What is an order to show cause?

An order to show cause is a judicial command that obligates a homeowner to appear in court and present evidence or arguments for why a foreclosure judgment should not be entered against them. The court issues this order when a lender files for foreclosure, giving the defendant (homeowner) a formal opportunity to be heard before the judge makes a final decision on the case.

In Polk County foreclosure proceedings, an order to show cause typically sets a specific hearing date and requires the homeowner to submit a written response or affidavit explaining their position. Common defenses presented at these hearings include loan servicing errors, improper notice, payment disputes, or violations of the Truth in Lending Act. The homeowner must appear personally or through legal counsel, or risk a default judgment in favor of the lender.

Why it matters: this order ensures due process by preventing a lender from obtaining a foreclosure judgment without giving the homeowner a chance to contest it. Missing the hearing date or failing to provide valid reasons often results in an uncontested judgment, which accelerates the foreclosure timeline and limits future appeal options. Many homeowners benefit from working with a foreclosure defense attorney to prepare their response and arguments before the hearing.