Notice of Default Preparer
A clean default notice package, with cure amounts, ready for your attorney
Install it in one line — paste a single command into Claude, ChatGPT or Cursor and it writes the skill into your project.
Free, and about thirty seconds: a work email and a six-digit code.
Downloading shares your name, firm, role, and email with The Helvetica Group. That introduction is what keeps every skill here free.
What this skill does
Prepares the formal notice that a loan is in default, and the file your attorney needs to review it. Identifies each default, calculates the amount needed to cure it and the daily interest after that, reads the cure period from your loan documents, and drafts the notice with language that protects your rights. A draft for your attorney — never sent for you.
What it does
- Screens first for bankruptcy, consumer-purpose loans, forbearance agreements and payments accepted after default
- Classifies each default — missed payment, maturity, broken covenant such as lapsed insurance, or an unapproved sale — with the clause it breaches
- Calculates the cure amount line by line, with the source of every figure and the per diem after the cure date
- Drafts the notice, including starting language that reserves the lender's rights for counsel to finalize
- Assembles a checklist of everything counsel needs, with missing items listed first
When to use it
- A loan is past due and late notices have not worked
- A loan has matured and has not paid off
- The borrower let insurance lapse, stopped paying taxes, or sold the property without consent
- You are about to hand a file to foreclosure counsel
What to have ready
- The note, deed of trust or mortgage, and any guaranties
- The payment history from your servicer
- What went wrong and when you learned of it
- Any prior notices, extensions or forbearance agreements
How to use it
- Download it with the button above. You'll sign in with a work email — that's how the creator knows who is using their skill.
- Copy the install prompt from the "Run it in Claude" box, and paste it into Claude along with the file. Claude installs the skill, fills in your firm's details where the file has
[BRACKETED]placeholders, and runs a quick test with you. - Then just ask in plain English. Claude picks the skill up on its own when a request matches it. Anything it still needs, it asks you for — it won't invent a number.
"The loan on [PROPERTY ADDRESS] matured on [DATE] and the borrower hasn't paid off. Here are the note, deed of trust and payment history — prepare the default package for our attorney."
What you get back
A default package: the defaults identified, a sourced cure schedule, a draft notice, a delivery plan, a counsel checklist, and the open issues for your attorney.
Good to know
- Output quality tracks input quality. A missing figure is flagged as missing — it is never estimated to fill a gap.
- Every draft is a starting point for your own review, not a finished decision.
- Runs anywhere Claude does: the Claude app, Claude Desktop, or Claude Code.
- Never states a cure period or fee the documents don't contain, and never prepares anything for recording. Notice rules vary by state — your attorney decides the final form.
Legal disclaimer
This skill drafts; it does not decide. Its output is not legal, tax, accounting, appraisal, or investment advice, and using it creates no attorney-client, fiduciary, or advisory relationship. Nothing it produces is a commitment to lend or an offer to sell a security. Verify every number, date, citation, and conclusion against the source documents, and have a qualified professional licensed in the relevant jurisdiction review the work before you rely on it or send it to a borrower, investor, counterparty, or regulator. Laws, rates, and market data change. The final work product is yours.
Inside this skill
The actual file you get. Members can read it in full before saving it.
Notice of Default Preparer
The default notice is the first document in any enforcement file, and a sloppy one can cost months: a cure amount that overstates the debt, a notice sent to the wrong address under the loan's notice clause, a cure period shorter than the documents allow, or a missing guarantor. Any of those gives the borrower's attorney a reason to argue the default was never properly declared. This skill does the preparation work — facts, numbers, document references — so that counsel reviews a clean package instead of building one from a shoebox.
Works for business-purpose bridge, fix-and-flip, DSCR rental, construction, land and small-balance commercial loans, first or junior lien.
What this is not. In some power-of-sale states, a recorded statutory notice of default is the formal start of a trustee's sale and is prepared by the trustee or counsel in a form the statute dictates. This skill prepares the lender's default and demand notice under the loan documents, plus the handoff that lets counsel prepare any statutory filings. It never produces a document for recording.
Step 1 — Intake
| Input | Required? | Notes |
|---|---|---|
| Promissory note | ✅ | Rate, default rate, late charge, maturity, interest calculation basis (30/360, actual/360, actual/365), prepayment terms |
| Security instrument (deed of trust / mortgage) | ✅ | Events of default, cure periods, due-on-sale clause, insurance and tax covenants, notice clause if located here |
| Guaranty(ies) | ✅ if any | Guarantor names, notice requirements to guarantors, any waiver of notice |
| Loan agreement / construction or holdback agreement | If one exists | Often contains the events of default and cure periods instead of the note |
| Payment history | ✅ for monetary default | Servicer transaction history showing paid-to date, unpaid installments, late charges, advances |
| Facts of a non-monetary default | ✅ for those | What happened, when the lender learned of it, evidence (e.g. insurer cancellation notice, recorded deed, tax delinquency notice) |
| Prior notices and correspondence | ✅ | Late notices, emails, any forbearance or extension — decides whether a default was waived or a cure period already ran |
| Protective advances made | Helpful | Taxes, force-placed insurance, property preservation — with dates and receipts |
Reading the full skill counts as a download. The contributor receives your name, company, and email.
Ratings & reviews
No written reviews yet. If you run this on a live file, say how it went. The next lender reading this page is deciding whether to trust it.
Examination record
Run it in Claude
- Copy the install command above
- Paste it into Claude, ChatGPT or Cursor
- It writes the skill in, fills in your firm’s details, and test-runs it with you
Prefer the file? The prompt above is for a package you already downloaded.
Details
More from The Helvetica Group
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