Judicial Foreclosures Foreclosures of real property can be by judicial foreclosure or non-judicial foreclosure. Michael T. Chulak & Associates represents clients who are required to foreclose on real estate and elect judicial foreclosure in order to collect money owing. We also represent clients in avoiding judicial foreclosure. The types of properties most likely to be foreclosed by means of judicial foreclosure are: Rental homes Income properties Land In addition, homes subject to homeowner association liens can, and are generally foreclosed by judicial foreclosure when assessments or dues are not paid. Judicial foreclosures are started by the filing of a lawsuit seeking an order for sale and money judgment. The judgment can be collected by the sale of the property, wage garnishment, bank account levy, rent levy or other methods. Judicial foreclosures maximize the opportunity to collect from all available sources of the debtor. Lawsuits for judicial foreclosures rarely go to trial. Most of these lawsuits result in payment before the need to actually foreclose on the property. Initial consultations are available at no cost. Contact us for more information about judicial foreclosures, collections, or any other legal matter.