Pasadena, Texas Real Estate Lawyers

Linda Broocks
PREMIUM

Texas Real Estate Law Lawyer with 41 years experience

Linda Broocks is partner in the Houston office of Kean Miller. She joined the firm in 2017 and maintains an active practice in trials and appeals of complex commercial, securities, personal injury, employment and real... Read More »
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Cory W. Page
PREMIUM

Texas Real Estate Law Lawyer

Texas Tech University School of LawTexas
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Royce Lanning
PREMIUM

Texas Real Estate Law Attorney with 13 years experience

University of Hawai'i at Manoa William S. Richardson School of LawHawaii and Texas
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James H. Dupuis Jr.
PREMIUM

Texas Real Estate Law Attorney with 18 years experience

Jimmy Dupuis is a partner in Kean Miller’s office in The Woodlands, TX. He practices in the oil and gas, business and corporate, and real estate groups. He has extensive experience representing upstream energy... Read More »
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Brittany C Giddens-Burns
Claimed Lawyer Profile
Pasadena, TX Real Estate Law Attorney with 8 years experience
(713) 947-0001 3009 Strawberry Rd
Pasadena, TX 77502
Real Estate, Estate Planning, Personal Injury and Probate
Pasadena, TX Real Estate Law Lawyer with 25 years experience
(713) 472-7166 1710 Strawberry
Ste 100
Pasadena, TX 77502
Real Estate, Criminal, Estate Planning and Family
Texas Tech University School of Law
Pasadena, TX Real Estate Law Lawyer with 32 years experience
(713) 920-2888 514 Pasadena Blvd
Pasadena, TX 77506
Real Estate, Criminal and Personal Injury
Texas Southern University Thurgood Marshall School of Law
Pasadena, TX Real Estate Law Lawyer with 50 years experience
(713) 941-4100 3668 Burke Rd
Pasadena, TX 77504
Real Estate, Appeals, Bankruptcy and Criminal
University of Houston Law Center
Pasadena, TX Real Estate Law Attorney with 27 years experience
(281) 998-8450 4620 Fairmont Pkwy
Pasadena, TX 77504
Real Estate, Consumer and Estate Planning
South Texas College of Law
Pasadena, TX Real Estate Law Attorney with 6 years experience
(713) 947-0001 3009 Strawberry Rd
Pasadena, TX 77502
Real Estate, Business, Estate Planning and Personal Injury
Pasadena, TX Real Estate Law Attorney with 52 years experience
(281) 998-8450 4620 Fairmont Pkwy
Pasadena, TX 77504
Real Estate
South Texas College of Law
Pasadena, TX Real Estate Law Lawyer with 22 years experience
(281) 479-6900 7330 Spencer Hwy
Pasadena, TX 77505
Real Estate, Bankruptcy, Business and Consumer
University of Houston Law Center
Pasadena, TX Real Estate Law Lawyer with 13 years experience
(281) 487-8929 3115 Preston Ave
Ste F
Pasadena, TX 77505
Real Estate, Bankruptcy, Family and Personal Injury
Texas Tech University School of Law
Deer Park, TX Real Estate Law Lawyer with 16 years experience
(281) 925-6094 4440 Highway 225
Ste 180
Deer Park, TX 77503
Real Estate, Bankruptcy, Business and Construction
Texas Tech University School of Law
Judith A. Meyer
PREMIUM

Texas Real Estate Law Lawyer with 34 years experience

Judith Meyer is a partner in the Houston office of Kean Miller. She joined the firm in 2017 and focuses her practice on securities litigation, broker litigation, breach of contract matters, business disputes, mediation... Read More »
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Richard D. Weaver
PREMIUM

