Falling behind on your mortgage can force you to learn many legal concepts and words that you probably don't come across unless you're a lawyer, such as judicial or clerk's default.
What is a judicial or clerk's default?
A judicial or clerk's default is "a binding judgment in favor of either party based on some failure to take action by the other party. Most often, it is a judgment in favor of a plaintiff when the defendant has not responded to a summons or has failed to appear before a court of law.”
A judicial default is issued by a judge, and a clerk's default is issued by a clerk of the court. How does that come into play in foreclosure? It has to do with the lawsuit that follows as a result of defaulting on payments.