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The foreclosure process for creditors begins with either power of sale foreclosure or judicial foreclosure. In a power of sale foreclosure, the title of the property is conveyed to the new owner through a trustee's deed. Judicial foreclosure is initiated by filing a lawsuit alleging default in a debt properly secured by the mortgage and the right to foreclose and asking the court to issue an order that the property be sold to pay the indebtedness secured. I think property should be easy to foreclose after default because there is already a history of missed payments.