The process of a sheriff sale in Garfield begins with the lender filing a complaint in court and obtaining a judgment of foreclosure against the borrower. Once the judgment is granted, the lender will set a date for the sheriff sale and provide notice of the sale to the borrower, as well as any other interested parties. This notice will typically include the date, time, and location of the sale, as well as information about the property being sold, such as its address, legal description, and any liens or judgments that may be outstanding against it. Sheriff sales in Garfield are open to the public and are typically held on the first Monday of each month at the county courthouse. On the day of the sale, bidders will gather at the courthouse and the sheriff will begin the auction. The starting bid will typically be the outstanding balance on the mortgage, and bidders will then make incremental increases in the bid until a final bid is accepted. The highest bidder will then be required to pay the full amount of their bid in cash or with a cashier’s check on the day of the sale.