In most States in this country, there are two ways a lending institution holding a mortgage that secures a loan for real property can foreclose if payments are not being made under the terms of the loan.The first is a non-judicial foreclosure where by a State's statute, a lender whose loan is secured by a mortgage on real property can start and conclude a foreclosure without the nedd to fille a lawsuit and have court intervention. The laws of each State vary on how a non-judicial foreclosure occurs assuming a given State has this procedure.The other way a foreclosure can occur in many States is by way of a judicial foreclosure where a lawsuit is filed in a county court of a given State against the property owner and the property owner is served with the summons and complaint, typically personally.You should confirm in writing what you owe the lending institution and try to get current on the property's loan as well as confirm that once the payment is made, any notice of default as to your proeprty is removed by the lender.