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your state: national best-practice guidance
The delinquency-to-lien collection path, the pre-lien and pre-foreclosure notice periods, and the order in which a partial payment is applied are governed by state statute. Florida's 45-day notice timing and application-of-payments order are built in full. Confirm your state's collection statute and notice periods before sending a demand or lien notice.
Florida basis: F.S. § 720.3085 / § 718.116 / § 719.108
We build each state in full as we author its statutory rules — Florida is done, and your state is on the way. Until then, use the Florida reference and confirm the specifics for your state with your governing documents and state statute. This is educational and not legal advice.