Gwinnett County foreclosure help: records, notices, and next steps

What should I do first with a foreclosure notice?

Use the foreclosure notice, your loan servicer, and the foreclosure attorney named in the notice to confirm the scheduled sale date. Ask for written figures that match the option you are considering, such as a reinstatement quote or payoff statement. County property records are useful for checking the parcel and recorded documents, but they do not replace confirmation from the parties handling the mortgage foreclosure.

The Georgia Attorney General explains that the state generally uses nonjudicial foreclosure, with written notice ordinarily sent at least 30 days before the proposed sale and publication in the county legal organ for four consecutive weeks. A pending assistance application should not be treated as proof that the sale has been postponed.

Where can I check Gwinnett County records and notices?

The Gwinnett County Clerk of Court's Deeds and Land Records office is located in the west wing of the Gwinnett Justice and Administration Center at 75 Langley Drive in Lawrenceville. Recorded deeds, liens, plats, and related land records are also available through the statewide clerk authority.

The Gwinnett Daily Post is the designated legal organ for Gwinnett County. Its legal section publishes foreclosure notices before first-Tuesday sales. Use an online result as a research aid, then verify the property, sale date, and party contact information against the notice sent to you.

Is this a mortgage foreclosure or a tax sale?

The Gwinnett County Tax Commissioner says its office does not host mortgage foreclosure sales. It administers delinquent-property-tax liens and tax sales. A mortgage foreclosure is handled by the lender or its representative under the security deed.

If your notice concerns delinquent property taxes, contact the Tax Commissioner. If it concerns the mortgage, contact the loan servicer and the foreclosure attorney named in the notice. The amount and steps needed to resolve one process do not resolve the other automatically.

What should I gather today?

Create one complete file for the property. This reduces repeated calls and helps advisers understand both the deadline and your preferred result.

• Every page of the notice and the envelope
• Latest mortgage statement and loan number
• Any modification, repayment, trial-plan, or forbearance correspondence
• Property-tax, insurance, HOA, bankruptcy, probate, or divorce documents that affect the home
• Income and hardship information requested by the servicer
• A written record of calls, reference numbers, deadlines, and promised follow-up
• Your preferred result: keep the home, sell it, or compare both paths

Where can I get free, independent help?

A HUD-approved housing counselor can help you evaluate mortgage-assistance options. Atlanta Legal Aid serves eligible homeowners in Gwinnett County. Seek prompt advice from a qualified Georgia attorney if the notice appears wrong or if you are considering bankruptcy or emergency court action.