Gianna MiceliFounder, Legal Fockery University · Follow Me To Freedom!

Challenge The Legality Of The Loan Offensively

13 Feb 2026 · 2 min

Watch on YouTube

1:31

In this YouTube conversation, Joe explains the mechanics of foreclosure in Texas, noting that borrowers receive notices of default (NODs) on days 31, 61, and 91 after missed payments, and that trustee sales occur on the second Tuesday of each month without requiring the original note for an administrative foreclosure. He contrasts this with Nevada, where fraud can also trigger administrative foreclosures, emphasizing the need to adopt an offensive rather than defensive stance when contesting a loan. Gianna Miceli adds that they do not advise individuals to tackle this alone; instead, they offer a forensic mortgage audit class and a master paralegal service that prepares offensive legal documents for borrowers to sign, putting them in control of the challenge.

Chapters

Now, when you stop paying, and let's say that you're in Texas, all right, that means that after 30 days, on day 31, you are going to receive what's called a N or a notice of default, an nod. And it's actually a notice of default. And election to sell under a deed of trust is the actual name of the instrument. And you're going to receive one at day 31, day 61, and day 91. And they're also going to do. Then in Texas, the second Tuesday of every month, they do a trustee sale. And they do not need your note to foreclose in an administrative state. All right? Understand that. So if you're in Nevada, like, oh, well, you know what I found? Fraud, they can foreclose administratively. This is why you. You need to go on the offense and not defense. When you're on offense, okay, you're in charge. You're calling the shots. That's the biggest thing. Gianna is just figuring out every. Because everyone is very similar, but everyone is very different.
We don't recommend people take this on their own. If you're new. If you're new, we do have a forensic mortgage audit class, and Joe has been with us for a couple of years. And in that class, you are introduced to our master paralegal who has an amazing offensive service that he does. He'll do the documents for you. You get them and you sign them, and you are in control of your offense, unlike some other.