OCR Legal, PLLC represents homeowners facing foreclosure across Collin, Denton, Dallas, Tarrant (Fort Worth), Smith (Tyler), and Harris (Houston) counties, Texas. Because Texas allows non-judicial foreclosure under Property Code Chapter 51 — often completed in as little as 41 days after default — acting early is critical to preserving options like reinstatement, loan modification, or bankruptcy.You may still have legal options if you cannot cure the default. For example, you may be able to negotiate a loan modification with your lender or explore the possibility of a short sale. In some cases, bankruptcy may also be an option to delay or stop the foreclosure process.

It is essential to consult with an experienced attorney who can help you understand your legal rights and options when facing foreclosure. At OCR Legal, PLLC in Texas, led by Attorney Omar Colón has helped many clients navigate foreclosure and find the best solution for their circumstances.

OCR Legal represents clients throughout six Texas counties: Collin County (McKinney, Frisco, Plano, Allen), Denton County (Denton, Lewisville, Frisco), Dallas County (Dallas, Irving, Garland), Tarrant County (Fort Worth, Arlington), Smith County (Tyler), and Harris County (Houston, Pasadena, Baytown).

Frequently Asked Questions

How fast can a home be foreclosed on in Texas?

Texas permits non-judicial foreclosure under Property Code Chapter 51, and a lender can post and sell a home in roughly 41 days after the required notices.

Can bankruptcy stop a Texas foreclosure sale?

Yes. Filing bankruptcy before the sale date triggers the automatic stay under 11 U.S.C. §362, which immediately halts a scheduled foreclosure auction.

What notice must a lender give before foreclosing in Texas?

Lenders must send a notice of default with at least 20 days to cure, followed by a notice of sale at least 21 days before the sale date, under Texas Property Code §51.002.

Can I sell my house instead of losing it to foreclosure?

Often yes — a negotiated sale before the posted sale date can avoid a foreclosure on your credit record entirely.

Does OCR Legal handle foreclosure cases outside of Collin County?

Yes, OCR Legal represents homeowners in foreclosure matters throughout Collin, Denton, Dallas, Tarrant, Smith, and Harris County.