A judicial foreclosure is a foreclosure ordered by the court in connection with a lawsuit brought by the Bank on the note. Court costs, attorneys’ fees, and the various expenditures necessitated by litigation will be involved in a judicial foreclosure proceeding. Foreclosure of a lien for a home equity loan or a reverse mortgage are special proceedings which are expedited judicial foreclosures. The focus of this Chapter is nonjudicial foreclosures. Judicial foreclosures require Bank counsel.