Subject To in Texas

[SheenaMichael Dillon]

Hi there, 

In contact with a homeowner here that is $20,000 behind in payments. 

ARV: 290k (She had it appraised 2 years ago may have changed now)

Owes: 197k (167 on first mortgage, 30 on second) 

It is currently set to go to Bank Auction on Tuesday - her attorney has advised her to come to the courthouse and file bankruptcy (which she will withdraw later in the week) to get the proceedings on the house stopped for the moment. 

How can I make this a Subject To? 

Have info on her current interest rate etc as well... 

Current Condition of the home: Needs about 10k in work possibly