In a nonjudicial foreclosure, Texas law gives homeowners the right to reinstate their loan in order to avoid a foreclosure sale. As for most mortgage foreclosures, there is no registration required.Under Judicial Foreclosure: Your mortgage lender must file suit in the court system. You'll get a letter from the court demanding payment. Contact us immediately at (832) 831-0833 for a free foreclosure defense consultation or fill out our form. This notice provides information about the debt, the legal description of the property, and sets a three-hour period during which the sale will be conducted. Don't wait until you lose your home. For a free consultation and evaluation, call Keeling Law Firm at 713-686-2222, or fill out the form to the right. Once your mortgage loan has been delinquent for 120 days, you will receive written notice in the form of a breach letter. Once you receive the notice of foreclosure, you will have 38 days to respond.