In the world of Texas real estate, oil & gas, and pipeline ownership, disputes often blend contract obligations  with lien rights  and foreclosure actions . But what happens when one party uses foreclosure to force payment — while the other claims the real fight is really a breach of contract ? The Texas Supreme Court recently answered that question in Steelhead Midstream Partners, LLC v. CL III Funding Holding Company, LLC , and the ruling has major implications for joint ve

Have you ever wondered why foreclosing on a home equity loan isn’t exactly the same as a standard mortgage? Or why reverse mortgages follow their own set of rules? In Texas, the process is guided by Rules 735 and 736 of the Texas Rules of Civil Procedure , which were created specifically for these types of loans. Let’s break it down so it makes sense. Why Texas Needed Special Rules Foreclosures can be complex, but home equity loans and reverse mortgages have unique protection

“I’ve paid premiums for years… but why is my insurance dragging its feet?” To understand why delays happen — and how the law actually protects homeowners — you don’t need theory. You need a real case that exposed what happens behind the scenes. One of the most important cases in recent Texas history is Barbara Technologies Corp. v. State Farm Lloyds , decided by the Texas Supreme Court in 2019. This ruling changed the landscape for how insurers handle claims and how much powe

Imagine this: a homeowner in Houston or Dallas, with no recent claims, opens their renewal notice — and their premium jumped by 15% or more. They’re furious, but also bewildered. Why is this happening when nothing catastrophic hit their property? The real answer lies not just in weather or inflation, but in lobbyists , legislative influence , and a system built to favor the insurance industry. The Quiet Power Move: Lobbying Behind Closed Doors Insurance companies don’t just

Have you ever noticed how your home insurance bill keeps climbing… even if you’ve never filed a claim?Most homeowners think it’s just storms, inflation, or “the market.” But there’s a deeper layer to the story — one that rarely gets talked about. Behind the scenes, insurance companies are shaping the laws that decide how much they can charge you  and how little they’re required to cover. The moves look subtle on paper, but the impact hits your wallet directly. Let’s break thi

Foreclosure is a stressful experience, but understanding your legal rights can be the first step to protecting your home and your...

🔊 The Sound of a Silent Crisis They call it Super Tuesday. In most of Texas, that means politics or polling places. But for tens of...

By Jonah Wilson | National Overages Finders Alliance (NOFA) "Business Is Service." If you're behind on your mortgage—or know someone who...

By Jonah Wilson | National Overages Finders Alliance (NOFA) “Business Is Service.” If you've ever wondered where your money goes after a...

Heirs, Justice, and the Unclaimed Legacy: What Excess Funds Really Mean. By Jonah Wilson | National Overages Finders Alliance In Texas...

When a family member passes away—especially a parent—the emotional toll is heavy. The grief, the medical bills, the decisions, and often,...

By Jonah Wilson | Foreclosure Consultant | Overages.US Let’s break down a powerful legal weapon most Texans don’t even realize they have—...

In the nuanced world of Texas tax foreclosure law , a recent historical disciplinary case highlights a costly mistake  that all...

🧾 Step-by-Step Distribution Process ✅ 1. Funds Held in Court Registry Under §34.03(a) :After the tax sale, any excess proceeds  are paid...

By Jonah Wilson – Foreclosure Consultant | Overages.US Imagine owning a rental property that sits vacant—not because you can’t find a...

When it comes to recovering excess proceeds or protecting family assets, understanding the basics of probate law, wills, and trusts is...

When homeowners face foreclosure, most assume they are left with nothing after the bank takes the property. However, what many don’t...

In the world of foreclosures and overages, patterns emerge like clockwork. Just as the ocean tides rise and fall, so too does the rhythm...

Want to earn a FREE $250 gift card or cash  in just 5 minutes ? Simply check the Dallas County Excess Proceeds List  for names you...

When it comes to taxation, wholesalers are taxed on their gross profit (markup), not the resale value of the home . This means that the...