My whole situation has now changed. I am the co-borrower and my mother is the borrower. We both just received notice from the bank's attorney regarding collecting a debt pass due as of March 2011. My mother hasn't been paying the mortgage because I have became unemployed since 11/2010. This is where all the bills have accumulated and got to the point where we couldn't afford it anymore. We were informed that foreclosure has taken effective as of 1/30/12. We did make an effort in 2/11 to put the house on short-sale to avoid foreclosure but unfortunately we have 2 mortgages on the house. The first mortgage was willing to forgive the loan but the second mortgage would not cooperate with the understanding that they just want their money & don't care about the house. So it prolonged the time period until it got to the point where we were most likely to face foreclosure. I was just wondering, what is the average time frame of families living in the home before they are evicted or given certain amount of days to prepare to move?