Here’s another reason for slowed trustee sale:
Foreclosure prevention/delay fraud by debtors.
The scam I’ve discovered is quitclaim a share of ownership to another party, real or fictitious, and then have that other party file for Chapter 13 Bankruptcy. That triggers an immediate and automatic stay on creditors’ collection or foreclosure actions, and it lasts until the bankruptcy case is concluded or until the creditor wins relief from the stay.
Looking at listings going to auction, a non-trivial minority of them have funky transfers of ownership during the default period or after the NTS is recorded. Some of these might be scams run against the owners, which get the most media play, but I think many are scams run by the owner. I’ve identified two such cases in the past day.
The scam is criminal, a violation of federal bankruptcy law, involves perjury on the bankruptcy forms, can rise to the level of a conspiracy (in the sense of criminal law) if two or more parties are involved, and usually involved title fraud. It can spill into mortgage fraud, wire fraud, and mail fraud, too.
But it works, at least for a couple of months and for as much as a year in one of the cases I have identified - and that was a total scam in which party filing for bankruptcy had their case dismissed within a month. But the Bankruptcy court did not complete its reports and fully close the case until a year later.