We are Dallas Fort Worth attorneys and lawyers that haven’t forgotten we are in business to serve clients. We collect money owed to our clients. We use the legal process to repossess or foreclose on unpaid mortgage and note payable obligations. We use the legal process to benefit you, not us.
We are located near Lovers Lane and Central Expressway. We represent clients throughout the Dallas-Fort Worth Metroplex and across all of Texas. If you have a question, send us an email by clicking here. Our email is checked constantly during the week and frequently on weekends. Please do not hesitate to contact us by whatever method is most convenient for you.
We Represent Creditors
We represent one side of these transactions: yours. If someone owes you money secured by Texas real estate or personal property and they have stopped paying, we know how to enforce your rights efficiently and correctly.
Our clients include individual investors who carry seller-financed notes, private and hard-money lenders, community banks and credit unions, commercial landlords, equipment finance companies, homeowners associations, and businesses holding promissory notes and guaranties from customers or former partners.
On occasion we will represent borrowers, but not normally.
What We Do
Non-Judicial Foreclosure of Real Property
Texas allows a lender with a properly drafted deed of trust to foreclose on real property through a trustee sale, without filing a lawsuit. We manage the entire process from document review through the courthouse-steps sale and post-sale deed recording. We handle foreclosures in all 254 Texas counties.
Deficiency Judgments
When the foreclosure sale does not cover the full debt, you may have the right to sue the borrower for the remaining balance. Time limits apply, and they are strict. We move quickly to preserve that right when the numbers justify pursuing it.
Personal Property Repossession
When the collateral is a vehicle, equipment, or inventory, different rules apply. A creditor who disposes of repossessed collateral incorrectly can lose most or all of the right to collect the remaining balance. We manage these dispositions properly.
Creditor Rights in Bankruptcy
When a debtor files bankruptcy, the automatic stay immediately halts all collection activity, including a pending foreclosure. We represent creditors in every Texas federal bankruptcy court, filing proofs of claim, seeking stay relief, negotiating reaffirmation agreements, and objecting to plans that shortchange our clients.
Promissory Note and Guaranty Enforcement
Sometimes the right move is a direct suit on the note rather than, or in addition to, a foreclosure. We evaluate the options and pursue the strategy most likely to produce real recovery.
A Resource for Our Clients
We have tried to put together information that is genuinely useful to our clients, so that these pages can serve as a quick reference. The ABCs of Foreclosure section explains the non-judicial process step by step. The Bankrupt Debtors section covers creditor rights when a borrower files for bankruptcy.
These pages are not a substitute for an attorney or for legal advice, and they are not themselves legal advice. They are basic information only. If there is a topic you would like to see covered here, contact us and we will add it.
Frequently Asked Questions
How long does a Texas foreclosure take from start to sale?
From the time we are engaged and have the documents in hand, a standard Texas non-judicial foreclosure with no bankruptcy, no IRS liens, and no cure-period complications typically runs 45 to 60 days from start to courthouse-steps sale. The legal minimum notice period is 21 days, but getting all the pieces assembled correctly takes some of that time.
Do I need to go to court to foreclose in Texas?
In most cases, no. Texas allows non-judicial foreclosure under a deed of trust, which means the entire process, from notice to courthouse sale, can be completed without filing a lawsuit. The exception is home equity loans on Texas homesteads, which require a court order before the sale can proceed. We handle both.
My borrower just filed bankruptcy the morning of the sale. What do I do?
Stop the sale immediately and call us. The automatic stay goes into effect the instant the bankruptcy petition is filed. Proceeding with a sale after receiving notice of a bankruptcy filing can result in the sale being voided and sanctions against the creditor. We file for relief from the stay promptly once we confirm the filing details.
Can you handle matters outside of Dallas?
Yes. We handle foreclosure and creditor rights matters in every Texas county. The courthouse-steps process is the same statewide, and distance is not an obstacle.
How do your fees work for foreclosure matters?
We bill foreclosure work on an hourly basis. We discuss our fee structure when we review your specific matter. There are no surprises.
What kind of clients do you represent?
We represent creditors: lenders, note holders, equipment finance companies, commercial landlords, and businesses that are owed money. We do not represent borrowers or debtors. If you hold a note, a deed of trust, a guaranty, or a security interest and someone is not paying, we are on your side of that problem. On occasion, we will represent the borrower, but not normally.