Texas Real Estate Law Attorney with 15 years experience

Board Certified attorney, certified by the Texas Board of Legal Specialization. Mr. Weaver has a focus on real estate law and complex business litigation, holding board certification in residential real estate law. He... Read More »
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Pasadena, TX Real Estate Law Lawyer with 40 years experience
(281) 924-5903 2612 Strawberry Rd
Pasadena, TX 77502
Real Estate, Business, Consumer and Elder
University of Houston Law Center
Pasadena, TX Real Estate Law Lawyer with 18 years experience
(832) 767-6446 4008 Vista Rd
Ste A101
Pasadena, TX 77504
Real Estate, Business, Estate Planning and Tax
South Texas College of Law
Pasadena, TX Real Estate Law Lawyer with 32 years experience
(713) 774-4747 4234 Winterborne Dr
Pasadena, TX 77505
Real Estate, Business, Energy and Estate Planning
South Texas College of Law
Pasadena, TX Real Estate Law Lawyer with 50 years experience
(281) 998-8880 3515 Preston Ave
Ste 101
Pasadena, TX 77505
Real Estate, Business, Consumer and Divorce
South Texas College of Law
Pasadena, TX Real Estate Law Lawyer with 18 years experience
(832) 767-6446 4008 Vista Rd
Ste A100
Pasadena, TX 77504
Real Estate, Bankruptcy, Business and Consumer
South Texas College of Law
Mark Oxford
Claimed Lawyer ProfileQ&ASocial Media
League City, TX Real Estate Law Attorney with 6 years experience
(888) 413-3964 PO Box 751
League City, TX 77058
Real Estate, Family, Foreclosure Defense and Immigration
Western Michigan University and Western Michigan University
Attorney Mark Oxford, founder of the Oxford Law Firm, is licensed to practice law in California, Texas and Minnesota. At the firm, our mission is to provide the highest quality legal representation to all of our clients. We handle all cases, no matter how small or large the business, corporation or legal problem. We offer our legal service in English, Arabic language and Russian language. Attorney Oxford, a former civilian employee of the United States Department of Defense, has J.D. degree in law with concentration on Administrative Law, an M.A. degree in National Security and Counter-Terrorism, and an LL.M.degree...
Charles Michael
Claimed Lawyer Profile
Houston, TX Real Estate Law Lawyer with 54 years experience
(281) 488-5500 16874 Royal Crest Dr
Houston, TX 77058
Real Estate, Divorce, Estate Planning and Family
I am Board Certified in Family Law by the Texas Board of Legal Specialization. I am a founding member of the Texas Board of Legal Specialization, Family Law section. I am a member of the College of the State Bar of Texas. I am a former member of the State Bar of Texas Grievance Committee. I was selected as one of the top family law attorneys in Houston, Texas in the 2007 edition of H Texas magazine. I have been in the private practice of law in Houston, Texas since 1965. I am a...
Don Sixta
Claimed Lawyer Profile
Friendswood, TX Real Estate Law Lawyer with 45 years experience
(281) 317-8666 117 E. Edgewood Drive
Friendswood, TX 77546
Real Estate, Arbitration & Mediation, Business and Divorce
Creighton University School of Law
Wide ranging experience of practicing law in different areas of law, including mediation, trials, appeals and representation of client before boards, as well as experienced in lobbying. Licensed in to practice law in Texas, Pennsylvania, Nebraska, and the United States Supreme Court. Experienced in practicing law in Federal District Courts as well as State Courts.
Graduated from Creighton University School of Law in 1973 and started practicing law in 1974. Experienced as a former Deputy County Attorney, as well as a City Counsel Member.
Kate Broussard
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
Houston, TX Real Estate Law Attorney with 2 years experience
(713) 655-1200 One Allen Center
500 Dallas, Ste. 1200
Houston, TX 77002
Real Estate, Elder, Estate Planning and Probate
Baylor Law School
Kate Broussard is an associate at MehaffyWeber, P.C. in the firm’s business practice group. Kate focuses her practice on estate planning, probate law, elder law, corporate law, real estate transactions, and oil and gas work. While at Baylor Law School, Kate was active in Baylor’s Public Service Program, receiving the distinction of Public Interest Scholar. She was especially involved in the Baylor Veteran’s Clinic and with the Baylor Pro Bono Transactional Team, which gave Kate a unique opportunity to speak with Veterans about their legal problems and gain valuable experience drafting estate planning and business organization documents. She practices primarily...
Judith A. Meyer
Claimed Lawyer ProfileLII GoldSocial Media
Houston, TX Real Estate Law Lawyer with 34 years experience
(713) 844-3068 711 Louisiana Street, Suite 1900
Houston, TX 77002
Real Estate, Arbitration & Mediation, Construction and Employment
Tulane University School of Law
Judith Meyer is a partner in the Houston office of Kean Miller. She joined the firm in 2017 and focuses her practice on securities litigation, broker litigation, breach of contract matters, business disputes, mediation and arbitration, construction defect litigation, premises liability and toxic tort defense, employment torts, and commercial real estate matters.

