Memphis · Shelby County · TN
Stop Foreclosure in Memphis, Tennessee
Behind on payments or already have a sale date? You can still sell.
We buy houses directly from homeowners in Memphis and Shelby County — as-is, on a closing date that works for you, with no agent commission on our purchase. If selling isn't your best move, we'll say so and walk you through what is.
- Cash offer, no obligation
- No fees or commissions
- Close on your date
- Any condition
No fees · No pressure · Talk directly to Jeff Campbell, founder
What's actually left after the dust settles?
The timeline tells you when. This tells you what's left. Put in your real numbers and you'll see what a cash sale nets you, what a traditional listing nets you after commission and repairs and three more mortgage payments, and what you walk away with if the house sells on the Memphis courthouse steps. Nothing gets saved and nothing gets sent anywhere.
Your honest guess is fine. Look at what similar houses on your street actually closed for, not what they were listed for.
The full amount owed on the mortgage. Ask your servicer for a written payoff quote — it's not the same as your reinstatement amount.
Everything you're behind, plus attorney, trustee, and publication fees the lender has added.
Roof, HVAC, foundation, deferred maintenance. If you're not sure, most tired houses land between $15k and $40k.
Used to estimate what it costs to carry the house while a listing sits on the market.
Anything else recorded against the property that has to be paid at closing. Leave at 0 if none.
Value and payoff are the only two we truly need.
You talk to the owner
Jeff Campbell answers — no call center, no script.
Local to Arkansas & Tennessee
We know Memphis and the courthouse that handles it.
Your info stays private
We don't sell or share your details with lead buyers.
No fees charged to you
No commissions, no repairs, no closing costs on our side.
Closings timed to your deadline
We work around your sale date, not the other way around.
You probably think this is just another investor trying to lowball you.
You're tired of the letters in the mailbox. You're tired of the calls. You're not sure who to trust — and honestly, you shouldn't be. Memphis has been picked over by out-of-town flippers and fast-talkers for decades, and plenty of them made promises they never kept.
We're not going to pretend a cash offer is the right answer for everybody. Sometimes the right move is a call to your servicer, sometimes it's an agent, sometimes it's an attorney. If that's your situation, we'll tell you. If a private sale really is the cleanest way out for you, we'll give you a real number and the time to think about it.
Have a sale date on your Memphis home?
Every week matters once the notice is recorded. A short call tells you exactly where you stand — no cost, no obligation.
We know Memphis. Not from a spreadsheet — from the streets.
Memphis isn't Nashville. Nashville is polish, growth, and tourism dollars. Memphis is grit, soul, and generational roots. This is the city of Stax, Sun Studio, Beale Street, Graceland, the National Civil Rights Museum, and barbecue people drive across state lines for. The houses here carry that same weight — they aren't transactions, they're family.
We've worked deals on the brick ranch in Whitehaven (38116, 38109), the Craftsman in Cooper-Young (38104), the family two-story in Frayser (38127), the suburban build in Cordova (38016, 38018), and the bungalow in Vollintine-Evergreen (38112). We know Midtown character — Cooper-Young, V&E, Central Gardens, Evergreen — runs different than the backbone neighborhoods like North Memphis, South Memphis, Hickory Hill, Orange Mound, and Binghampton, and that East Memphis suburbs — Bartlett, Germantown (38138, 38139), Collierville, Arlington, Lakeland — run different from both.
Downtown lofts in the South Main Arts District, condos in Harbor Town, infill in Uptown — we've looked at all of it. The point isn't to brag. The point is: when we make you an offer, it's grounded in what your specific block in your specific ZIP actually trades for, not a national 800-number guess.
The Memphis foreclosure timeline, in plain English
We're not telling you this to scare you. We're telling you because most people in Memphis don't find out how fast Tennessee actually moves until it's already moving. Here's the real path from a missed payment to the courthouse steps.
- 1
You fall behind
Late fees start, then the calls and the letters. Nothing has been filed yet, and this is the cheapest point at which to fix it. Ask your servicer for loss mitigation in writing and keep copies of everything.
