Is it too late to stop foreclosure once the process has started?

Not always. As long as your home hasn't been sold at auction, there may still be legal options, such as filing Chapter 13 to stop the process.

Does filing bankruptcy stop a scheduled foreclosure sale?

Yes. Filing triggers an automatic stay, which puts an immediate hold on foreclosure activity, including a scheduled sale, in most cases.

What's the difference between a loan modification and forbearance?

A loan modification permanently changes your loan terms. A forbearance is temporary relief, such as reduced or paused payments.

Can I avoid foreclosure without going to court?

Yes. Many cases are resolved through negotiations with the lender—like reinstatement, modification, or forbearance—without litigation.

When should I contact a foreclosure lawyer in Texas?

Immediately after receiving a notice of default or falling behind on payments. The sooner you act, the more solutions may be available.

Stopping Foreclosure: Legal Strategies to Keep Your Home

August 28, 2025 by Carrie Weir

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...]