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Like other's have said, there has to be something your friends aren't telling you. If you miss payment, first it will go into default, which usually is around three months before they will get a Notice of Sale.
Most counties have an official .org site where you can search the county clerk office records online. This info is all public information and you can usually find it with a simple name or address. It will truly show the stages and dates of the default/forclosure process they're in.
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