{"id":7812,"date":"2025-05-05T17:32:50","date_gmt":"2025-05-05T21:32:50","guid":{"rendered":"https:\/\/financierevictoria.ctx-dev.fr\/?p=7812"},"modified":"2025-05-05T17:40:52","modified_gmt":"2025-05-05T21:40:52","slug":"60-day-notice-in-real-estate-what-should-you-do","status":"publish","type":"post","link":"https:\/\/financierevictoria.ctx-dev.fr\/en\/60-day-notice-in-real-estate-what-should-you-do\/","title":{"rendered":"60 day notice in real estate: What should you do?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"7812\" class=\"elementor elementor-7812 elementor-4174\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-133511a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"133511a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;cc95e7d&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4f59d49b\" data-id=\"4f59d49b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bbad9b5 elementor-widget elementor-widget-heading\" data-id=\"bbad9b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">60 day notice in real estate: What should you do?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59ecb92b elementor-widget elementor-widget-text-editor\" data-id=\"59ecb92b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Receiving a 60 day notice from your financial institution can be unsettling, raising serious concerns about the future of your property. However, contrary to popular belief, this notice does <\/span><b>not<\/b><span style=\"font-weight: 400;\"> mean you\u2019ll be evicted immediately. It\u2019s essential to understand the actual timelines and the legal options available to respond appropriately and protect your interests.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article, <\/span><b>Victoria Financial<\/b><span style=\"font-weight: 400;\">, a <\/span><a href=\"https:\/\/financierevictoria.com\/en\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">private lender<\/span><\/a><span style=\"font-weight: 400;\"> based in Montreal, explains what a <\/span><b>60 day notice means in Quebec<\/b><span style=\"font-weight: 400;\"> and offers practical advice to help you navigate this critical period with clarity and confidence.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2><b>What is a 60 day notice?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A <\/span><b>60 day notice<\/b><span style=\"font-weight: 400;\">, also known as a <\/span><b>notice of exercise of a mortgage right<\/b><span style=\"font-weight: 400;\">, is a formal notification sent by a mortgage lender to a borrower who has defaulted on payments or failed to meet the terms of their mortgage agreement.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This notice informs the borrower that they have <\/span><b>60 days to correct the default<\/b><span style=\"font-weight: 400;\">. If no action is taken within that period, the lender may begin legal proceedings to recover the debt, this may include <\/span><b>foreclosure and the sale of the property<\/b><span style=\"font-weight: 400;\"> in question.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3><b>How to find 60 day notices and what they include<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">In <\/span><b>Quebec<\/b><span style=\"font-weight: 400;\">, 60 day notices are <\/span><b>public documents<\/b><span style=\"font-weight: 400;\"> that can be accessed online through the <\/span><a href=\"https:\/\/www.registrefoncier.gouv.qc.ca\/Sirf\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Quebec Land Register<\/span><\/a><span style=\"font-weight: 400;\">. This free government platform allows you to view the legal history of a property, including <\/span><b>notices of exercise<\/b><span style=\"font-weight: 400;\">, <\/span><b>deeds of sale<\/b><span style=\"font-weight: 400;\">, <\/span><b>mortgages<\/b><span style=\"font-weight: 400;\">, <\/span><b>seizures<\/b><span style=\"font-weight: 400;\">, and <\/span><b>inheritances<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All you need is the <\/span><b>address of the property<\/b><span style=\"font-weight: 400;\"> or its <\/span><b>lot number<\/b><span style=\"font-weight: 400;\"> to access the information. Whether you&#8217;re a homeowner, <\/span><a href=\"https:\/\/financierevictoria.com\/en\/loans-for-real-estate-investors\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">real estate investor<\/span><\/a><span style=\"font-weight: 400;\">, or simply curious, the process is simple, fast, and transparent.