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" ... If all else fails and you're unable to fend off foreclosure proceedings, all is not lost. Though some states allow foreclosures to begin before anything is filed in court — "nonjudicial foreclosure" states — all states allow a challenge to a foreclosure proceeding to be brought in court. In a judicial foreclosure state, you'll get that chance upfront, when the lender files for foreclosure; in a nonjudicial foreclosure state, you (with your lawyer) will initiate the proceeding. ... "
" ... Under “nonjudicial” or “administrative” civil forfeiture, not only can the federal government confiscate property without filing criminal charges, owners can permanently lose their property without a judge ever hearing their case. Instead of impartial judicial review, the fate of a seized property is decided by the seizing agency itself. Worse, agencies have a direct financial incentive to forfeit property: Under federal law, they can keep up to 100% of the forfeiture proceeds. ... "