How can creditor collect balance due after auction in Texas?

In Texas, after an auction, if the sale of the property does not cover the total debt owed, the creditor can pursue a deficiency judgment against the borrower for the remaining balance. To do this, the creditor must file a lawsuit within two years of the auction sale. If successful, the court will issue a deficiency judgment, allowing the creditor to collect the remaining balance through wage garnishment, bank levies, or other collection methods. It's important for the creditor to adhere to Texas laws regarding notification and court procedures to ensure the validity of the collection efforts.