My question involves a mortgage in the state of: Texas
I received a letter of foreclosure in the fall of 2011, which I thought was "intent of foreclosure", which prompted me to call the legal firm and my HOA which filed the foreclosure over a matter of an original unpaid $200 HOA annual due. I "resolved" the outstanding debt by paying the HOA and Legal fees in full ($2000), and later even received a mail from the HOA at the beginning of the year for the next year's dues, showing that I owed no outstanding amount.
What I failed to realize was that my lien had been sold and indicated in that letter I received in the Fall of 2011, and the 180 days of redemption started THEN. Now in the spring, I have received on day 181 a notice for eviction, county court appearance notice concerning foreclosure, $100 in past rent, and court costs. Only now, I have realized the gravity of the situation.
I have hired an attorney, but am looking for more opinions. Do I have any rights to the property after the 180 day redemption period? I am willing to handle all monetary matters in full. My attorney has told me that the HOA and 3rd party buyer has broken no law. The attorney is still researching loopholes.
I travel +90% of the time, and let large stacks of mail pile up for months at a time. Someone can by my property, I lose all equity, I have to continue to pay the 15 years of mortage for nothing - even though outside the redemption period, I am willing to settle all matters in full?