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In accordance with <\/span><a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/en\/document\/cs\/CCQ-1991\/19990917#se:2758\"><b>Article 2758 of the Civil Code of Quebec<\/b><\/a><span style=\"font-weight: 400;\">, a <\/span><b>notice of exercise<\/b><span style=\"font-weight: 400;\"> must include the following information:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Statement of default<\/b><span style=\"font-weight: 400;\">: A detailed description of the borrower\u2019s breach (e.g. missed mortgage payments).<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Amount owed<\/b><span style=\"font-weight: 400;\">: The full balance due, including principal and interest.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Type of remedy being exercised<\/b><span style=\"font-weight: 400;\">: Whether the lender is pursuing <\/span><b>repossession<\/b><span style=\"font-weight: 400;\"> or <\/span><b>judicial sale<\/b><span style=\"font-weight: 400;\">.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Description of the mortgaged property<\/b><span style=\"font-weight: 400;\">: Key details about the asset concerned.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Demand to vacate<\/b><span style=\"font-weight: 400;\">: A formal request for the borrower to vacate the property before the 60-day deadline.<\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h3><b>What can lead to a 60 day notice?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A <\/span><b>60 day notice<\/b><span style=\"font-weight: 400;\"> is typically issued when a borrower fails to meet their <\/span><b>mortgage obligations<\/b><span style=\"font-weight: 400;\">. These situations often stem from temporary or prolonged financial difficulties. Here are the most common causes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Late mortgage payments<\/b><span style=\"font-weight: 400;\">: Job loss, separation or <\/span><a href=\"https:\/\/financierevictoria.com\/en\/dealing-with-house-mortgage-divorce\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">divorce<\/span><\/a><span style=\"font-weight: 400;\">, illness, or poor financial management can make it difficult to keep up with monthly payments.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/financierevictoria.com\/en\/unpaid-municipal-taxes\/\" target=\"_blank\" rel=\"noopener\"><b>Unpaid municipal or school taxes<\/b><\/a><span style=\"font-weight: 400;\">: Failing to pay these taxes is considered a default.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lack of insurance on the property<\/b><span style=\"font-weight: 400;\">: Not renewing or paying for home insurance required by the lender can trigger a notice.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Improper use of the property<\/b><span style=\"font-weight: 400;\">: Converting a residential property into a <\/span><a href=\"https:\/\/financierevictoria.com\/en\/how-to-get-a-mortgage-for-your-commercial-building\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">commercial building<\/span><\/a><span style=\"font-weight: 400;\"> or subletting without permission may violate loan conditions.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Unpaid condo fees<\/b><span style=\"font-weight: 400;\">: In the case of a condominium, missing common expense payments can lead to similar legal action.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li>\n<\/ul>\n<p><b>Advice<\/b><span style=\"font-weight: 400;\">: If you&#8217;re experiencing financial hardship, reach out to your lender or a qualified advisor as soon as possible. Acting early often makes it easier to find a solution \u2014 before things escalate.<\/span><\/p>\n<p><b>Need support?<\/b><span style=\"font-weight: 400;\"> Consider working with a <\/span><b>private lender<\/b><span style=\"font-weight: 400;\"> to explore your options.