Falling behind on a mortgage is one of the most stressful experiences a homeowner can face. A missed payment quickly turns into several, late fees compound, and lender’s notices become more urgent. Because Texas has one of the fastest non-judicial foreclosure processes in the country, homeowners often look for anything that might slow the clock. … [Read more...]
Can Chapter 13 Bankruptcy Stop a Home Foreclosure?
September 17, 2025 by
Facing Foreclosure? Chapter 13 May Be the Solution Losing a home to foreclosure can be one of the most stressful experiences a homeowner faces. If you've fallen behind on mortgage payments and received a foreclosure notice, you may feel like you are out of options. But you’re not. Chapter 13 bankruptcy can be a powerful legal tool to … [Read more...]
Stopping Foreclosure: Legal Strategies to Keep Your Home
August 28, 2025 by
Foreclosure can have emotional, financial, and legal consequences. The fear of losing your home is real, but it's essential to know that homeowners in Texas have legal protections and options to fight back. Whether you're simply behind on your mortgage payments, have received a notice of default, or are already a party to a foreclosure action, you … [Read more...]
Can You Use Bankruptcy to Avoid Foreclosure?
December 20, 2018 by Leave a Comment
When you're struggling to meet your financial obligations, one of the first debts that can get away from you is your mortgage. Unfortunately, it won't take long before you find yourself involved in foreclosure proceedings. Perhaps there's light at the end of the tunnel—you can see that your financial situation will improve dramatically in the near … [Read more...]
How to Keep Your Home through Chapter 7
May 22, 2016 by Leave a Comment
Whether you can keep your home when filing a Chapter 7 case mostly depends on the answers to two questions: Are you current or close to current on your mortgage and other debts on your home, and Is the equity in your home protected by your "homestead exemption"? Let's focus today on your mortgage. If You Are Current on Your … [Read more...]
How Chapter 7 Actually Works When Keeping Your Home
October 20, 2015 by Leave a Comment
If Current on All of Your Home Obligations A Chapter 7 “straight bankruptcy” is generally designed for more straightforward debt situations, including involving debts on your home. If you are current on all obligations secured by your home, and you intend to keep the home and keep up on your mortgage payments, your home and your mortgage will very … [Read more...]
Three More Good Reasons to Get Bankruptcy Advice Before Selling Your Home
July 24, 2014 by Leave a Comment
Get advice if 1) you can’t afford your house payments, 2) it has an income tax lien, or 3) your mortgage modification was rejected. The last blog gave three reasons why you should get advice from a bankruptcy attorney before selling your home. Here are three more. They will help you make better decisions about your home, and could save you lots … [Read more...]
Saving Your Home through Five Powerful Tools of Chapter 13
October 1, 2013 by Leave a Comment
Chapter 13 is known as the home-saver. It provides a set of tools, each of which solves a different problem. It gives you a powerful combination. Here are five of those tools: Catch up on your mortgage arrearage, flexibly and while protected. You have the length of your Chapter 13 plan–as long as 5 years—to pay your mortgage back … [Read more...]
Bankruptcy-As-A-Tool-In-A-Foreclosure-Proceeding
September 10, 2012 by Leave a Comment
When you are struggling to meet your financial obligations, and have fallen behind on your mortgage, you may have questions about whether or not a bankruptcy filing can help you keep your home. This blog post takes a look at how the bankruptcy laws affect home mortgages, and whether a Chapter 13 reorganization can be an effective tool when you face … [Read more...]
