Facing a Notice of Default or trustee sale in Floyd County, Texas? Texas follows a non-judicial foreclosure process under a deed of trust. We prepare the paperwork tied to these steps — including Notice of Sale response and loss mitigation — so you can focus on your options.
Notice of Default
Response paperwork
Deadline Help
Tracking key dates
Loss Mitigation
Workout documents
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Texas foreclosure timelines move quickly under a deed of trust. The earlier you respond to a Notice of Default or Notice of Sale, the more options remain available under Texas law.
In Texas, a deed-of-trust loan is generally foreclosed non-judicially. A notice of default and intent to accelerate begins the process, giving you a defined window to cure.
Where applicable, Texas law provides a 20-day cure period after the notice of default. Reinstating within this window can stop the acceleration and the scheduled sale.
Loan modification, repayment plans, and short-sale packages can be submitted to your servicer before the Notice of Sale period ends. Documented requests help preserve your options.
Dream Legal Solutions is a document-preparation service for homeowners representing themselves (pro se). We are not a law firm and do not provide legal advice.
Most Texas home loans are secured by a deed of trust, which allows a trustee to foreclose without going to court. Understanding each step helps you respond at the right time.
Delinquency builds as payments are missed. Your servicer may send collection notices and begin default procedures under your deed of trust.
The lender sends a notice of default and intent to accelerate. Where applicable, a 20-day cure period begins during which you can reinstate the loan.
At least 21 days before the sale, a Notice of Sale is posted and filed with the county clerk. It states the date, time, and location of the trustee sale.
The original trustee may be replaced by a substitute trustee who conducts the sale and handles the required notices on the lender's behalf.
Trustee sales are held on the first Tuesday of the month at a designated location, often the county courthouse. The property is auctioned to the highest bidder.
If the property sells, possession and any surplus proceeds are handled under Texas law. Acting before the sale preserves the most options.
Understanding where records are kept and what options exist can help you respond with confidence in Floyd County.
Notices of Sale and trustee-sale records are filed with the Floyd County Clerk in Floydada. Public records can confirm the scheduled sale date and property details.
While most Texas foreclosures are non-judicial, civil actions related to a deed of trust are filed in the district court serving Floyd County. Court records are public.
Paying the past-due amount plus allowable costs within the cure period can stop the foreclosure.
Requesting changed terms from your servicer may make payments affordable and stop the sale.
Selling for less than owed, with servicer approval, can resolve the debt and avoid a trustee sale.
Voluntarily transferring the property to the lender may be an option when keeping the home is no longer possible.
We prepare the documents homeowners need to respond to the Texas non-judicial foreclosure process and pursue their options.
Organized responses to notice of default and Notice of Sale letters, with supporting documentation.
Assembled loan modification, repayment plan, and hardship packages for submission to your servicer.
A clear timeline of your 20-day cure period and 21-day Notice of Sale window so nothing is missed.
Help organizing county clerk records, deeds of trust, and payment histories for your file.
Answers to common questions from Floyd County, Texas homeowners facing foreclosure.
Talk to us today about your options and the Texas foreclosure process.
Dream Legal Solutions is not a law firm and does not provide legal advice. We assist homeowners with pro se document preparation and related support. This information is educational and is not a substitute for advice from a licensed attorney.