Texas is a non-judicial state. While some second liens and home equity lines of credit are foreclosed there judicially, almost all 1st lien foreclosures in Texas are non-judicial.
An exception exists in the case where the borrower is deceased and an administration is opened. This has been discussed in another thread.
The most effective defensive strategy in most non-judicial foreclosure states is usually in Bankruptcy Court. Whether this is a viable alternative is dependent upon a variety of other facts as to your personal situation.
You should immediately find a Texas attorney who specializes in consumer debt and bankruptcy.
If you decide to defend pro se, the loss of your property is almost certainly assured. Besides Mr. ROPER, the only other person who has been a regular Forum participant who has achieve a measure of success in Texas was Ed CAGE. He had some servicing problems, but was never in default. Mr. ROPER has been involved in a foreclosure in a probate setting.
Longstanding MS Fraud participant Nye Lavelle (who rarely participates anymore) tried to defend his parent's home from foreclosure in Texas, but LOST. The site administrator Jack WRIGHT is also from Texas. He lost his home some time ago. Alina is from Texas, but litigated in respect of a Florida property.
Participant "Texas" is also from Texas, but no longer posts. Texas is indigent, has lost even his Internet connection. Several that he has assisted are on their second or third appeals and these are probably frivolous.
Criminal swindler Mike H. is a disreputable person from Florida who may try to contact you to offer to assist FOR PAY. Mike H. will take your money and probably even prepare some bankruptcy petitions and motions for you, but will be out drinking on your money and toasting your foolishness in Tampa when you find yourself homeless, as he has done with countless others.
Everyone I know of at MSFraud from Texas who has defended has lost their homes EXCEPT FOR Mr. ROPER and Ed CAGE. GET A LAWYER!!