Judith is a qualified mediator for general civil disputes under the Texas Alternative Dispute Resolution Act and has served as a volunteer mediator for the Harris County Dispute Resolution Center.

Judith earned her B.S., magna cum laude, from Louisiana State University in 1979. She earned her J.D. in 1985 from...
Randall J.  Poelma
PREMIUM

Texas Real Estate Law Attorney with 13 years experience

Mr. Poelma’s main areas of practice include complex commercial litigation, subrogation, and real estate. His civil trial docket has broadened his exposure to vastly different areas of the law including professional... Read More »
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Cory Matthew Krueger
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Attorney with 13 years experience
(713) 850-9700 2211 Norfolk Street
Suite 211
Houston, TX 77098
Real Estate, Estate Planning, Family and Probate
University of Houston - Main Campus
Cory Krueger is an experienced trial lawyer and litigator who focuses his practice on probate, family law, estate planning, and asset protection. He also practices transactional law in connection with drafting contracts, legal documents, and wills and trusts.

Cory attended the University of Texas at Austin, graduating in 2002 before receiving his Doctorate of Jurisprudence from the University of Houston Law Center in 2006. During his time in law school, Cory was a member of the Oil and Gas Legal Organization, the Sports and Entertainment Legal Organization (SELO), and he volunteered with the University of Houston Law Center Mentor Program. In...
Linda Broocks
Claimed Lawyer ProfileLII GoldSocial Media
Houston, TX Real Estate Law Lawyer with 41 years experience
(713) 844-3002 711 Louisiana Street, Suite 1900
Houston, TX 77002
Real Estate, Employment, Personal Injury and Securities
The University of Texas School of Law
Linda Broocks is partner in the Houston office of Kean Miller. She joined the firm in 2017 and maintains an active practice in trials and appeals of complex commercial, securities, personal injury, employment and real estate cases.

Linda is Board Certified in Civil Trial Law and Civil Appellate Law by the Texas Board of Legal Specialization and is also a certified mediator, with experience mediating a variety of civil suits, and an arbitrator for the Financial Industry Regulatory Authority.

Linda has been recognized by Thomson Reuters among the Texas Super Lawyers in civil litigation defense in every year of voting. She was...
Rodney Drinnon
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Attorney with 26 years experience
(832) 533-8689 2000 West Loop S
Suite 1850
Houston, TX 77027
Real Estate, Bankruptcy, Business and Employment
Loyola University Chicago
Attorney Rodney L. Drinnon is an experienced litigator who handles complex civil litigation in cases in both federal & state courts and he is a partner in the McCathern Houston office. He has served as the lead trial lawyer on matters ranging from antitrust actions, contested corporate control disputes, director and officer liability, contract disputes, employment matters (including misappropriation of trade secrets, restrictive covenants, and Department of Labor investigations), insurance coverage questions, and oil and gas litigation. Mr. Drinnon is admitted to practice in Texas, Ohio, and Illinois and he has successfully tried cases in over ten jurisdictions throughout the...
Ronald Wright
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Attorney with 13 years experience
(832) 533-8689 2000 West Loop S
Suite 1850
Houston, TX 77027
Real Estate and Energy
Michigan State University College of Law
Attorney Ronald Wright is a managing partner of the McCathern office in Houston, Texas. Mr. Wright practices in the areas of real estate, food services, retail electricity, and oil and gas. He regularly advises clients regarding general business and corporate governance matters.

