Foreclosure on a home can be initiated by a bank, a loan servicer, an HOA, or another person with a lien on your real property. If you own a mobile home, the process will be different, and comes with fewer protections than with a traditional house. Mortgages, debt collection, and foreclosures are highly regulated under federal and state law, and there are many protections for homeowners. But the more proactive you are in seeking help and asserting your rights, the more likely you are to succeed in protecting your home. If you have received a letter that says it is a notice of the right to cure, or if you have been served with a foreclosure lawsuit, please schedule a consultation with an attorney immediately.

In most South Carolina counties, foreclosures of houses, condominiums, and apartments aren't overseen by normal judges, but by a Master-in-Equity. This means that the judge overseeing your case will be a specialist in homeownership and foreclosure issues. Click here for the Charleston County Master-in-Equity's website, which has information about upcoming hearings, procedural information, and pre-written forms for use in litigation. Mobile home foreclosures are normally brought as a complaint for claim and delivery, and are litigated in normal (i.e. Circuit) court. Click here for information about SC Help, a federally-funded state program that offers free assistance to help keep homeowners in their houses.

In South Carolina, rental agreements are governed by the South Carolina Residential Landlord and Tenant Act. If you are facing eviction in the tri-county area, we may be able to assist you. Because eviction actions move quickly, please get in touch with us as soon as you become aware of your legal issue.

In addition, we may also be able to assist you if you need to sue your landlord (or tenant). Or if you would like to file in small claims court without an attorney, the courts have created an FAQ sheet to help guide pro se (self-represented) litigants through the process of arguing their case in magistrate’s court, which is also available below.

If you are homeless or will become homeless if you are evicted, please consider contacting 180 Place at (843) 737-8357 and asking for legal assistance.

Finally, if you are facing or at risk of an eviction in Berkeley or Dorchester Counties, you may qualify for free legal assistance. Please call 843-640-5980 ext. 2 and mention that you are facing an eviction in these counties.

Other issues related to housing could include property issues like deed disputes, disagreements among co-owners of a property, heirs property issues, or land contract sales. If you're not sure what category your problem falls into, give us a call. We have attorneys available to talk to you over the phone and are happy to help you find the right way to tackle whatever challenge you are facing.