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82610dc elementor-align-center elementor-widget elementor-widget-button\" data-id=\"82610dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/financierevictoria.com\/demande-en-ligne\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Faire appel \u00e0 un pr\u00eateur priv\u00e9<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdfc1d5 elementor-widget elementor-widget-spacer\" data-id=\"bdfc1d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-67aa5b7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67aa5b7\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;18fbb45&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a8aaa0\" data-id=\"7a8aaa0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2d7445a elementor-widget elementor-widget-text-editor\" data-id=\"2d7445a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><b>Comment se calcule le d\u00e9lai l\u00e9gal d\u2019un avis de 60 jours au Qu\u00e9bec ?<\/b><\/h2><p><span style=\"font-weight: 400;\">Lorsqu\u2019un d\u00e9biteur ne respecte pas ses obligations contractuelles (retards de paiements hypoth\u00e9caires, taxes impay\u00e9es, etc.), le cr\u00e9ancier peut d\u00e9clencher une proc\u00e9dure de recours hypoth\u00e9caire. Cette d\u00e9marche commence par la signification d\u2019un <\/span><b>pr\u00e9avis d\u2019exercice d\u2019un droit hypoth\u00e9caire<\/b><span style=\"font-weight: 400;\">, aussi appel\u00e9 <\/span><b>avis de 60 jours<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><h3>\u00a0<\/h3><h3><b>Point de d\u00e9part du calcul du d\u00e9lai<\/b><\/h3><p><span style=\"font-weight: 400;\">Le <\/span><b>d\u00e9lai de 60 jours<\/b> <b>ne commence pas<\/b><span style=\"font-weight: 400;\"> \u00e0 la date de r\u00e9ception du document par le d\u00e9biteur, mais <\/span><b>\u00e0 la date de sa publication au Registre foncier du Qu\u00e9bec<\/b><span style=\"font-weight: 400;\">. Cette publication survient habituellement <\/span><b>2 \u00e0 3 jours apr\u00e8s la signification officielle<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><b>Important<\/b><span style=\"font-weight: 400;\"> : La <\/span><b>date inscrite sur l\u2019avis n\u2019a aucune valeur l\u00e9gale en mati\u00e8re de calcul.<\/b><span style=\"font-weight: 400;\"> Seule la date d\u2019inscription au Registre foncier d\u00e9clenche le d\u00e9but du compte \u00e0 rebours.<\/span><\/p><p>\u00a0<\/p><h3><b>Et apr\u00e8s les 60 jours ?<\/b><\/h3><p><span style=\"font-weight: 400;\">Si le d\u00e9biteur ne corrige pas les d\u00e9fauts (paiements, assurances, taxes\u2026) dans le d\u00e9lai imparti, le cr\u00e9ancier peut entamer les d\u00e9marches judiciaires suivantes :<\/span><\/p><h4><b>1. D\u00e9p\u00f4t d\u2019une demande introductive d\u2019instance en d\u00e9laissement forc\u00e9 :\u00a0<\/b><\/h4><p><span style=\"font-weight: 400;\">Ce document vise \u00e0 obtenir du tribunal une autorisation pour <\/span><b>forcer le d\u00e9biteur \u00e0 c\u00e9der la propri\u00e9t\u00e9.<\/b><b><br \/><\/b><span style=\"font-weight: 400;\">Il peut \u00eatre <\/span><b>pr\u00e9sentable d\u00e8s 30 jours apr\u00e8s la fin du d\u00e9lai de 60 jours<\/b><span style=\"font-weight: 400;\">, ce qui nous am\u00e8ne \u00e0 <\/span><b>environ 3 mois<\/b><span style=\"font-weight: 400;\"> apr\u00e8s le d\u00e9but de la proc\u00e9dure.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p><h4><b>2. D\u00e9lai d\u2019obtention du jugement (en faveur du cr\u00e9ancier hypoth\u00e9caire) :\u00a0<\/b><\/h4><p><span style=\"font-weight: 400;\">Dans le domaine hypoth\u00e9caire, il est tr\u00e8s rare de voir les tribunaux \u00e9mettre des jugements \u201csur le banc\u201d. Cette expression signifie un jugement rendu sans d\u00e9lib\u00e9r\u00e9 le jour de la requ\u00eate. Le<\/span><b> d\u00e9lai de d\u00e9livrance d\u2019un jugement <\/b><span style=\"font-weight: 400;\">varie d\u2019un palais de justice \u00e0 l\u2019autre. Cela varie d&#8217;environ 1 mois \u00e0 6 mois tout d\u00e9pendant de la rapidit\u00e9 du palais de justice ou la demande introductive d\u2019instance est pr\u00e9sent\u00e9e.<\/span><\/p><p><span style=\"font-weight: 400;\">R\u00e9sultat : <\/span><b>L\u2019obtention d\u2019un jugement peut donc prendre de 4 \u00e0 9 mois, selon la rapidit\u00e9 avec laquelle le palais de justice rend sa d\u00e9cision<\/b><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/p><h3><b>Jusqu\u2019\u00e0 quand peut-on agir apr\u00e8s la r\u00e9ception de l\u2019avis de 60 jours ?