Facing a Notice of Default or trustee sale in Hays 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
Rush response within 24 hours
Texas foreclosure moves quickly. The moment you receive a Notice of Default or Notice of Sale, the clock is running toward a first-Tuesday trustee sale. Early document preparation and a clear plan protect your options.
A Texas deed of trust typically allows roughly 20 days to cure after a Notice of Default before the trustee may accelerate and post a Notice of Sale.
Notices and trustee-sale records filed with the Hays County Clerk can be reviewed and used to confirm dates, amounts, and parties before you act.
Reinstatement, a completed loss mitigation or loan modification package, a negotiated workout, or a civil suit can all change the outcome before a sale occurs.
Dream Legal Solutions is not a law firm and does not provide legal advice. We assist homeowners representing themselves (pro se) with foreclosure document preparation.
Texas foreclosures generally move through a deed-of-trust process with specific notice requirements and a recurring first-Tuesday sale date.
A missed payment puts the loan in default under the deed of trust terms.
The lender sends a Notice of Default and begins the roughly 20-day cure period.
If not cured, the trustee posts and files a Notice of Sale at least 21 days before the auction.
The auction is held on the first Tuesday of the month at the county courthouse steps.
After the sale, the new owner may pursue eviction unless a legal challenge is timely filed.
Local records and courthouse information can help you confirm your foreclosure timeline and parties.
Foreclosure-related civil actions and certain filings are handled through the Hays County District Courts and the Hays County Clerk in San Marcos. Property and trustee-sale records are maintained by the Hays County Clerk.
Several paths can change the outcome before a trustee sale is completed.
Pay the past-due amount and costs to stop the sale and return the loan to good standing.
A completed loss mitigation package can lead to a modified payment that avoids foreclosure.
A negotiated repayment or forbearance plan with the servicer can pause the process.
Filing a lawsuit in Texas District Court can challenge the foreclosure and its timing.
Whether you are responding to a Notice of Sale, submitting loss mitigation, or organizing records for your own file, we help you prepare the paperwork that supports your next step.
Organizing your response to Notices of Default and Sale.
Packaging hardship letters, income and expense records.
Reviewing the deed of trust and payment history for your records.
Preparing written requests and correspondence to your servicer.
Get a free case review and find out which documents matter most for your Hays County situation.
Get a free, confidential case review and a clear next step.
Free Case EvaluationDream Legal Solutions is not a law firm and does not provide legal advice. We assist homeowners representing themselves (pro se) with document preparation. This page is educational information only and is not legal advice.