Thanks for the question.
Under Texas law, as you are still in your home, then to be able to repossess your unit, the lender must follow 4 rules:
1. After default your lender sends you a Notice of Intent to Accelerate giving you thirty (30) days to cure the debt and any other additional fees;
2. If you fail to cure debt within the thirty (30) day period, the lender will mail a Notice of Acceleration to Debtor;
3. After the acceleration letter, the lender can file a lawsuit in District Court seeking a judgment for the past due payments and possession of the home,
4. If yoiu fails to answer the lawsuit, then lender may obtain a default judgment and proceed with the application for a writ of possession if you are still living ion the home and they will have the sheriff evict you.
It sounds as though you have been given the legal notice as required in Rule 1. You of course can contact the lender and ask if they will agree to accept payment of the arrears and reinstate the loan. However, they are not legally obligated to do that unless you are in the 30 day period after receiving the letter.
Once the 30 day period is up, then rule number 2 comes into play, and the acceleration of the loan takes effect and you can be forced to pay the entire loan in order to keep your mobile home.
Responding by letter is the worst thing that you could do. You need to call them, talk with them, and if possible reach an agreement where you can keep your home.
If no agreement is made, then you can expect that the lender will file suit seeking past due payments in addition to the right to take possession of the mobile home.
So, your best chance of keeping your home is to call the lender and try to work out a deal. Almost certainly, at a minimum, you will have to pay all arrears and costs of repossession that they have incurred to date in order for them to agree to reinstate your loan.
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