Hawaii Foreclosure is Judicial.
Filing a complaint
The Hawaii foreclosure process begins with a demand letter. If default is not cured, a complaint is filed along with a notice of pendency of action. The mortgagor has 21 days to respond to the complaint or its automatic foreclosure.
Notice of Sale
According to Hawaii foreclosure law, the notice of intent to foreclose must be published once a week for 3 consecutive weeks, the last publication cannot be less than 14 days before the day of sale, in a newspaper having a general circulation in the county in which the property is located. Notice must be posted on the premises not less than 21 days before the day of sale.
Notice must state: The date, time, and place of the public sale, the description of the property, including the address, the name of the mortgagor and the borrower, the name of the lender, the amount owed on the property, the name of the trustee conducting the public sale, and the terms and conditions of the public sale.
Loan time to cure a Hawaii foreclosure
Up until 3 days before the sale, the borrower may cure the loan and stop the sale by paying the debt, costs, and fees, incurred through the foreclosure process.
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