Foreclosures in Texas

[Laurenda Landry]

Hello,

I was searching the courthouse website and I came across several properties with foreclosure civil actions. Does this in fact count as preforeclosure? At what point of the foreclosure process is it no longer legal to speak with the homeowner?

[Ron S.]

There is no point where it is no longer legal to speak with a borrower (Notwithstanding the millions of fictional, hypothetical, fantastical "What if" situations one could come up with, where that may not be a valid statement on my part). Depending on who you are though and the content of your conversation, you may have restrictions. Like, if you are a debt collector talking with them about a debt and they are in bankruptcy, then you would be prohibited from speaking with them on any debt related topic.

Also, if you are subject to any local or state rules regarding foreclosure prevention companies soliciting borrowers, you might want to read up. A neighbor knocking on the door of a homeowner asking him if he wants to sell his house to him might not fall under the category of a foreclosure prevention company but then again, it wouldn't be the first time someone got sued for a stupid reason/allegation.