When a borrower stops paying, our legal team is engaged immediately (we send demand after borrower falls 3 months behind). This isn’t about being aggressive—it’s about protecting our investors and keeping the process moving.

We get calls all the time from note holders sitting on delinquent loans, unsure what to do, and often months behind on action. Their biggest mistake? Waiting too long and hoping it fixes itself.

Here’s what we tell them:

A. This is a business, not a charity.

B. Your loan isn’t just paperwork—it’s secured by an asset.

C. Every month you delay, you lose leverage and money.

In most cases, we walk them through:

1. State-specific legal timelines

2. Engaging foreclosure counsel

3. Negotiation strategies that don’t waste time

The goal? Resolve it quickly—whether that’s reinstatement, a workout, or taking control of the property.

Remember: emotions don’t belong in default management. You’ve got to make decisions that protect your financial future.

I am curious if you view this as aggressive. How soon do you take action when a borrower misses a payment? 

Curious to hear how others handle this.