Regina Nachael Howell Foster v. MacKie Wolf Zientz & Mann, P.C.

Texas Court of Appeals, 2nd District (Fort Worth)·Decided July 30, 2026·No. 02-25-00512-CV·Published

Opinion

In the

Court of Appeals

Second Appellate District of Texas at Fort Worth

No. 02-25-00512-CV

REGINA NACHAEL HOWELL FOSTER, Appellant V.

MACKIE WOLF ZIENTZ & MANN, P.C., Appellee

On Appeal from the 48th District Court Tarrant County, Texas

Trial Court No. 048-317495-20

Before Birdwell, Bassel, and Womack, JJ.

Memorandum Opinion by Justice Birdwell

MEMORANDUM OPINION

This is yet another chapter in the saga of litigation stemming from the foreclosure of Appellant Regina Nachael Howell Foster’s homestead. 1 Several years ago, we addressed and rejected Foster’s assertion that Texas Property Code Section 51.002(d) entitled her to pre-foreclosure notice of her husband’s default on the promissory note underlying the foreclosed-upon homestead lien. Ocwen, 2021 WL 4783151, at *6–9. Nonetheless, Foster continued to insist that she was entitled to Section 51.002(d) notice, and based on that premise, she sought to recover from the law firm that represented the loan servicer during the foreclosure

1 See Foster v. Info Tree Invs. & Mgmt., LLC, No. 02-22-00253-CV, 2023 WL 1859884, at *1 (Tex. App.—Fort Worth Feb. 9, 2023, no pet.) (per curiam) (mem. op.) (dismissing appeal); Foster v. Ocwen Loan Servicing, LLC, No. 02-20-00224-CV, 2021 WL 4783151, at *1–10 (Tex. App.—Fort Worth Oct. 14, 2021, pet. denied) (mem. op.) (affirming summary judgment in favor of lender and loan servicer); Foster v. Info Tree Invs. & Mgmt., LLC, No. 02-21-00116-CV, 2021 WL 2753545, at *1 (Tex. App.—Fort Worth July 1, 2021, pet. denied) (mem. op.) (dismissing Foster’s appeal from eviction judgment); Foster v. Mackie Wolf Zientz & Mann, P.C., No. 02-20-00294-CV, 2021 WL 1134452, at *1–8 (Tex. App.—Fort Worth Mar. 25, 2021, no pet.) (mem. op.) (reversing no-evidence summary judgment rendered against Foster); Foster v. Infotree Invs. & Mgmt., LLC, No. 07-20-00031-CV, 2021 WL 298446, at *1–4 (Tex. App.—Amarillo Jan. 28, 2021, pet. denied) (mem. op.) (affirming summary judgment in favor of new property owner); In re Foster, No. 02-20-00257-CV, 2020 WL 5047505, at *1 (Tex. App.—Fort Worth Aug. 27, 2020, orig. proceeding) (per curiam) (mem. op.) (denying Foster’s petition for mandamus relief in suit against new property owner); In re Foster, No. 07-20-00190-CV, 2020 WL 4577717, at *1–2 (Tex. App.—Amarillo Aug. 7, 2020, orig. proceeding) (per curiam) (mem. op.) (dismissing mandamus petition in suit against new property owner); see also Foster v. Deutsche Bank Nat’l Tr. Co., 848 F.3d 403, 404–07 (5th Cir. 2017) (affirming summary judgment in favor of lender and loan servicer).

process: Appellee Mackie Wolf Zientz & Mann, P.C. (the Law Firm). When the Law Firm pointed out that Foster was collaterally estopped from relitigating the notice issue, the trial court implicitly agreed and granted the Law Firm’s motion for traditional summary judgment.

But the trial court granted summary judgment without specifying a basis for its ruling, and collateral estoppel was not the only ground advanced in the Law Firm’s summary-judgment motion. Despite this, Foster focuses her appeal on the well-worn notice issue, arguing that the trial court erred by rejecting five of her causes of action because, in essence, she was entitled to Section 51.002(d) notice.

Because Foster does not challenge all of the grounds supporting the summary judgment on three of her five appealed claims, and because she is collaterally estopped from relitigating the notice issue fundamental to her two remaining appealed claims, we will affirm.

