What would you do if a letter arrived tomorrow saying your home is about to be taken from you? For thousands of Texas families, that’s not just a hypothetical—it’s reality. Many homeowners don’t realize how quickly the process can move once a foreclosure lawsuit is filed.
Fortunately, there are ways to stop a foreclosure lawsuit before the worst happens. The Law Office of Joel Gonzalez offers legal options that can help people in situations just like this. As a local debt relief service, this firm focuses on helping people keep their homes and get back on their feet through smart legal tools and strategies.
In this blog, we’ll cover how foreclosure lawsuits work in Texas, what defenses may be available, and how filing for bankruptcy or negotiating with lenders can help you stop the process before it’s too late.
Understanding How Foreclosure Works in Texas
Texas follows a nonjudicial foreclosure process, which means lenders don’t need court approval to foreclose unless the borrower sues or files for bankruptcy. But if a lawsuit is filed against you—whether by the lender or as part of a response—it becomes a judicial process, and the stakes get higher.
Here’s what typically happens:
- You miss several mortgage payments.
- The lender sends you a Notice of Default.
- After 20 days, a Notice of Saleis issued.
- Your home can be auctioned off as soon as 21 days later.
If you’re served with a foreclosure lawsuit in Texas, it’s critical to act fast. Once a judgment is entered, stopping the sale becomes much harder.
How to Stop a Foreclosure Lawsuit Before It’s Too Late
There are several ways we can respond to a foreclosure lawsuit and try to save the home:
1. File for Chapter 13 Bankruptcy
Filing for Chapter 13 automatically puts a stop to foreclosure through a legal mechanism called the automatic stay. This pause gives us time to create a repayment plan that fits your income and helps catch up on missed payments over time.
It also:
- Protects your home while the court reviews your case
- Stops collection calls and harassment
- Gives you time to reorganize other debts
2. Challenge the Lawsuit in Court
Some foreclosure lawsuits are based on shaky grounds. We may be able to raise defenses such as:
- The lender didn’t follow proper procedures
- The loan servicer applied payments incorrectly
- You weren’t properly notified
Raising valid defenses could delay or stop the foreclosure and buy you more time to seek debt relief or negotiate.
3. Negotiate a Loan Modification or Settlement
In many cases, lenders are open to modifying the loan terms—especially if the alternative is a long and costly foreclosure. A debt settlement lawyer can help:
- Request a loan modification
- Propose alternative repayment terms
- Communicate with the lender on your behalf
This can lead to lower payments, interest rate adjustments, or more time to catch up.
Why Acting Early Makes All the Difference
The longer you wait, the fewer options you have. Once the foreclosure sale is finalized, getting the home back becomes nearly impossible. If you’re dealing with a foreclosure lawsuit—or even just behind on your mortgage—it’s time to look into your legal options.
Wondering What Your Next Move Should Be?
If you’re asking yourself how to stop a foreclosure lawsuit before things spiral out of control, the key is to act early and understand your rights. The Law Office of Joel Gonzalez has helped many families across Corpus Christi take back control of their finances with effective, no-nonsense solutions.
Whether it’s through Chapter 13, challenging a lawsuit, or negotiating directly with lenders, Joel Gonzalez brings focused, experienced representation to the table.
If you’re facing a foreclosure lawsuit in Corpus Christi or need a trusted debt relief service that knows the process inside and out, contact the Law Office of Joel Gonzalez today. With the right legal support, you don’t have to lose your home—and you don’t have to face it alone.
