Foreclosure Attorney in Houston, Texas
The country's financial crisis has made homeownership impossible for some, and it has left others facing foreclosure. Foreclosure is a scary and difficult process, but at Payne & Associates, I’m ready to help you navigate it. For the last 15 years, I have assisted my clients in avoiding foreclosure.
Dealing with the potential loss of your home often feels like a hopeless process, but it does not have to be. Start exploring solutions by scheduling a consultation with me today. From my office in Houston, Texas, I serve clients in the surrounding areas of Sugar Land, Katy, Pearland, and The Woodlands, Texas.
What Is Foreclosure?
Foreclosure is the legal process in which a piece of property is sold in order to repay debts that are owed by a property owner. Under Texas law, there are three different methods of foreclosure: judicial, non-judicial, and expedited.
In a judicial foreclosure, the loan lender — or lienholder — must first file a civil lawsuit against the homeowner and obtain a court judgment before they can foreclose the property in question.
Also known as “power of sale” foreclosure, a non-judicial foreclosure is what its name suggests: a foreclosure that doesn’t require an initial civil lawsuit against the homeowner. Rather, the lienholder only needs a deed of trust with a “power of sale” clause in order to sell the property.
When a lienholder is pursuing an expedited foreclosure, they must notify you within 10 days of the date they file. Once you receive the notice of foreclosure, you will have 38 days to respond.
For knowledgeable legal advice during an issue of foreclosure, reach out to me today in Houston, Texas.
Protect Your Home & Your Future
No matter how complex your case may seem, I stand ready to defend you in the fight to save your home. With years of experience handling cases of foreclosure, I know what it takes to build a strong defense. I’m ready to advise you on your options, which may include:
Exploring federal relief programs
Avoiding foreclosure by filing bankruptcy
Completing a short sale instead
When Foreclosure Can't Be Avoided
In some cases, foreclosure is inevitable, but that doesn't mean my work is done. I will continue to help you so your rights are protected as you move through the foreclosure process. I’m prepared to guide you through the paperwork and stressful calls to make sure you are being treated fairly.
Why Work with Me?
Payne & Associates is a family-operated firm. I’m all too aware of the devastating impact that foreclosure can have on families in Houston. In many cases, children may be forced to move, which can cause additional stress. I understand what you're going through, which is why I’m committed to offering professional assistance without judgment to ensure that you and your family can work toward the best possible outcome for your situation.
With me as your legal partner, you’ll never be treated like just another case number. I’ll listen intently as you describe your situation, and I’ll use that information to craft a strategy tailored to your desired result. When you need compassionate and collaborative legal counsel, I’ll be here to provide it.
Put a Fierce Advocate in Your Corner
If you are struggling to keep up with mortgage payments, get in front of the issue by working with me early in the process. Whether you were recently laid off or became buried in debt, getting in touch with an attorney may be the key to saving your home and the well-being of your family.
Get the defense you deserve when faced with foreclosure in Houston, Texas. Contact me today at Payne & Associates to schedule a free consultation. I proudly represent clients in Sugar Land, Katy, Pearland, and The Woodlands, and I’m ready to help you strategize a path forward. Let me lead the way.