Texas notice of default or acceleration
In Texas this letter is often “notice of default,” “notice of intent to accelerate,” or a demand that you pay the arrears. It is not the 21-day notice of sale yet. It is the servicer putting the loan in default and starting the fee stack. You still own the house. You are still the seller.
People file it with the junk mail. Then the substitute-trustee notice shows up and the first Tuesday is on the page. A short sale started after acceleration is already late. Cash can still fit if the payoff works. Waiting for “review” is how the clerk packet gets filed in Fort Bend.
We buy Houston-metro houses as the purchaser. We do not cure the default for you. We do not stop a foreclosure sale. If you want to keep the house, start with who to call for free help.
Bring the letter. Sugar Land, Katy, Richmond, Missouri City, Rosenberg. If you already have a notice of sale, say so. Talk about selling.
What the statute actually says
This letter is usually the 20-day default notice required before a residence can be posted. Property Code § 51.002(d) says the servicer “shall serve a debtor in default … with written notice by certified mail stating that the debtor is in default … and giving the debtor at least 20 days to cure the default before notice of sale can be given.”
That is not the 21-day notice of sale yet. It is the statutory step that comes first. Ignore it and § 51.002(b) is next. We buy if you want to sell while you still own it. We do not cure the default for you.
Statute links are the official text. This site is not a law firm. We buy houses. We do not give legal advice.
We do not stop a foreclosure sale. We are the buyer, not your agent.
Related: Is this house in foreclosure? · Sell a house in foreclosure · How we buy · Default letter · Owe more than it is worth · Fort Bend sale months