South Carolina

South Carolina

South Carolina Foreclosure Process

Foreclosure NoticeSecurity Instrument(s): Mortgage.

Foreclosure Type(s): Judicial.

Judicial Foreclosure: A foreclosure process in which the lender must file a lawsuit against the borrower to obtain a court order to foreclose on a Mortgage document.

Initial Public Notice: Complaint.

Estimated Foreclosure Process Period: 150+ days.

First Notice to Sale Time Period: 23+ days.

Redemption Period?: Yes, 1-12 months.

Deficiency Balance?: Yes.

* * * This information represents MRP’s current understanding of the South Carolina foreclosure process. For the most detailed and up to date information, your should contact your local county government.* * *

Stop Foreclosure!Once you have received a Notice of Default (NOD), Notice of Filed Foreclosure or Notice of Foreclosure Sale/Auction, you need a foreclosure defense attorney or foreclosure litigation attorney to effectively represent your interests. If you have received one of these notices, contact us today regarding appropriate legal options!

Foreclosure Defense Attorneys

attorneysForeclosure defense attorneys can answer complaints, file counter-claims and motions, and represent you at hearings, mediation, and during the entire negotiation process. A foreclosure defense attorney will fight to defend your rights, and achieve the best possible outcome in loan modification, reinstatement, forbearance, principal reduction, and other foreclosure alternatives.

► ► Find A Foreclosure Defense Attorney In South Carolina! ◄ ◄

► ► Complete the Foreclosure Defense Attorney Evaluation! ◄ ◄

Litigation Attorneys

Should You Sue Your Lender?

mortgage mitigation attorney (2)In recent years, legislators have passed new laws which give consumer protection rights to homeowners, and provide statutory damages for violations. Accordingly, many homeowners are now hiring foreclosure litigation attorneys to sue their lenders, and use other aggressive legal tactics to stop the foreclosure process, resolve their mortgages, and obtain corrective and monetary relief.

► ► Schedule A Litigation Attorney Consultation! ◄ ◄

► ► Take The Lender Litigation Test! ◄ ◄

IMPORTANT, PLEASE READ: If you no longer occupy or legally control a property, but seek monetary and corrective damages for wrongful foreclosure and related legal issues, please visit the Wrongful Foreclosure Damages page to learn about available legal services.

South Carolina Hardest Hit FundSouth Carolina is a “Hardest Hit Fund” State

($295,431,547)

Eligibility Info and Fact Sheet

For eligibility requirements and application information, please visit:

http://www.scmortgagehelp.com/

HUD SealHUD Approved Foreclosure
Avoidance Counseling Agencies
Located in South Carolina

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services. Organizations are listed in alphabetical order, by city.

Foreclose Defense Attorney ConsultationIn many cases, these organizations will end up recommending that you retain an attorney. The fact is that an experienced attorney is in the best position to represent you in mortgage negotiations and foreclosure proceedings. In fact, THE FEDERAL TRADE COMMISSION (FTC) PROHIBITS ANY “NON-ATTORNEY” FROM NEGOTIATING MORTGAGE DEBT ON BEHALF OF A DISTRESSED HOMEOWNER. Negotiating yourself or through a non-attorney third party can even be detrimental. Before you do anything else, we recommend a NO COST ATTORNEY CONSULTATION or completing our FORECLOSURE DEFENSE ATTORNEY EVALUATION.

National Foreclosure Mitigation Counseling (NFMC) grantees through NeighborWorks® America,
located in South Carolina

Agency Name Phone
Website
Address Languages
Consumer Credit Counseling Service of the Savannah Area, Inc. Phone: 843-379-2227
Web: www.cccssavannah.org
69 Robert Smalls Parkway Suite 2B
Beaufort, South Carolina 29902
– English
Community Development Corporation of Marlboro County Phone: (843) 454-2188
Web: www.communitydevelopmentsc.org
106 W Market Street
Bennettsville, South Carolina 29512
– English
Neighborhood Assistance Corporation of America (NACA) Phone: 843-556-0497
Web: www.naca.com
2420 Mall Drive, Suite 100
Charleston, South Carolina 29406
– English
NID-HCA Phone: 803-254-1636
Web: www.nidonline.org
1815 Gervais Street
Columbia, South Carolina 29201
– English
Neighborhood Assistance Corporation of America (NACA) Phone: 803-255-0223
Web: www.naca.com
1631 Richland Street
Columbia, South Carolina 29201
– English
Springboard Non Profit Consumer Credit Management, Inc. Phone: 855-736-7798
Web: www.homeownership.org
1320 Main St. Suite 300
Columbia, South Carolina 29201
– English
CCCS of Greater Atlanta Phone: 800-251-2227
Web: www.clearpointccs.org
1615 Wade Hampton Boulevard, Suite C
Greenville, South Carolina 29609
– English
United Housing Connections Phone: 8642410462
Web: www.unitedhousingconnections.org
122 Edgeworth Street
Greenville, South Carolina 29607
– English
Urban League of the Upstate Phone: 864-244-3862
Web: www.urbanleagueupstate.org
15 Regency Hill Drive
Greenville, South Carolina 29607
– English
Family Services, Inc. Phone: 843-744-1348
Web: www.fsisc.org
4925 Lacross Road, Suite 205
North Charleston, South Carolina 29406
– English

HUD Approved Housing Counseling Agencies

HUD Approved Foreclosure Avoidance Counseling Agencies in South Carolina

This list includes only HUD Approved Housing Counseling Agencies offering “Mortgage Delinquency and Default Resolution Counseling” services, and are considered “Foreclosure Avoidance Counseling” agencies. Organizations are listed in alphabetical order, by city.

