How Much Time Do I Have After Receiving a Foreclosure Notice?

It depends which notice you received. A general delinquency letter isn't a deadline — it's a warning. A formal Notice of Default is more serious: Texas law gives you at least 20 days from that notice to bring your loan current before the lender can accelerate it.

The Hard Deadline: Notice of Sale

A Notice of Sale is the real deadline — Texas law requires it be posted at least 21 days before the sale, filed with the county clerk, and mailed to you. You don't even have to actually receive it; the lender only has to prove it was sent. By this point your options have narrowed considerably, but they haven't disappeared.

If you're holding a letter and aren't sure which category it falls into, don't guess — that single detail changes what's realistic for you right now.