A clear roof over your head starts with a clear case.

Four steps. You can stop at any of them and hand the file to a lawyer.

Most people only know they are in trouble because a letter arrived. So that is where Techoclaro starts.

1. 1

   Bring your papers

   Photograph the notice, the deed of trust, your payment history. We tell you what each one is.

2. 2

   We read them, line by line

   Each fact we use is pinned to a page and a marked spot on your own document, so you can check it yourself.

3. 3

   See the law behind every date

   Deadlines, defects and the statute for each — with the strongest argument the other side would make, too.

4. 4

   Act — or hand it over

   Send a notice of error, ask for a payoff, request a postponement, or export the whole file for legal aid.

The law is on paper. Here it is in plain words.

Every right a homeowner has in foreclosure, tax sales, HOA liens and debt — with the exact law and the court cases behind it, and Techy to answer your questions from that library only.

• The Constitution

  Notice and a fair chance to be heard before the government takes property, and your equity above a tax debt.

• Federal law

  What servicers, debt collectors and new owners must do — in every state.

• Your state

  Your state's notices, time to catch up and homestead protections.

Free tells you the truth. Paid does the work with you.

The free plan never runs out and never asks for a card. The paid plans are for people who want the papers written, the dates managed, and a helper in the loop — or who want to stay protected long before any letter ever arrives.

1. Free forever
   Free · Understand
   $0forever
   No card. No trial. No catch.
   • Upload every letter you've received — recognized automatically, no typing
   • Your real deadlines on a timeline, the statute one tap away
   • Findings in plain words: what looks wrong, why it matters, the lender's strongest counter-argument, an honest confidence level
   • Warnings about arguments that don't hold up in Texas courts
   • The two time-critical letters: RESPA Notice of Error / Request for Information, and debt validation
   • Everything in English or Spanish
   • Free help near you: legal aid and HUD counselors
   • 1 matter, 1 person
   Start free
2. Silver · Organize
   $49.99/ month

   You've seen the truth — now you need the papers written, the dates managed, and a helper in the loop.

   • Full document library, clause-level citations (PDF + DOCX)
   • Case map + the eight-question protocol
   • Reminders: email, text, push, quiet hours, calendar file
   • Communications log with next steps
   • 2 matters, 2 seats
   Start free — paid plans open soon
3. Most chosen for active cases
   Gold · Strategize
   $99.99/ month

   You're going to fight, negotiate, or hand this to a lawyer — you want the strongest position and a plan you can see.

   • What-if strategy simulator
   • 28-tool lawful toolkit, guided
   • Attorney-ready case package + warm handoff
   • Hearing rehearsal + courtroom sheet
   • Before-you-sign refinance / HELOC review
   • Unlimited matters, 5 seats
   Start free — paid plans open soon
4. Platinum · Guided
   $149.99/ month

   You want someone to walk it with you.

   • Named case navigator, scheduled sessions
   • Completeness review before you send anything
   • E-filing assistance
   • 10 seats, family plan
   • 7-day priority support
   • First access to new states & the bankruptcy module
   Start free — paid plans open soon

A Texas foreclosure-defense retainer commonly runs $1,500–$5,000 before anything is even filed. A HUD counselor is free but hard to book. Every paid Techoclaro plan costs less per month than one hour of attorney time — and it makes that hour count.

Choose your state

Foreclosure law is different in every state. Pick yours and Techoclaro shows the rules we have researched for it — each with its source and how sure we are — and remembers your choice on this device.

How we keep this honest

1. 1Every legal fact we show you is checked against the real text of a statute, rule, or court decision we store — not a summary written from memory.
2. 2If something can't be verified against real law or your own documents, we say so plainly instead of guessing.
3. 3Every finding shows the lender's strongest counter-argument too, not just your side.
4. 4When an AI writes something, you'll see a label that tells you so.
5. 5We never promise an outcome, because no honest tool can.

Texas: the details

These facts come from the statute itself, not from us. Every point below is verified against the real text of Texas Property Code § 51.002.