HUD
Agency Name
Phone
Toll-Free
Fax Number
Email
Website
Address Languages
BEAUFORT COUNTY BLACK CHAMBER OF COMMERCE P: 843-986-1102
T:
F:
E: president@bcbcc.org
W: www.bcbcc.org
801 Bladen Street
BEAUFORT, South Carolina 29902-4574
– English
CCCS OF SAVANNAH AREA, INC.-BEAUFORT, SC P: 843-379-2227
T:
F:
E: jennifer@cccssav.com
W: www.cccssavannah.org
69 Robert Smalls Parkway, Ste. 2B
BEAUFORT, South Carolina 29906-4273
– English
COMMUNITY DEVELOPMENT CORPORATION OF MARLBORO COUNTY P: 843-454-2188-11
T: 843-454-2188
F: 843-459-2199
E: cmalloy@bellsouth.net
W: www.communitydevelopmentsc.org
106 E. Market Street
BENNETTSVILLE, South Carolina 29512-3127
– English
COMMUNITY ASSISTANCE PROVIDER, INC. P: 803-771-0050
T:
F: 803-771-0505
E: communityassist@bellsouth.net
W: www.communityassistanceprovider.com
2800 North Main Street
COLUMBIA, South Carolina 29201-1738
– Arabic
– Cambodian
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) COLUMBIA, SC P: 803-255-0223
T: 617-250-6222
F: 877-329-6222
E: N/A
W: www.naca.com
1634 Taylor St
Columbia, South Carolina 29201-3451
– English
– Spanish
SPRINGBOARD – COLUMBIA P: 855-736-7798
T: 855-736-7798
F:
E: info@homeownership.org
W: www.homeownership.org
1320 Main Street
Suite 300
COLUMBIA, South Carolina 29201-3204
– English
– Other
– Spanish
– Ukrainian
COMMUNITY DEVELOPMENT & IMPROVEMENT CORP. P: 803-663-6848
T:
F: 803-663-9590
E: tbanks@cdic-sc.org
W: www.aikenhousing.org
560 Jefferson Davis Highway
GRANITEVILLE, South Carolina 29829-2748
– English
CREDABILITY – GREENVILLE BRANCH P: 800-251-2227
T: 800-251-2227
F: 404-527-7662
E: info@credability.org
W: www.credability.org
1615 Wade Hampton Blvd
Suite C
GREENVILLE, South Carolina 29609-5062
– English
– Spanish
GREENVILLE COUNTY HUMAN RELATIONS COMMISSION P: 864-467-7095
T: 866-495-3918
F: 864-467-5965
E: ssmathers@greenvillecounty.org
W: www.greenvillecounty.org
301 University Ridge, Suite 1600
GREENVILLE, South Carolina 29601-3613
– Cantonese
– English
– Spanish
TELAMON CORPORATION P: 864-326-5626
T:
F:
E: sdurantbrooks@telamon.org
W: www.telamon.org
225 South Pleasantburg Drive
Suite C-16
GREENVILLE, South Carolina 29607-2544
– English
– Spanish
UNITED HOUSING CONNECTIONS P: 864-241-0462-703
T: 800-254-8561
F: 864-241-0464
E: vbullock@unitedhousingconnections.org
W: www.unitedhousingconnections.org
122 Edgeworth Street
GREENVILLE, South Carolina 29607-2536
– English
– Spanish
URBAN LEAGUE OF THE UPSTATE P: 864-244-3862-4119
T:
F: 864-244-6134
E: jvernon@ulus1.org
W: www.urbanleagueupstate.org
15 Regency Hill Dr
GREENVILLE, South Carolina 29607-1230
– English
CCCS/FAMILY SERVICES INC. P: 843-735-7802
T: 800-232-6489
F: 843-744-2886
E: info@fsisc.org
W: www.fsisc.org
4925 Lacross Rd Ste 215
North Charleston, SC
North Charleston, SC 29406
North Charleston, South Carolina 29406-6513
– English
INCREASING H.O.P.E. FINANCIAL TRAINING CENTER P: 843-225-4343
T:
F: 866-579-6265
E: financetraining@increasinghope.org
W: www.increasinghope.org
1551B Remount Rd
North Charleston, South Carolina 29406-3273
– English
NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA) CHARLESTON, SC P: 843-556-0497
T: 617-250-6222
F: 877-329-6222
E: N/A
W: www.naca.com
2420 Mall Dr
North Charleston, South Carolina 29406-6515
– English
– Spanish
OPERATION RESTORATION P: 864-342-0907
T:
F: 864-342-0907
E: info@operationrestorationcdc.org
W: www.operationrestorationcdc.org
469 Gentry Street
SPARTANBURG, South Carolina 29303-3873
– English
UPSTATE HOUSING PARTNERSHIP P: 864-504-3090
T:
F:
E: cherbert@upstatehp.org
W: www.spartanburghousing.org
139 S Dean St
Spartanburg, South Carolina 29302-1908
– English
SANTEE-LYNCHES AFFORDABLE HOUSING AND COMMUNITY DEVELOPMENT CORPORATION P: 803-436-0020
T:
F: 803-436-0003
E: slcdc@ftc-i.net
W: www.slcdc.net
255 Broad Street
SUMTER, South Carolina 29150-4146
– English
– Spanish

For the most current list of HUD Approved Foreclosure Avoidance Counseling Agencies in South Carolina, please visit the HUD website.