- 2
Federal servicing rules apply first
Federal mortgage servicing rules limit how early a servicer can start a foreclosure and require them to consider a complete loss mitigation application. That's a real window — use it on modifications, repayment plans, or deciding whether to sell on your own terms.
- 3
Formal notices arrive
You'll get letters with deadlines in them, and the loan is typically referred to a substitute trustee. Certified mail is where the legal dates live. Open it the day it arrives.
- 4
The sale is advertised
Tennessee generally requires notice of the trustee's sale to be published in a newspaper of general circulation in the county, with mailed notice to the borrower. Your notice names the trustee, the publication, and the sale date.
- 5
Sale day
The trustee, not the sheriff, conducts the sale at the location, date, and time in the published notice — normally the courthouse in downtown Memphis for Shelby County property.
- 6
After the sale
Possession, any remaining balance, and any right to redeem depend on the type of sale and your documents. Those are attorney questions, and they're worth asking before a sale rather than after.
Important: this is general information, not legal advice, and we're not attorneys. Tennessee's trustee sale rules live in Tenn. Code Ann. Title 35, Chapter 5. If you've received a notice, read it closely and consider talking to a Tennessee attorney or a HUD-approved housing counselor.
Why Memphis homeowners sell before the auction date
It feels like the difference between being pushed and choosing to step. Three reasons come up over and over again from sellers we've worked with in Shelby County:
The unpaid balance angle
If a foreclosure sale doesn't cover what's owed, a lender may in some circumstances pursue the difference. A sale that pays the loan off before that point removes the question. Ask an attorney how it applies to your loan.
The credit angle
A completed foreclosure and a normal mortgage payoff read very differently on a credit report, and lenders and landlords treat them differently later. We can't promise a specific score outcome, but the two are not the same event.
The dignity angle
Leaving on a date you chose, with time to pack the way you want, is not the same as leaving on someone else's schedule. We've seen both. We'd rather help you do the first one.
Your real options when foreclosure is on the line
We'll be honest about which one fits your situation — even when the answer isn't us.
Save the house
Call your servicer's loss mitigation department directly. Ask about reinstatement, repayment plans, forbearance, or a modification. If you have steady income and just hit a rough stretch, this is usually the cleanest outcome — and we'll tell you so.
List with a Memphis Realtor
If there's equity and enough runway before a sale date, the Memphis open market — Cooper-Young, Central Gardens, Germantown, Cordova, Bartlett — usually nets the most money. We can point you toward local agents who handle pre-foreclosure listings.
Sell directly
If certainty and timing matter more than the last dollar, selling directly means a set closing date, no repairs, no showings, and no agent commission on our purchase. Whether it nets you more than listing depends on your numbers, and we'll walk through them with you.
What we don't do
You've probably had someone else do all of these things to you. We're not them.
- We don't pressure. If you need a week to think, take a week.
- We don't show up unannounced or knock on doors in Whitehaven, Frayser, or anywhere else.
- We don't ask you to sign anything you haven't read — or had a third party look at.
- We don't pretend a fair price is a favor. A real number is a real number.
- We don't run a call center. When you call, you talk to Jeff. That's it.
A few honest questions before you decide anything
How would you like this to end?
What would feel like a fair outcome for you and your family?
Would a 10-minute, no-pressure conversation be unreasonable right now?
Memphis foreclosure FAQ
Can I sell my house if I'm in foreclosure in Tennessee?+
In most cases, yes. Until a foreclosure sale actually happens, you still own the home and you generally still have the right to sell it. A lot of Memphis homeowners assume the bank already took the house the moment the first scary letter showed up. Usually it hasn't. If a sale date is close, timing gets tight, so check your notice and move quickly.
How fast can a foreclosure happen in Tennessee?+
Faster than most people expect, because Tennessee foreclosures are typically non-judicial and don't require a lawsuit. Beyond that, the honest answer is that it varies with the loan documents, the servicer, the notices already sent, and your circumstances. Federal mortgage servicing rules also limit how early a servicer can start. Read the dates on your paperwork.
