Which document must a plaintiff file to begin the foreclosure process?

To initiate the foreclosure process, a plaintiff is required to file a foreclosure complaint. This legal document outlines the plaintiff's claims against the borrower, identifies the property in question, and details the grounds for seeking foreclosure, typically due to non-payment of the mortgage. Filing the complaint is a necessary step as it formally commences the legal proceedings, allowing the court to address the foreclosure and enabling the lender to seek recovery of the debt secured by the property.

Other options are not appropriate for starting a foreclosure. A tax appeal form pertains to disputes over property tax assessments, not mortgage defaults. A redemption notice is relevant after the foreclosure process has been initiated; it is a document that informs the borrower about their rights to redeem the property. An ownership declaration serves to affirm property ownership but does not initiate foreclosure proceedings. Thus, the foreclosure complaint is essential and serves as the correct document to start the process.