If you have a Texas home equity loan that JPMorgan Chase, Nationstar, or Bank of America modified to include interest-only payments or a balloon payment, you may already be protected by a pending class action. Your statute of limitations is the one for all class members, which relates back to the date the various class actions were filed. The class actions were filed in 2012 and 2013, protecting class members back to 2008 and 2009.

Don't assume your claim is too late if you fit within one of the class actions I have filed. Call me to discuss, and include your loan modification.