Protecting debtors whose homestead is about to foreclosed upon is a passion of mine.

It astounds me how many home equity violations exist. Lenders were pushing loans when these types of loans were first approved in Texas.  Many lenders didn't follow the rules. Appraisals were fabricated, interest rates were too high, closing costs exceeded the 3% cap and the list goes on and on.

The Texas constitution protects homeowners from these predatory practices TEXAS HAS ALWAYS BEEN PROTECTIVE WHEN IT COMES TO HOMESTEAD. This is the reason we were the last state to allow home equity loans. It is the reason Sam Houston moved to Texas.

Yet, I see lenders "getting away" with these violations on a daily basis. In Texas, you have to initiate the foreclosure proceeding by filing an expedited foreclosure proceeding in the district court to obtain permission from the court to then proceed with a non-judicial foreclosure. I see lenders obtaining default after default because homeowners don't know how to protect themselves. I also see lenders charging exorbitant and un-necessary fees for the foreclosure process - fees they are not entitled to receive.

YOU OWE IT TO YOURSELF TO AT LEAST MAKE A TEN MINUTE CALL TO ME TO DETERMINE WHAT YOUR OPTIONS ARE WHEN YOU ARE FACING A HOME EQUITY FORECLOSURE.

MY MISSION IS TO KEEP AS MANY PEOPLE IN THEIR HOMES AS I CAN. 

THINGS TO CONSIDER:

• A default can be rendered in approx. 2 months after the filing of an expedited foreclosure.
• An Answer (filed by the right attorney) may give you 6 months up to a year to work out a solution.
• Certain violations under the Texas Constitution can render the loan invalid. That can mean you don't have to pay.
• Mortgage companies (or servicer) are tacking on unfair, exorbitant fees during the expedited foreclosure process.
• I have represented the lenders and know how they think. I know how to shift the power to your side.
• If you wait until the mortgage company has posted your property for foreclosure, you have severely limited your options of protecting your homestead
• The picture to the right is a picture of the Sam Houston house with the skyline of Houston in the background. It is symbolic of the intense protective nature of Texas to preserve homesteads as provided in the Texas Constitution.
• Call me today to discuss the many options you have to protect your homestead.

PROTECT YOUR RIGHTS: