Once your lender files a foreclosure lawsuit in Corpus Christi, you will typically receive a citation requiring you to respond within a set number of days, or the court may enter a default judgment against you. This does not mean you are out of options. Depending on your circumstances, you may be able to negotiate a loan modification, catch up on missed payments through a repayment plan, or file for bankruptcy protection to pause the process. Acting quickly after being served gives you the best chance of keeping your home.

Texas allows both judicial and non-judicial foreclosure, and lenders here often move faster than in states that require court approval for every step. A foreclosure lawsuit in Texas may still go through the court system if the lender chooses that route or if there is a dispute over the debt, missed notices, or the amount owed. Because timelines can move quickly, it helps to speak with an attorney as soon as you receive any notice of default or intent to foreclose.

Yes. An automatic stay goes into effect the moment you file for bankruptcy, which immediately halts most collection actions, including a pending foreclosure sale. Chapter 13 bankruptcy in particular allows homeowners to catch up on missed mortgage payments over a repayment plan lasting three to five years, while Chapter 7 can buy additional time and, in some cases, eliminate other debts that are making the mortgage harder to afford. This protection gives families genuine breathing room to reorganize their finances.

Bring your mortgage statements, any notices from your lender, the summons and complaint if you have already been served, proof of income, and a list of your other debts. Having these documents ready allows your attorney to quickly assess your options, whether that means fighting the case in court, negotiating directly with the lender, or filing bankruptcy to stop a scheduled sale. The earlier these details are reviewed, the more choices you typically have.