<\/b><\/h3><p><span style=\"font-weight: 400;\">Le d\u00e9biteur a <\/span><b>jusqu\u2019\u00e0 l\u2019\u00e9mission du jugement final<\/b><span style=\"font-weight: 400;\"> pour :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Corriger les d\u00e9fauts signal\u00e9s dans l\u2019avis<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ren\u00e9gocier avec le pr\u00eateur<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Obtenir un pr\u00eat hypoth\u00e9caire priv\u00e9 pour rembourser les sommes dues<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ou encore vendre la propri\u00e9t\u00e9 pour \u00e9viter la saisie<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Ainsi,<\/span> <span style=\"font-weight: 400;\">contrairement \u00e0 ce que plusieurs croient, l\u2019<\/span><b>avis de 60 jours ne signifie pas une \u00e9viction imm\u00e9diate<\/b><span style=\"font-weight: 400;\">. Il s\u2019agit plut\u00f4t du d\u00e9but d\u2019un processus encadr\u00e9 par des d\u00e9lais pr\u00e9cis qui peuvent, dans bien des cas, s\u2019\u00e9tendre sur plusieurs mois.<\/span><\/p><p>\u00a0<\/p><h2><b>Les options disponibles pour le d\u00e9biteur<\/b><\/h2><p><span style=\"font-weight: 400;\">Recevoir un <\/span><b>avis de 60 jours<\/b><span style=\"font-weight: 400;\"> peut \u00eatre une exp\u00e9rience stressante pour tout propri\u00e9taire. Toutefois, plusieurs avenues s&#8217;offrent \u00e0 vous pour rem\u00e9dier \u00e0 la situation et prot\u00e9ger votre propri\u00e9t\u00e9.\u200b<\/span><\/p><h3><b>1. Consultation juridique<\/b><\/h3><p><span style=\"font-weight: 400;\">Il est essentiel de consulter un <\/span><b>avocat sp\u00e9cialis\u00e9 en droit immobilier <\/b><span style=\"font-weight: 400;\">d\u00e8s la r\u00e9ception de l&#8217;avis. Ce professionnel pourra :\u200b<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u00c9valuer la validit\u00e9 de l&#8217;avis<\/b><span style=\"font-weight: 400;\"> : V\u00e9rifier si toutes les proc\u00e9dures l\u00e9gales ont \u00e9t\u00e9 respect\u00e9es et si l&#8217;avis est conforme aux dispositions du <\/span><a href=\"https:\/\/www.legisquebec.gouv.qc.ca\/fr\/document\/lc\/ccq-1991\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Code civil du Qu\u00e9bec<\/span><\/a><span style=\"font-weight: 400;\">.\u200b<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Expliquer vos droits et obligations<\/b><span style=\"font-weight: 400;\"> : Vous informer sur les recours possibles et les cons\u00e9quences potentielles de chaque action.\u200b<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>N\u00e9gocier avec le cr\u00e9ancier<\/b><span style=\"font-weight: 400;\"> : Initier des discussions pour trouver une entente amiable, telle qu&#8217;un r\u00e9\u00e9chelonnement de la dette ou une modification des termes du pr\u00eat.\u200b<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Une telle consultation vous permettra de mieux comprendre votre situation et de prendre des d\u00e9cisions \u00e9clair\u00e9es.\u200b<\/span><\/p><h3><b>2. Des solutions financi\u00e8res alternatives<\/b><\/h3><p><span style=\"font-weight: 400;\">Si vous avez re\u00e7u un avis de 60 jours et que vous ne pouvez pas r\u00e9gulariser imm\u00e9diatement la situation, plusieurs solutions financi\u00e8res peuvent vous permettre de conserver votre propri\u00e9t\u00e9 ou de limiter les impacts sur votre cr\u00e9dit :<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/financierevictoria.com\/prets-pour-acquisition-ou-refinancement\/\" target=\"_blank\" rel=\"noopener\"><b>Refinancement hypoth\u00e9caire priv\u00e9<\/b><\/a><span style=\"font-weight: 400;\"> : <\/span><a href=\"https:\/\/financierevictoria.com\/contact\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Faire appel \u00e0 un pr\u00eateur priv\u00e9 <\/span><\/a><span style=\"font-weight: 400;\">peut vous permettre d\u2019obtenir rapidement les liquidit\u00e9s n\u00e9cessaires pour rembourser les sommes dues. Les conditions sont souvent plus souples que dans les institutions traditionnelles, mais les taux d\u2019int\u00e9r\u00eat peuvent \u00eatre plus \u00e9lev\u00e9s.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pr\u00eat bas\u00e9 sur l\u2019\u00e9quit\u00e9 de votre propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\"> : Si vous poss\u00e9dez une bonne valeur nette, vous pourriez obtenir un pr\u00eat garanti par votre maison pour \u00e9viter la saisie et r\u00e9gulariser vos paiements en retard.