Many banks in Massachusetts continue to violate basic legal requirements during foreclosures, charge attorneys representing homeowners. A state law enacted in 2007 and amended in 2010 gives homeowners 150 days to catch get current on missed mortgage payments before a foreclosure starts. Banks and mortgage companies must send "right-to-cure" notices to delinquent borrowers that provide basic information about the foreclosure process, including whom to contact. Attorney Eloise Lawrence says she has helped dozens of homeowners overturn foreclosures based on problems with these right-to-cure notices. In Massachusetts, foreclosures do not go before a judge for final review. "The bank can take your house without ever going to court, and so properly notifying homeowners of their rights is a critical safeguard against wrongful foreclosures," according to Lawrence.