At the end of the civil war it was the carpet baggers coming to "help" the South.Our government is throwing money around ...and new laws around... which no one understands and the banks are changing management staff, as well as the rank and file instead of dealing with the problem systematically.

This same software was designed by the banks to use for themselves to help insure they do not violate TILA and RESPA laws.

First, your lease agreement is "out of date", therefore out of compliance with the law.

UPDATE: Called four law offices in this area.

There is a new law that went into effect as of September 1, 2008.

A great book on landlord laws is by the publisher Nolo.

When the law doesn't govern, street law and thugs with guns will.

Thats Florida Law for loaning a company money.

Then take out a full page ad in the Wall Street Journal detailing the date, time and exact location where this guy is going to be freed....and maybe assign law enforcement to a more pressing need that requires them to be looking elsewhere.

Are you well versed on Texas laws with lease options?