Facing a foreclosure in the state of Texas can be a difficult situation for an individual and their family. Texas is a nonjudicial foreclosure state, which means lenders may foreclose on your property without court proceedings. An experienced Texas foreclosure defense attorney can help review your current financial situation and possibly help with stopping the foreclosure of your home. Our firm services the Amarillo and Lubbock areas.

We understand that your home is a safe haven for you and your family. Facing a foreclosure for any reason threatens the stability of your home and can disrupt your personal life. Once the foreclosure process has started, you typically have just a few short months to act before your property is sold at auction. Hiring a foreclosure defense attorney can help you properly navigate the foreclosure process.

When you meet with Northern Law Firm, we will carefully examine your mortgage and other paperwork relating to the foreclosure. This may help uncover careless, unethical, or even illegal practices by your lender that can help your case, in addition to determining the best possible foreclosure defense strategies to help you in mediation or court, which includes:

• Filing for bankruptcy
• Truth in Lending Act violations
• Truth in Lending Act recission
• Produce the note 
• Chain of title
• Prudential and legal standing to foreclose

If there are no ethical issues uncovered after analyzing your mortgage documentation, the next step is to consider all of your options and think about what your goals are, such as:

• Negotiating with the lender to determine an alternate form of repayment
• Obtaining a loan modification from your lender
• Reducing the interest rate on your loan
• Starting the short sale process
• Using a deed in lieu of foreclosure