Mr. Wright is experienced in handling complex transactional matters involving mergers & acquisitions, contract negotiation and drafting, corporate governance formalities, finance, and succession planning. Applying a “deal maker” philosophy, Mr. Wright works with his clients to navigate the challenges and risks of negotiating and closing a deal while ensuring his client is well informed and adequately protected. He has...
Angela Solice
Claimed Lawyer ProfileSocial Media
HOUSTON, TX, TX Real Estate Law Lawyer with 5 years experience
(832) 819-0694 1225 N. Loop W.
Suite 1020
HOUSTON, TX, TX 77008
Free ConsultationReal Estate, Construction, Estate Planning and Probate
South Texas College of Law
Scott Alan Barrett
Claimed Lawyer ProfileSocial Media
Bellaire, TX Real Estate Law Attorney with 19 years experience
(713) 526-1883 4824 Bissonnet
Bellaire, TX 77401
Real Estate, Business, Estate Planning and Probate
Scott possesses the ability to recognize, develop and define goals and strategies and to ensure that the proper actions are implemented to achieve and surpass the objectives at hand. He consistently brings new insights and perspectives to situations and challenges, all the while striving to develop the best insight and solutions. As a practicing attorney, Scott focuses on transactional and corporate matters for business and estate planning, including Wills, Trusts, and Probate, for Individuals. In addition to Scott's legal accomplishments, he has over 25 years of experience as leader in different organizations and industries. As an Executive Director...
David Sacks
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Lawyer with 34 years experience
(713) 863-8400 2323 S. Shepherd Drive
Suite 825
Houston, TX 77019
Real Estate, Appeals and Business
South Texas College Of Law
About Our Firm
For more than 30 years, Sacks Law Firm has helped people who couldn't help themselves to solve vexing legal problems. Civil appeals have made up a large portion of the law practice. Business litigation, business transactions and general litigation are also significant areas.

Attorney David J. Sacks, the founder and operator of the firm, is Board Certified in the area of Civil Appellate Law, Texas Board of Legal Specialization. Learn more about his background through this link:

David J. Sacks
Sacks Law Firm Exists For Clients: Individuals, Companies And Law Firms Seeking Consulting Services
Each client's challenges and goals drive the direction...
Dr. Richard Waites
Claimed Lawyer Profile
Houston, TX Real Estate Law Attorney with 37 years experience
(877) 621-1098 Principal Office
12 E Greenway Plaza, Suite 1100
Houston, TX 77046
Real Estate, Antitrust, Business and Communications
Brent Clark Perry
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Attorney with 30 years experience
(713) 401-9790 2 Houston Center 909 Fannin, Suite 2630
Houston, TX 77010
Real Estate, Business, Energy and Securities
University of Chicago
Over an exemplary 25 year career, Brent C. Perry has distinguished himself as a skilled litigator. His wealth of experience has helped clients in a wide range of business and legal matters solve complex issues. Mr. Perry attended the University of Chicago Law School and graduated in 1989, after which he served as a law clerk for the U.S. District Judge Ricardo Hinojosa in Texas. Mr. Perry then joined Baker Botts, LLP in 1990 and Bracewell & Giuliania, LLP in 1993. This gave Mr. Perry valuable hands-on experience that propelled him further in his career. He...
Facundo L. Caminos
Claimed Lawyer Profile
HOUSTON, TX Real Estate Law Lawyer with 2 years experience
(713) 897-9010 2403 Arbor Street
HOUSTON, TX 77004
Free ConsultationReal Estate, Business, Consumer and Tax
South Texas College of Law
Houston tax attorney and certified public accountant with over 15 years experience in dealing with the IRS on tax matters.
Robert Burford
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Attorney with 33 years experience
(713) 401-9790 700 Louisiana Street
Suite #4545
Houston, TX 77002
Real Estate, Business, Employment and Energy
University of Houston - Main Campus
With nearly 30 years of complex commercial litigation experience, Robert R. Burford has distinguished himself as an aggressive and successful attorney for his clients. Mr. Burford has handled business disputes of nearly every variety for both plaintiffs and defendants. Mr. Burford has skillfully handled nearly every type of high-stakes business disputes including litigation involving fiduciary duties, securities fraud, mergers and acquisitions, Director’s and Officers’ liability, legal malpractice, oil and gas matters, partnership disputes, intellectual property disputes, theft of trade secrets, healthcare related matters and complex contractual disputes. Mr. Burford graduated from the University of Houston in 1981...
Jess Bailey
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Attorney with 10 years experience
(832) 510-2900 815 Walker Street
Suite 452
Houston, TX 77002
Free ConsultationReal Estate, Business, Estate Planning and Probate
South Texas College of Law
Unparalleled Transactional and Compliance Counsel -
I feel a responsibility to serve not only as an advocate, but also as an educator to my clients. I stress the importance of building a team of trusted advisors, an attorney being just one member of that team. I offer clients a unique combination of high quality legal services in multiple areas of transactional & compliance law including: business general counsel, banking & finance, compliance plans, contract & agreement drafting & negotiation, energy law, entity formation & restructuring, healthcare law, international law, mergers & acquisitions, business succession planning, real estate transactions & finance.

