Yep, I can demonstrate hardship that unequivocally affected my ability to earn income. Oregon practices both judicial and non-judicial foreclosures. The non - judicial foreclosure is applied when a power of sale is present in the mortgage. In contract, the judicial process, which requires a court order to execute ~ is applied when the power of sale is NOT present. The state institutes a 'redemption period' which allows you to reclaim your property once it's sold. https://www.youtube.com/watch?v=vjlzZDTbZyY