# 760 Foreclosure Help: Scott K. Miller, REALTOR®

> Free, private short sale and foreclosure help for homeowners in Ridgecrest, California, and the surrounding Inyo County and Eastern Kern County area, from California City to Bishop and Tehachapi. Run by Scott K. Miller, a Ridgecrest-based REALTOR® with Epique Realty (CA DRE #02152150; broker Epique Realty, CA DRE #02215280).

## Who to contact
- Scott K. Miller, REALTOR®, Epique Realty
- Phone or text: (760) 264-3501
- Email: scottmiller@epique.me
- Website: https://760foreclosurehelp.com/
- Based in Ridgecrest, CA 93555
- Slogan: "Solutions that move you."

## Who this helps
Homeowners who are behind on mortgage payments, have received a Notice of Default or a Notice of Trustee's Sale, owe more than the home is worth, or are selling during a divorce.

## Service area
Kern County: Ridgecrest, China Lake Acres, Inyokern, Randsburg, Johannesburg, California City, Mojave, Boron, Rosamond, Tehachapi, Lake Isabella.
Inyo County: Bishop, Big Pine, Independence, Lone Pine, Olancha.

## Key facts
- The first conversation is free and private. California law bars upfront fees for foreclosure help, and Scott does not charge any.
- In most approved short sales, the lender pays the agent's commission from the sale proceeds.
- Kern County foreclosure auctions (including Ridgecrest homes) are typically held at the front of Bakersfield City Hall, 1501 Truxtun Ave, around 10 AM. Inyo County homes are auctioned in Inyo County (Cal. Civ. Code 2924g).
- California requires at least three months between a recorded Notice of Default and the Notice of Trustee's Sale, plus at least 20 days' notice before the auction (Cal. Civ. Code 2924, 2924f).
- On most 1–4 unit homes, CCP 580e bars the lender from collecting the remaining balance after an approved short sale.
- In a divorce, both owners must cooperate and sign. Without both, a short sale cannot move forward.
- Options Scott reviews: catching up (reinstatement), new loan terms (modification), regular sale, short sale, deed in lieu, or talking to an attorney. When a client needs a lender, contractor, inspector, attorney or tax professional, Scott gives them several names to choose from.

## About Scott
Lives in Ridgecrest. Before real estate, managed retail stores in the wireless industry, worked as a food vendor, and worked in radio, including in Ridgecrest. Co-hosts the podcast "Real Estate with Rachel & Mr. Miller." Other sites: https://homeswithscottkmiller.com (buying and selling).

## Not legal advice
This site is general information, not legal, tax or financial advice. Short sale approval and auction delays are not guaranteed.