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John Havins
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Attorney with 37 years experience
(713) 650-3600 2211 Norfolk St
Suite 525
Houston, TX 77098
Real Estate, Business, Insurance Claims and Insurance Defense
I regularly represent business partners who are embroiled in shareholder and partner disputes. I also represent clients regarding the enforceability of non-solicitation, confidentiality, and non-compete provisions found in employment contracts and purchase/sale agreements. I represent a broad spectrum of clients found in the oil and gas, financial services, real estate sales and services, lending, commercial freight forwarding, commercial manufacturing and distribution, telecommunications, insurance, and construction industries. Specialties Shareholder and partner disputes; enforceability of non-solicitation, confidentiality, and non-compete provisions, breach of commercial contracts. Represents clients in the following industries: Oil and gas, real estate sales and services, lending, commercial freight...
Eric R. Little
Claimed Lawyer ProfileSocial Media
Bacliff, TX Real Estate Law Lawyer with 18 years experience
(888) 404-0777 219 Texas Ave.
Bacliff, TX 77518
Free ConsultationReal Estate, Criminal, Divorce and Family
University of Texas - Austin
An experienced trial attorney, primarily focused on criminal defense, child custody, divorce, real estate and business matters. My client selection criteria are based on merits as opposed to finances. I believe that, in decades past, citizens had greater access to representation in the courts, but that, due to changes in the profession and the economy, access to justice has become a problem for many. I try to address that problem by keeping my practice small, focused, selective, and project-based instead of volume-based. It works very well. I have also learned that maintaining credibility inside and outside the courtroom is not...
John Scott Black
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Lawyer with 20 years experience
(888) 492-2671 2211 Norfolk St, Suite 800
Houston, TX 77098
Real Estate, Business and Insurance Claims
University of Texas - Austin
With over 15 years of legal experience, John Scott Black has tried a wide range of cases involving first party insurance claims, catastrophic injury claims, and mass tort litigation for plaintiffs before judges and juries across Texas. His knowledge of commercial matters in a broad array of commercial litigation areas also allows him to confidently pursue cases involving securities fraud, contract claims, fiduciary duty matters, real estate transactions, patent matters, and institutional investor claims. Prior to joining his longtime friend, Rick Daly, to establish Daly & Black, P.C, John served as a legal intern to Justice James A. Baker...
Michael John Bins
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Attorney with 7 years experience
(888) 902-6245 3737 Buffalo Speedway
Suite 1900
Houston, TX 77098
Real Estate
South Texas College of Law
Michael was born and raised in Houston, Texas. He studied history and economics at Texas A&M University where he graduated in 2008. He received his Juris Doctorate from South Texas College of Law where he was a quarter-finalist in the Garland R. Walker Memorial mock trial competition.

