What happens when just two missed payments put your car or home at risk? In 2025, that’s becoming a reality for thousands of Texans. With inflation still squeezing household budgets, auto repossessions in the state have risen nearly 30% compared to last year, and foreclosure filings are climbing just as fast. Lenders are acting quickly—and many Corpus Christi families are finding out too late that a short delay can lead to losing everything.
The Law Office of Joel Gonzalez helps individuals in Corpus Christi stop repossession and foreclosure before it’s too late. Whether it’s negotiating with creditors, defending a foreclosure lawsuit in Corpus Christi TX, or filing Chapter 13 to protect assets, legal help can make all the difference.
In this blog, we’ll break down what’s happening with repossession and foreclosure in Texas, what your legal rights are, and how a repossession or foreclosure defense lawyer can help you hold onto what matters.
Why Repossession and Foreclosure Are Accelerating in 2025
Lenders aren’t waiting anymore. With used vehicle values dropping and the housing market shifting, creditors are moving fast to recover assets before their value declines.
Here’s how it’s playing out:
- Auto lenders often repossess vehicles after just 60 days of missed payments.
- Mortgage companies are filing foreclosure lawsuits faster, especially in areas like Corpus Christi where delinquency rates are rising.
- Inflation is making it harder for families to stay current on loans, increasing the risk of default.
What Happens When Repossession or Foreclosure Starts?
Whether you’re facing a car repossession or the early stages of a foreclosure lawsuit in Texas, the legal process moves quickly:
- For Vehicles:Lenders can repossess without notice if you’re behind on payments. After that, the vehicle is usually sold at auction, and you could still owe the difference.
- For Homes:You’ll typically receive a notice of default, followed by formal court filings. If no action is taken, the home can be sold at auction in as little as 41 days.
Ignoring the problem won’t stop it—but there are legal options.
Your Rights and Options Under Texas Law
Even if you’re behind, you still have rights. With the help of a foreclosure or repossession attorney in Texas, you may be able to:
- Negotiate a payment plan or temporary relief with lenders.
- Defend against a foreclosure lawsuit by raising procedural or legal issues.
- File Chapter 13 bankruptcy to stop all collection actions and keep your home or car.
Waiting Won’t Help—But Legal Action Can
How quickly could things escalate if you don’t act? Repossession and foreclosure timelines in Texas move faster than many expect—but so can the legal protections that stop them.
If you’re facing auto repossession or a foreclosure lawsuit in Corpus Christi, contact the Law Office of Joel Gonzalez today. As a dedicated repossession lawyer in Corpus Christi, Joel Gonzalez can help you understand your rights, stop collection actions, and fight to keep your property. Don’t wait until it’s too late—schedule a consultation to learn how we can protect what’s yours.
