This process has been ongoing for months, it is why the second house is for sale. No way he "only just found out".
It wouldn't be that he "only just found out" about the beginnings of a foreclosure being in the works, but rather that he "only just found out" that it unexpectedly accelerated to such a late stage. For example he might have put in a loan modification application weeks or months ago and convinced himself that it would hold off scheduling of a sheriff's sale for long enough to get the whorehouse sale closed and pay current uneventfully before anything goes public, perhaps because in true non-practicing lawyer fashion, his random googling around through "Deadbeat Lifehacks 101" websites led him to mistakenly believe that common stall tactics which routinely achieve delay for FHA/VA/USDA loans would necessarily work for a conventional loan from a boutique investment advisory firm such as this one (news flash: they don't). That and/or he convinced himself that if he and Kayla could successfully evade service of process for just long enough, any tentatively scheduled sheriff's sale would have to be postponed long enough to close the whorehouse sale with much more time to spare than the time crunch he faces now:
580.03 NOTICE OF SALE; SERVICE ON OCCUPANT.
Six weeks' published notice shall be given that such mortgage will be foreclosed by sale of the mortgaged premises or some part thereof, and
at least four weeks before the appointed time of sale a copy of such notice shall be served in like manner as a summons in a civil action in the district court upon the person in possession of the mortgaged premises, if the same are actually occupied. ...
Minn. Stat. 580.03
4.03 Personal Service
Service of summons within the state shall be as follows:
(a) Upon an Individual. Upon an individual
by delivering a copy to the individual personally or by leaving a copy at the individual's usual place of abode
with some person of suitable age and discretion then residing therein.
Minn. R. Civ. P. 4
With the sheriff's sale scheduled to February 5th the hard deadline for personal service would be this coming Wednesday January 8th, so this weekend would have been about the time to escalate the process server's unanswered doorknocks to stakeouts/tailing as needed, and it's plausible that the process server finally nabbed him or Kayla (or a third adult occupant) with the papers last night and effectively locked in the otherwise-tentative auction date. Couple that with the possibility that he
maybe off-and-on heeds his three shrinks' sage advice to steer clear of
iInternet negativity as much as possible, in which case he might not have learned about the late stage of the sheriff's sale's scheduling from the Farms mere days ago, and really did have to get a hand-delivered sheaf of papers as the wake-up call.
Or even if he did hear about the late stage before last night, the hand-delivery's officially locking in the auction date may have been his cue to now
pretend that he only just found out about it and portray himself to his supporters as the "reeling" victim of the "confluence of bullshit" that is the big bad bank's brazen disregard of his big-brained stall tactics, which was a "surreal" and "ridiculous" move on the bank's part because they should have just given him more time based on his or his attorney's bare assurances that they're imminently getting paid from the whorehouse sale proceeds anyway, but now their intransigence has unfairly forced him to be "working on it."
Nobody's saying that's necessarily what happened, but all of the above would most definitely be very much in character for the Nick we know.