I. Background

More than twenty years ago, Foster consented to her then-husband’s pledging their homestead as collateral for a mortgage refinancing loan. See id. at *1. Although both spouses signed the deed of trust, Foster did not sign the corresponding promissory note; her husband was the only obligor. So, when Foster’s husband defaulted on the note, the loan servicer—Ocwen Loan Servicing, LLC—sent the husband a notice of default and hired the Law Firm to handle the foreclosure. The

Law Firm sent both Foster and her husband notices of acceleration, and ultimately, it proceeded with the foreclosure sale.

Foster alleged that she was entitled to receive notice of her husband’s default under Section 51.002(d) of the Property Code,2 so she sued numerous parties involved in the foreclosure, including the Law Firm, Ocwen, and the lender. See id. at *2 & n.4; Mackie, 2021 WL 1134452, at *1. Her suit against the Law Firm was severed from that against Ocwen and the lender, and the latter two defendants obtained summary judgment in their favor. Ocwen, 2021 WL 4783151, at *2. When Foster appealed that judgment, we affirmed it, and we directly addressed the merits of her argument that she was entitled to notice under Section 51.002(d). See generally id. at *1– 10. We held that, because Foster had not signed the note and was not obligated to repay it, she was not a “debtor in default” within the meaning of Section 51.002(d) of the Property Code, so she was not statutorily entitled to notice of default. Id. at *6–9; see Tex. Prop. Code § 51.002(d) (requiring the mortgage servicer to serve “a debtor in default under a deed of trust or other contract lien on real property used as the debtor’s residence with written notice . . . [of] default” and to provide at least 20 days to cure before giving notice of sale).

2 According to Foster, because she was entitled to Section 51.002(d) notice of default, the failure to provide such notice rendered the subsequent notices of acceleration and sale defective.

Nonetheless, Foster continued to pursue her suit against the Law Firm based on the same notice-related argument. While “[w]e struggle to interpret [her] pleadings and the contours of her claims,” Mackie, 2021 WL 1134452, at *1, from what we can gather, she pleaded that the Law Firm had, among other things, 3

• violated Property Code Section 51.002(d) by failing to send her notice of default and thereby deprived her of her constitutionally protected homestead without the statutorily required due process;

• violated the Texas Civil Practice and Remedies Code by “filing [the] deceptive and misleading Foreclosure Sale Deed” in the property records when it knew she had not received Section 51.002(d) notice;

• violated the Texas Deceptive Trade Practices Act (DTPA) by, among other things,4 sending a notice of acceleration without first sending a Section 51.002(d) notice of default and filing a “misleading and deceptive Foreclosure Sale Deed” that misrepresented the Section 51.002(d) notice requirements;

• committed statutory theft by using a “false,” “misleading,” and “deceptive”

foreclosure deed to unlawfully appropriate her homestead; and

3 Foster’s pleadings contained a wide variety of allegations, and it is unclear which statements she intended as purported causes of action, which she intended to distinguish her claims against the Law Firm from those against Ocwen so as to avoid the Law Firm’s attorney-immunity defense, and which she intended for some other purpose. Regardless, even for causes of action unambiguously asserted in Foster’s pleadings, she does not appeal the judgment as to all such claims. Rather, she repeatedly identifies her appealed claims as those that alleged “violation[s] of . . . statutorily imposed duties under the Texas Debt Collection Practices Act, the Texas Property Code, and . . . theft of real estate by false and misleading statements.” We construe Foster’s pleadings and appeal in light of this characterization, limiting our discussion accordingly.

4 Foster also alleged that the Law Firm had failed to timely respond to her correspondence regarding the homestead lien.

• breached its “duty of absolute impartiality and fairness” as the foreclosure trustee by “fail[ing] and refus[ing] to comply with the notice mandates of [Property Code Section] 51.002(d)” and by filing a foreclosure deed when it knew that Foster had not been given Section 51.002(d) notice.

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Regina Nachael Howell Foster v. MacKie Wolf Zientz & Mann, P.C., (Tex. Ct. App. 2026).

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