Protecting Your Home and Housing Rights in Texas
Navigating the complexities of mortgage, real estate, and housing law can be overwhelming. If you are a Texas homeowner or tenant facing difficult legal challenges, Cannon Legal PLLC is here to provide the experienced legal guidance you need.
We can help you with a range of Mortgage, Real Estate, and Housing issues, including:
Mortgage Problems
Are you facing potentially abusive lending practices, struggling with mortgage servicing errors, or worried about foreclosure?
We can review your loan documents, advise you on your rights under Texas and federal law, and help you explore options like loan modification, loss mitigation, or foreclosure defense. We also assist homeowners in understanding and addressing high-cost home loans and potential predatory lending schemes.
Unreasonable Collection and Credit Reporting
If you are facing aggressive or unlawful debt collection tactics from mortgage servicers or other entities, or if you believe your credit report contains inaccurate information related to your mortgage, we can advise you on your rights. This includes rights under the Texas Debt Collection Act (TDCA) and the Fair Credit Reporting Act. We will help you take action to protect yourself.
Foreclosure Defense
Don’t face foreclosure alone. We can help you:
- Understand the foreclosure process in Texas.
- Verify the legality of the foreclosure notices.
- Explore loss mitigation options.
- Fight to protect your right to stay in your home.
We can also advise on the implications of bankruptcy as a foreclosure prevention tool and represent you in wrongful foreclosure claims if your rights have been violated.
Predatory Lending
If you believe you have been a victim of predatory lending practices, we can analyze your loan terms for potential violations of consumer protection laws, including the Texas DTPA and the Texas Finance Code. We can help you understand your options for seeking remedies and recovering damages.
Mortgage Servicing Errors
Are you experiencing problems with your mortgage servicer, such as misapplied payments, escrow account errors, or force-placed insurance?
We can guide you in sending effective Qualified Written Requests (QWRs) and Notices of Error. We can also help you understand your legal recourse if servicers fail to comply with the law.
Landlord-Tenant Disputes
If you are a tenant facing eviction, dealing with landlord neglect of essential repairs, or experiencing potential retaliation, we can advise you on your rights under Texas law and help you take appropriate action.
Don’t let complex mortgage, real estate, and housing problems threaten your peace of mind and financial stability. Contact Cannon Legal PLLC today for a confidential consultation and learn how our experienced consumer law attorneys can help you protect your rights and find the best possible resolution for your situation.
Texas Mortgage, Real Estate and Housing Debt Collection FAQ’s
Texas law provides tenants with certain rights in eviction proceedings. We can review the eviction notice and help you understand your options for responding and potential defenses you may have.
In many cases, filing bankruptcy, particularly Chapter 13, can temporarily stop a foreclosure by invoking an automatic stay. This can provide time to explore options like catching up on missed payments through a repayment plan.
Time is critical. Contact us immediately so we can review the notice for compliance with Texas law, discuss your options for stopping or delaying the foreclosure (such as loss mitigation or bankruptcy), and explore potential legal defenses.
A QWR is a formal written request to your mortgage servicer about errors or for information about your loan. Sending a QWR triggers the servicer’s legal duty to respond and investigate your concerns, which can help resolve issues like misapplied payments or incorrect fees.
We can review your situation and help you understand options like loan modification, forbearance, repayment plans, or other loss mitigation programs offered by your lender. We can also advise you on the foreclosure process in Texas.
