SANTA FE, N.M. — New Mexico’s court system is taking steps to ease financial upheaval as the state resumes foreclosures on delinquent mortgage loans and phases out a pandemic moratorium on commercial debt collection orders often tied to credit cards or health care.

The Administrative Office of the Courts on Monday announced staggered deadlines for a return to debt collection orders that can be used to garnish wages or seize property to pay off commercial debts. Common forms of overdue credit are linked to credit card spending and medical expenses.

At the same time, the state judiciary said mortgage lenders can’t foreclose on properties without first providing homeowners with information about various ways to avoid foreclosure — including forbearance agreements that reduce or suspend loan payments temporarily.