If you’re behind on your mortgage or HOA dues in Sacramento County, the first thing to do is open the mail. I know that sounds simple, but the notices pile up and it’s tempting to look away. Don’t. Open each one, note who sent it and what it says, and keep everything in one folder. Then call the number on the notice and ask what options exist. You don’t have to have a plan yet to make that call.

For a mortgage, expect a series of letters before anything serious happens. Early on you’ll likely get a reminder or a late notice. If the delinquency continues, you may receive a notice of default, which is a formal step in the foreclosure process in California. The exact timing and what each notice means depend on your loan and your situation, so read carefully and don’t assume. If you’re not sure what a document is asking of you, that’s a good moment to talk to a HUD-approved housing counselor. They’re free or low cost, and they can help you understand your options.

For HOA dues, the path looks different. HOAs typically send reminders and then a demand letter, and they may pursue collection or a lien depending on the governing documents and the situation. HOA rules vary from association to association, so what applies to your neighbor may not apply to you. If you get a demand letter or anything mentioning a lien, that’s worth a conversation with a lawyer who handles HOA matters.

Acting early matters because options shrink over time. Lenders and HOAs usually have more flexibility before things escalate. If you call while a problem is still fresh, you can ask about payment plans, hardship programs, or other arrangements. Once a formal notice is filed, the conversation changes. That doesn’t mean it’s too late, but the sooner you engage, the more room you have.

Be practical about money too. Write down what you owe, what you can pay, and when. A CPA can help you understand tax consequences of different choices, and a lawyer can explain your rights. The county may also have resources worth asking about. Don’t pay anyone who promises to fix this for a fee upfront. Talk to the free resources first.

Keep records of every call, letter, and payment. Send things in writing when you can. If you’re overwhelmed, pick one task today: open the mail, make one call, or gather your documents. That’s enough to start.

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