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The recent economic downturn has left millions of Americans facing foreclosure. Facing foreclosure can be a difficult and overwhelming process, but there are steps you can take to protect yourself and your family. Here is a guide to understanding foreclosure in the United States and how to navigate the financial crisis. What Is Foreclosure? Foreclosure is the legal process by which a lender takes possession of a property that the borrower has defaulted on loan payments. The foreclosure process begins when the lender sends a notice of default to the borrower, giving them 90 days to make up the missed payments. If the borrower fails to make payment during this period, the lender can start the foreclosure process. Depending on the state, this process can take several months to complete.…

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