Houston Foreclosure Attorney

We Can Help You Save Your Home!

​In record numbers, people throughout the Greater Houston area and across Texas have found themselves unable to make mortgage payments. Your home may have dramatically declined in value. Your loan terms may be very unfavorable. Many homeowners have second mortgages and are burdened by a lot of other debts.

If you are facing the threat or reality of foreclosure, there is no time to lose in getting trustworthy legal advice. Our foreclosure attorneys in Houston have years of experience and have helped families halt foreclosure processes.

When you contact Guzman Law Firm, we take time to listen to what has happened with your mortgage, your income, and your other debts so that we can give advice that fits your specific circumstances. We understand how stressful it is to worry about losing your home, and we walk you through what to expect in the foreclosure process in Harris County and the surrounding courts. By understanding the legal timeline, including when notices are sent and when a sale can be scheduled, you are in a better position to decide whether working with a foreclosure defense attorney is the right step for you and your family.

How to Stop Foreclosure in Houston, Texas

If you were able to pay the full amount necessary to bring your mortgage current, you would almost certainly have done that. A loan modification is rarely achievable once you are already behind. For many clients we meet, filing for bankruptcy is one way to save the home.

With bankruptcy, you can gain up to five years to catch up on payments, in addition to “stripping” a second mortgage in some circumstances. Filing for Chapter 13 bankruptcy can help stop foreclosure in Houston; a petition can be filed with the bankruptcy court that brings an “automatic stay” into effect. This automatic stay can immediately bring a halt to the foreclosure process. Our attorneys may be able to seek relief from foreclosure at any point before the day of the foreclosure sale.

In Texas, most residential foreclosures are handled outside of court, which means the sale date can approach quickly if you do not take action. We review the notices you have received, the deadlines set under the Texas Property Code, and the scheduled auction date so you understand how much time you realistically have to act. Because the United States Bankruptcy Court for the Southern District of Texas sits in downtown Houston, we are familiar with the local procedures and requirements that apply when using bankruptcy to stop a foreclosure sale.

Guzman Law firm can help you stop foreclosure in Texas by:

• Conducting a thorough financial analysis to help you decide whether staying in your home is a realistic goal
• Taking prompt action if a Chapter 13 filing will let you save your home
• Advising you honestly on your benefits and obligations in bankruptcy

At the Guzman Law Firm, we present foreclosure defense strategies with integrity. We will understand how important it is for you to save your home. If the math does not work, we will tell you so. In that case, or if you are not yet in foreclosure, we will also help you consider other options, such as a Chapter 7 filing to eliminate other debts.

We also talk with you about non-bankruptcy options that may apply in your situation, such as negotiating with your mortgage company, exploring repayment plans, or selling the home before a foreclosure sale takes place. Our goal is to help you understand the pros and cons of each path so you can decide whether to keep the property, walk away from an unaffordable loan, or use bankruptcy tools to buy time. When you work with a foreclosure defense lawyer from our team, you have someone focused on protecting your long-term financial well-being, not just the next payment deadline.

Common Foreclosure Mistakes To Avoid in Houston

Many families lose valuable options because they wait too long to get information, or they act on incomplete advice. It can be tempting to ignore letters from the mortgage company or hope that a last-minute deal will appear, but delay often shortens the time you have to use tools like bankruptcy or negotiated solutions. A foreclosure attorney from Guzman Law Firm can help you understand how missed payments, returned mail, and failure to respond to notices can affect the foreclosure timeline in counties around Houston. By learning what to avoid, you can make calmer decisions and keep more control over what happens next with your home.

Some frequent missteps we see in foreclosure cases include:

• Ignoring certified mail and other notices that explain your rights and deadlines under Texas law
• Relying on verbal promises from a servicer instead of getting any agreement or modification terms in writing
• Waiting until the last days before a scheduled sale to ask about options such as Chapter 13 or a possible workout

Another common mistake is sending partial payments or lump sums without a clear written agreement about how the lender will apply those funds. Without that clarity, the payment may not stop the foreclosure process or may be treated as something other than a cure of your default. Talking with a foreclosure defense attorney before you send money or sign documents gives you a chance to see the bigger picture and choose a strategy that supports your overall financial goals. We work with you to avoid quick decisions that feel hopeful in the moment but create bigger problems down the road.

Connect with an experienced foreclosure defense lawyer as soon as possible. Dial (713) 338-9009 for a consultation.

Frequently Asked Questions

Can I Get Foreclosure Protection?

If you are facing foreclosure, you may be able to protect yourself from it. Communicating with your mortgage lender is going to help provide clarity. The grounds for protection may include unemployment or decreased income that you may be facing. 

We will review the letters you have received and explain whether any federal or state protections may apply to your loan based on its type, the investor, and your payment history. Even if pandemic-related programs are no longer available, your lender may still offer temporary relief, repayment options, or review for loss mitigation if you respond quickly. By speaking with a foreclosure attorney in Houston early, you give yourself a better chance to use these protections before the mortgage company moves forward with a sale on the courthouse steps.

How Long Can I Stay in My Home After Foreclosure?

The amount of time that a person is allowed to stay in their home during foreclosure is determined based on how long the foreclosure takes. A person will be allowed to stay in their home until it has been sold. It is important to note that some foreclosures take a year or longer to finalize, giving you additional time in your home.

After a foreclosure sale, there are still legal steps the new owner must take before they can be forced to move, including any required notices and, in many cases, an eviction case in a local justice court in the Houston area. We can discuss what usually happens after the sale date, how much time families generally have to relocate, and what rights you have during this period. Knowing this timeline can ease some of the uncertainty and help you decide whether to pursue bankruptcy, negotiate a move-out date, or focus your resources on securing new housing. Connect with a qualified foreclosure lawyer in Houston as soon as possible.

Will I Lose All Equity in Foreclosure?

If you are not able to prevent foreclosure, you may be wondering if you are going to get anything out of it in the end. Any equity (the money that you pour into your house as you pay your mortgage) that is left behind after foreclosure does belong to you. However, equity is often spent quickly to pay for bills, unexpected expenses, and fees that come with foreclosure.

We explain how equity is calculated in a Texas foreclosure, including the effect of unpaid property taxes, homeowner association liens, and the costs added by the lender when the property is sold. Understanding this process in advance can help you plan for where you will live next and how to use any remaining funds in a way that supports your overall financial recovery. In some situations, talking with a foreclosure attorney before the sale date allows you to consider selling the home yourself or using bankruptcy exemptions to protect a portion of your equity where the law allows.

Our qualified Houston foreclosure lawyer is ready to help you. Get in touch via online form to make an appointment right away.