In Georgia, the foreclosure process is fairly quick, taking only a few months. Foreclosures in Georgia are usually nonjudicial, meanging they don't go through the court system. However, the lender is still required to provide you with certain foreclosure notices and follow set foreclosure procedures. If, after the foreclosure sale, you still owe the lender part of the mortgage (this happens if the sale proceeds don't cover your mortgage balance), the lender can try to collect the amount from you (called a deficiency). But first it must go through a court hearing.

In the articles below, you can learn about the steps in a Georgia foreclosure, when the lender can collect a deficiency from you, and whether you can get government help if you are struggling to make your mortgage payments.