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Mortgage Default Enforcement

We have extensive experience representing financial institutions, mortgage and loan servicing companies, investors, and commercial landlords in foreclosures, evictions, prosecution and defense of creditor claims, and in bankruptcy. Our years of experience handling foreclosures and forcible detainer actions, together with our commitment to create cost efficient and reliable streamlined processes and safeguards, enables us to provide the highest standards of quality while minimizing the costs to our clients.

We do not represent individuals that are being foreclosed out of their residence.


Our attorneys assist financial institutions, mortgage loan servicers and investors to achieve the best, high-end result. Services include assisting with mortgage enforcement, workout options, loss mitigation, forbearance, refinance, reinstatement, payoff, short sale, deed in lieu of foreclosure, non-judicial foreclosure, judicial foreclosures of home equity loans, deceased mortgagor foreclosures, and eviction proceedings.

Our attorneys are trained in borrower/lender communications, which includes conversations with lenders, investors and servicers to achieve the best result in the business interests of our clients. Our Attorneys are experienced in defending temporary restraining orders and injunctions to impede the foreclosure process, including but not limited to responses to the following claims:

  • Soldiers’ and Sailors’ Civil Relief Act (SCRA);

  • Fair Debt Collection Practices Act (FCDPA);

  • Consumer Financial Protection Bureau (CFPB);

  • Real Estate Settlement Procedures Act (RESPA); and

  • Home Affordable Modification Program (HAMP).

We work directly with financial institutions, mortgage loan servicers and investors to ensure that an account in default is returned to a performing asset in a quick and timely manner.


At Riney Packard, PLLC, our attorneys assist financial institutions, mortgage loan servicers and investors to process and prosecute complaints for forcible detainer to quickly remove foreclosed mortgagors and tenants so our clients can quickly process the asset to houses-held and remarket the property for assets located throughout the state of Texas. Our attorneys are experienced and dedicated to keeping eviction hearings solely limited to the issue at hand – that is, right to possession.

Our attorneys quickly prepare and file complaints for forcible detainers, seek hearings and judgments, when necessary, obtain Writs of Possession and coordinate between client personnel and appropriate state officials in completing a forcible detainer action to assist client personnel with securing the asset.


Riney Packard, PLLC’s bankruptcy attorneys have a long history of representing financial institutions, loan servicers and investors in Texas bankruptcy courts. Our attorneys have represented numerous entities with restructuring loans, termination of automatic stay, proofs of claim, objections to chapter 13 plan confirmations and other creditor related activities, including adversary cases, federal cases involving fraudulent transfers and breach of fiduciary duty.

Our attorneys liaise with client personnel to obtain the best result for parties involved. Through our experience, we will help your assets return to positive performance.


Our attorneys assist lenders, loan servicers and investors maintain their lien priority interest, including prevention of superior lien foreclosure, negotiation of payoff amounts and, if necessary, redemption for assets lost as a result of a superior lien foreclosure, as well as application to courts for recovery of excess sale proceeds to offset charges incurred in relation to a lost asset.

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