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The bank's polite way of taking back the house you forgot to keep paying for.

means The legal process where a lender repossesses and sells a property after the borrower stops making mortgage payments.

from From Old French forclore, to shut out or excludeliterally barring the borrower from their own door.

Two flavorsJudicial needs a court; nonjudicial skips one.
Grace built inMost loans allow missed payments before action starts.
2008 boomMillions of filings reshaped the U.S. housing market.
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