What happens if my house sells for less than I owe?+
Depending on the loan and the circumstances, a lender may be able to pursue the remaining balance after a foreclosure sale. Whether that applies to you, and what limits or deadlines exist, is a legal question. Ask a Tennessee attorney before assuming either way.
Where do Shelby County foreclosure sales happen?+
Trustee's sales for Shelby County property are normally held at the courthouse in downtown Memphis, at the place and time named in the published notice. The trustee, usually a law firm hired by the lender, runs the sale. Delinquent tax sales are handled separately and follow different rules.
Where are Memphis foreclosure notices published?+
Tennessee generally requires notice of a trustee's sale to be published in a newspaper of general circulation in the county, along with mailed notice to the borrower. Your notice names the publication and the sale details. If certified mail has arrived, don't leave it unopened.
Is there a redemption period after a sale in Memphis?+
It depends on the type of sale and your loan documents. Mortgage foreclosure sales and delinquent property tax sales are treated differently in Tennessee. Talk to a Tennessee attorney about your situation before you assume the house is gone, or that you have more time than you do.
What if my home has been in the family for generations?+
We hear this in Memphis more than anywhere else. A lot of these houses have been in the same family since the 60s or 70s. There's no number on a check that replaces that, and we won't pretend otherwise. What we can do is give you a real number and the time to decide.
Do I have to be in Memphis to sell to Titan Property Investors?+
No. We're based in Heber Springs, Arkansas, and we close Shelby County purchases through local title companies and real estate attorneys. You can sign at a Memphis-area title office or remotely with a notary. Out-of-state heirs handling a property remotely are a normal part of what we do.
En Español
Preguntas frecuentes sobre ejecuciones hipotecarias en Memphis
Si está atrasado con los pagos de su casa en Memphis o en cualquier parte del Condado de Shelby, hay una manera privada de resolver esto. Sin letrero en el patio. Sin aviso en el periódico si actuamos a tiempo. Sin honorarios. Hablamos español — llame o envíe un mensaje al 501-602-6825.
¿Puedo vender mi casa si ya empezó la ejecución hipotecaria en Tennessee?+
Sí. Hasta que el martillo caiga en la subasta del tribunal del Condado de Shelby, usted sigue siendo el dueño y todavía tiene derecho a vender. Mucha gente en Memphis cree que el banco ya se quedó con la casa el día que llegó la carta del "Substitute Trustee". No es así. Mientras la escritura no se haya transferido, usted puede vender — a un comprador en efectivo, con un agente, o trabajar algo con el prestamista.
¿Qué tan rápido puede pasar todo en Tennessee?+
Más rápido que en casi cualquier otro estado. Tennessee es no judicial — el prestamista no lo lleva a corte, simplemente usa la cláusula de "power of sale" que ya está en su escritura. Del primer pago atrasado hasta la subasta suelen pasar de 4 a 6 meses. Una vez que el "Substitute Trustee's Notice of Sale" empieza a publicarse en el periódico, la fecha de subasta queda fijada — normalmente 20 a 40 días después.
¿Mis vecinos o mi familia se van a enterar?+
Si llega a subasta, casi seguro que sí. El Aviso de Venta del Substitute Trustee se publica en Memphis Daily News durante tres semanas seguidas con su nombre y su dirección, y queda en los registros del tribunal y en línea — buscable para siempre. Si cerramos antes de que empiece esa publicación, nada de eso ocurre. Sin letrero, sin casa abierta, sin aviso en el periódico.
¿Cuánto cuesta hablar con ustedes?+
Nada. No cobramos honorarios, no pedimos comisión, no hay costos de cierre que usted pague de su bolsillo. Si decidimos comprar la casa, le hacemos una oferta justa en efectivo y nosotros pagamos el cierre. Si decide que no es lo mejor para usted, no debe nada. Una llamada — eso es todo.