Since earning his license to practice law in 2012, he has gained substantial experience by ardently representing individuals in insurance disputes, catastrophic injury suits, and eminent domain matters. His passion in representing individuals has led to BE recognized as a Rising Star by Texas Super Lawyers in 2016 and 2017. * He has...
Joseph Tan Tung
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Attorney with 18 years experience
(832) 390-2237 2800 Post Oak Blvd
Suite 4100
Houston, TX 77056
Real Estate, Business, Employment and Landlord Tenant
Joseph Tung brings nearly 20 years of business and legal experience to the table that began with investment banking and continued through an appellate judicial clerkship, a regional and national law firm, and a global oilfield services company. In 2009, Joseph started a full-service private practice offering general counsel services for a variety of businesses and investors. His practice areas included corporate, transactional, employment, litigation, intellectual property, mergers, acquisition, and real estate law. By 2016, Tung Law Firm, PLLC now represents a diverse range of clients in many industries ranging from information technology, construction, oil and...
Sameh Aly
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Lawyer with 12 years experience
(713) 643-7200 5950 Gulf Freeway
Suite 200
Houston, TX 77023
Free ConsultationReal Estate, Business and Family
Texas Southern University Thurgood Marshall School of Law
Sameh Aly is a native Houstonian. He attended Charles H. Milby High School located in the heart of Southeast Houston. Sameh Aly attended the University of Houston-Main Campus where he obtained his Bachelor’s Degree and then went on to earn his Law Degree at Texas Southern University, Thurgood Marshall School of Law in 2007.

All attorneys have law degrees but not every attorney cares as Abogado Aly Team. We have a simple mission at the office of Abogado Aly: Represent the Latino community in the most honest and truthful manner while working as hard as we possibly can to achieve the...
Saeed Tellawi
Claimed Lawyer ProfileSocial Media
Houston, TX Real Estate Law Attorney with 12 years experience
(832) 295-0770 827 W. 19th Street
Houston, TX 77008
Free ConsultationReal Estate and Business
Texas Southern University Thurgood Marshall School of Law
Saeed Tellawi is a Texas attorney representing the owners of privately held and family owned domestic and international businesses. His practice focuses on transactions & strategic advice related to the entrepreneurial pursuit, including business start-up and partnerships; asset protection; business and real estate acquisitions and sales; succession planning; and a full suite of due diligence services for buyers of companies and commercial real estate. Starting his first company at the age of 18 and being continuously self-employed since then has helped Saeed develop a practical approach to the practices of law and business. Saeed has made significant...
Jeff Joyce
Claimed Lawyer Profile
Houston, TX Real Estate Law Attorney with 38 years experience
(713) 222-1113 712 Main
Suite 1500
Houston, TX 77002
Free ConsultationReal Estate, Appeals and Arbitration & Mediation
The University of Texas School of Law
Jeff Joyce protects the critical business interests of his clients with over 30 years of experience in commercial litigation and the essential ingredients of sound judgment and a tenacious mindset. His representation of loan servicers, loan originators, financial institutions, real estate-based entities, insurance companies, manufacturing and distribution companies, and technology-based enterprises has earned him a strong reputation as a business lawyer. Recognized as a leader in the legal community, Jeff matches his experience and background with the entrepreneurial practice of law and the flexibility that affords his clients the opportunity to reach a reasonable business solution for their legal problems. Jeff...
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Pasadena Real Estate Legal Aid & Pro Bono Services

Advocate Legal Senior Center
(832) 393-4074
Houston, TX


Consejos Legales
(713) 759-1133
Houston, TX

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Buying, selling, or renting property?

Real estate refers to land, as well as anything permanently attached to the land, such as buildings and other structures, and covers more than just the drafting of contracts for the purchase and sale of property. Both federal and state laws regulate real estate transactions. The Federal Fair Housing Act, for example, prohibits discrimination in real estate transactions on account of race, color, religion, sex, or national origin. Many states have enacted similar legislation that prohibits discrimination on the basis of certain characteristics.

Attorneys in this field may handle leasing issues, landlord-tenant disputes, eviction proceedings and homeowner association (HOA) problems. Other matters within this practice area include title disputes, mortgages, covenants, easements, and equitable servitudes. Many real estate issues can affect both commercial and individual renters and landlords. Real estate lawyers who represent commercial interests may also focus on land use, zoning, environmental law, or eminent domain issues.

Some states provide a certification for lawyers who have demonstrated experience and competency in the practice of real estate law. These attorneys must meet certain educational, experience, and examination requirements to receive the certification as a specialist.


Deed: The legal document that transfers the ownership of real property from one party to another.

Mortgage: A mortgage is a document signed by a borrower when a loan is made that gives the lender a right to take possession of the property if the borrower fails to repay the loan.