On October 1, 2013, Nevada’s Senate Bill 321, or what is commonly referred to as the Homeowner’s Bill of Rights (HBR), went into effect. The HBR applies only to owner-occupied homes, and adds the following steps to the foreclosure process: No less than 30 days after a homeowner defaults, but at least 30 days before a lender either (a) files a “notice of default and election … [Read more...] about Homeowner’s Bill of Rights