¿En Tennessee puedo recuperar la casa después de la subasta?+
En la mayoría de los casos no. Tennessee permite renunciar al derecho de redención — y la mayoría de las escrituras de fideicomiso ("deeds of trust") ya incluyen esa renuncia. Eso significa que una vez que el martillo cae, se acabó. Por eso es tan importante actuar antes de la subasta — después casi no quedan opciones.
¿Tengo que tener papeles para vender la casa?+
Para vender una casa que está a su nombre, necesita una identificación válida que la compañía de título acepte. Eso puede ser una licencia, un pasaporte de cualquier país, una matrícula consular, o una identificación estatal. La compañía de título maneja la verificación al cierre. Su estatus migratorio no es asunto nuestro y no cambia su derecho a vender la propiedad que es suya.
¿Tengo que estar en Memphis para hablar con ustedes?+
No. Trabajamos en todo el Condado de Shelby y todo Tennessee. Cerramos a través de compañías de título locales en Memphis y alrededores. Puede firmar localmente o de forma remota con un notario, y los fondos llegan a su cuenta el día del cierre — incluso si una mudanza ya lo llevó fuera del estado.
Tres preguntas honestas antes de decidir
- ¿Cómo le gustaría que se vieran los próximos treinta días?
- ¿Qué resultado le parecería justo — para usted y para su familia?
- ¿Sería mucho pedir una llamada privada de diez minutos, antes de que se publique el Aviso de Venta?
Si la respuesta es sí — llámenos o envíe un mensaje de texto. Lo que se sienta con menos presión.
Want a straight answer about your options?
Send us the address and where things stand. We'll tell you what we see — even if the right move has nothing to do with selling to us.
Talk to Jeff about your Memphis property
Real estate investor active in Central Arkansas and West Tennessee. Familiar with Shelby County foreclosure procedures. We buy with our own funds, so purchases don't depend on bank approval, and we can work toward a closing date that fits your situation.
This house has held a lot of life. Whatever you decide, we hope the next chapter brings you peace.
Real homeowners. Real closings.
These are verified Google reviews from people who sold a house to Titan Property Investors. Read the rest on Google.
"I live out of state and my mother had passed away very unexpectedly and I had her house to handle. Mr. Campbell and his team made it easy. Honestly the best possible experience and not an easy case to deal with either. Very impressed and thankful."
"I had a rental property left in bad condition. I was in the middle of cancer treatment and just didn't have the time to mess with all the repairs. Jeff handled everything. It was such a relief."
"The process of selling my rental property to Titan was very easy. Working with Jeff and his team was professional, and the closing process was within 30 days. Would recommend this company for selling your property as is."
"I wasn't sure what to expect, but all of my concerns were put to rest after meeting Jeff and sharing my story with him. Jeff was so kind, very professional and compassionate with me and my situation."
"Everyone at Titan was super kind and very easy to work with. I live out of state and just wanted to get the best price quickly for my property. They were professional, courteous, and very knowledgeable. The process was so easy."
"The service was exceptional. Throughout the experience, I felt valued as a customer. Each company representative was responsive, thorough, transparent, and patient."
Keep reading
Your file sits with the Shelby County circuit clerk, and the deadlines below are the ones that actually decide what happens next. If you want the full step-by-step on how pre-foreclosure works and what your options are, start there — it walks the whole timeline from first missed payment to the auction.
Already have a sale date? Skip the reading and send us your address on the form below — Jeff will tell you where you stand in Memphis and what you can still do about it.
Related guides and nearby help
Foreclosure law is the same across Tennessee, but your filings, publication, and sale date are handled locally. These pages go deeper on both.
- Foreclosure help in TennesseeHow Tennessee trustee sales generally work, the options homeowners have, and who to call before a sale date.
- Foreclosure help in Nashville, TNDavidson County filings, sale procedure, and private-offer options for Nashville homeowners.
- Can I sell my house in foreclosure?You generally still own the home until a sale happens. How selling pays the lender and what the timing looks like.
- For investors and agentsHow we source, underwrite, and close pre-foreclosure deals in Tennessee and Arkansas.
Talk to Jeff directly
No call center, no fees, and nothing shared with lead buyers.
501-602-6825Free foreclosure review