Property Ownership

In Oregon, what is a 'notice of default' in the context of a deed of trust foreclosure?

AA letter from the lender reminding the borrower of late payment
BA formal recorded document initiating the non-judicial foreclosure process under Oregon's deed of trust statutes✓ Correct
CA court notice informing the borrower of a foreclosure lawsuit
DA notification from OREA that the property has been flagged for investigation

Explanation

Oregon's non-judicial deed of trust foreclosure begins with the trustee recording a 'Notice of Default and Election to Sell' (or similar notice). This document is recorded in the county where the property is located and initiates the trustee's sale process. Oregon statute requires specific notice periods and procedures that must be followed for the foreclosure to be valid.

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