Judicial foreclosure action is a proceeding in which a mortgagee, a trustee or another lienholder on property requests a court-supervised sale of the property to cover the unpaid balance of a delinquent debt. Nonjudicial foreclosure is the process of selling real property under a power of sale in a mortgage or deed of trust that is in default. In such a foreclosure, however, the lender is unable to obtain a deficiency judgment, which makes some title insurance companies reluctant to issue a policy.
The naturally porous surface of stone needs to be regularly sealed to repel water-and oil-based stains. Soapstone is soft and most prone to chipping. Professionals can often polish small scratches and chips from your countertop. Cleaning and polishing can also restore the shine back to stone which has become dull and hazy. If a solid stone surface cracks, the entire countertop will need to be replaced.