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/financierevictoria.com\/pret-pour-consolidation-de-dettes\/\" target=\"_blank\" rel=\"noopener\"><b>Consolidation de dettes<\/b><\/a><span style=\"font-weight: 400;\"> : R\u00e9unir toutes vos dettes (<\/span><a href=\"https:\/\/financierevictoria.com\/deuxieme_hypotheque_consolidation_dette_carte_credit\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">carte de cr\u00e9dit<\/span><\/a><span style=\"font-weight: 400;\">, marge de cr\u00e9dit, etc.) dans un seul pr\u00eat peut all\u00e9ger votre charge financi\u00e8re mensuelle. Il est essentiel d\u2019\u00e9valuer cette option avec un conseiller pour s\u2019assurer qu\u2019elle est viable \u00e0 long terme.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Vente de la propri\u00e9t\u00e9<\/b><span style=\"font-weight: 400;\"> : Si aucune autre option n\u2019est envisageable, vendre votre maison rapidement peut vous \u00e9viter une proc\u00e9dure judiciaire, prot\u00e9ger votre dossier de cr\u00e9dit et potentiellement d\u00e9gager un certain capital.<\/span><\/li><\/ul><p><b>Conseil : <\/b><span style=\"font-weight: 400;\">Combiner une assistance juridique comp\u00e9tente avec des solutions financi\u00e8res bien choisies est souvent la cl\u00e9 pour traverser cette p\u00e9riode difficile avec le moins de pertes possible. Plus vous agissez t\u00f4t, plus vos marges de man\u0153uvre seront grandes.<\/span><\/p><h2><b>Un avis de 60 jours n\u2019est pas une fatalit\u00e9, mais le temps joue contre vous !<\/b><\/h2><p><span style=\"font-weight: 400;\">Recevoir un avis de 60 jours immobilier peut sembler alarmant, mais ce n\u2019est pas une condamnation imm\u00e9diate. Il s\u2019agit plut\u00f4t d\u2019un <\/span><b>signal d\u2019alarme l\u00e9gal<\/b><span style=\"font-weight: 400;\"> qui ouvre une fen\u00eatre d\u2019action bien plus large que plusieurs ne le croient.<\/span><b> Tant que le jugement n\u2019est pas rendu, vous avez encore des recours pour \u00e9viter la saisie de votre propri\u00e9t\u00e9.<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vous pouvez corriger vos d\u00e9fauts de paiement<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ren\u00e9gocier avec votre pr\u00eateur<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Obtenir un pr\u00eat hypoth\u00e9caire priv\u00e9 adapt\u00e9 \u00e0 votre situation<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ou m\u00eame vendre votre bien dans de bonnes conditions<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Mais chaque jour compte. La cl\u00e9, c\u2019est d\u2019agir rapidement, avec les bons partenaires.<\/span><\/p><p><span style=\"font-weight: 400;\">Chez Financi\u00e8re Victoria, nous accompagnons chaque ann\u00e9e des dizaines de propri\u00e9taires \u00e0 travers ce processus, en leur offrant des solutions concr\u00e8tes et humaines. Si vous avez re\u00e7u un avis de 60 jours ou si vous cherchez un <\/span><b>financement rapide et flexible<\/b><span style=\"font-weight: 400;\">, nous sommes l\u00e0 pour vous guider.<\/span><\/p><p><b>Contactez-nous aujourd\u2019hui au<\/b> <a href=\"tel:18772207738\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">+1(877) 220-7738<\/span><\/a><span style=\"font-weight: 400;\"> ou d\u00e9posez une demande de pr\u00eat hypoth\u00e9caire priv\u00e9 en ligne d\u00e8s maintenant.<\/span><\/p><p><b>N\u2019attendez pas que la proc\u00e9dure judiciaire s\u2019enclenche : d\u00e8s aujourd\u2019hui, reprenez le contr\u00f4le de votre avenir financier.<\/b><\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe45a90 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"fe45a90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"https:\/\/financierevictoria.com\/demande-en-ligne\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Faire une demande de pr\u00eat hypoth\u00e9caire priv\u00e9<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>60 day notice in real estate: What should you do? Receiving a 60 day notice from your financial institution can be unsettling, raising serious concerns about the future of your property. However, contrary to popular belief, this notice does not mean you\u2019ll be evicted immediately. It\u2019s essential to understand the actual timelines and the legal [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7810,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-7812","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is a 60 Day Notice and How to Respond ? | Victoria Financial<\/title>\n<meta name=\"description\" content=\"Got a 60 day mortgage notice? 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