North Carolina Foreclosure Defense Experts
Stop the Auction.
Save Your Future.
The bank has a legal team. You need a solution. We help NC homeowners pause the “Power of Sale” process, protect their credit, and walk away with dignity.
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Don't Let the "Clerk of Court" Decide Your Fate
In North Carolina, foreclosure is fast. It happens through a “Special Proceeding” before the Clerk of Court, not a long jury trial. Once the Clerk signs the order, the countdown to the auction begins.
But until the gavel falls, you represent the outcome, not the bank.
3 Paths to Stop the Foreclosure
Stage: Missed Payments
You have missed 1-3 payments. The bank is calling, but legal action likely hasn’t started yet.
Recommended Action:
This is the best time to act. We can likely structure a “Subject-To” deal to take over your payments before your credit is severely damaged.
Stage: Pre-Foreclosure Notice
NC Law requires a “Right to Cure” letter sent 45 days before filing. This is your final warning.
Recommended Action:
Do not ignore this letter. Contact us immediately. We can still buy the home or take over payments without legal fees eating up your equity.
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Stage: Notice of Hearing
CRITICAL. The bank has filed with the Clerk of Court. You have a hearing date set.
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Urgency Level: HIGH
The clock is ticking. We need to evaluate your case immediately to see if we can pay the arrears or buy the property before the Clerk authorizes the sale.
Stage: Sale Scheduled
The Clerk has authorized the sale. The notice is posted at the courthouse. The auction is coming.
Action Required: IMMEDIATE
We can still stop the sale up to the last minute, but we must have a contract in place. Call us right now.
Stage: Upset Bid Period
The auction happened, but the sale isn’t final. In NC, there is a 10-day window to place a higher bid.
Final Chance
This is the “Hail Mary.” We may be able to place an upset bid or work a deal, but the window closes permanently in days.
3 Paths to Stop the Foreclosure
The "Subject-To" Solution
This is our specialty. We agree to buy your home, but instead of getting a new loan, we take over your existing mortgage payments. We pay the arrears to stop the foreclosure instantly.
- Immediate Relief: You stop paying the mortgage today.
- Credit Repair: The loan stays in your name, so our on-time payments boost your score.
- No Fees: We pay all closing costs and reinstatement fees.
Impact on Your Future
| Scenario | Credit Impact | Future Liability |
|---|---|---|
| Foreclosure | -200 to -300 pts | High (Deficiency Judgment) |
| FixitMoney Takeover | Credit Improves Monthly | None (We Pay Loan) |
Protect Your Equity
If you have lived in your home for years, you likely have equity. Don’t let the bank take it all at the auction. We can buy your house for cash in as little as 7 days.
We pay off the bank in full, stop the foreclosure, and hand you a check for the difference.
Why Choose Cash Sale?
- Walk away with cash in your pocket.
- No repairs needed (We buy As-Is).
- No realtor commissions (Save 6%).
- Move on your timeline (Ask about lease-back).
The "Underwater" Solution
Owe more than the house is worth? We can negotiate with your lender to accept a “Short Sale.” This means they agree to take less than the full amount owed to satisfy the debt.
How We Help
Owe more than the house is worth? We can negotiate with your lender to accept a “Short Sale.” This means they agree to take less than the full amount owed to satisfy the debt.
We Don't Just Work in Charlotte. We Work Here.
Gaston County
- Gastonia
- Belmont
- Dallas
- Bessemer City
Lincoln County
- Lincolnton
- Denver
- Maiden
- Vale
Cabarrus & Rowan
- Concord
- Kannapolis
- Salisbury
- China Grove
Cleveland County
- Shelby
- Kings Mountain
- Boiling Springs
- Grover
Serving small towns and rural communities across North Carolina.
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Common Questions
Can I stop foreclosure if I have an auction date next week?
Yes. Until the auction actually happens, you still own the house. If we can sign a purchase agreement or pay the arrears before the date, the sale can be cancelled. Time is extremely tight, so call us immediately.
Is taking over my mortgage legal? (Due on Sale Clause)
Yes, “Subject-To” transactions are legal. While most mortgages have a “Due on Sale” clause giving the bank the option to call the loan due if transferred, banks rarely do this as long as the payments are being made on time. We use attorneys to handle the disclosures and paperwork correctly.
Do you charge any fees?
Never. We are investors, not agents. We make our money from the investment potential of the property. You never pay us a dime for our help. In fact, in many cases, we pay your closing costs.
My home is in a rural area and needs repairs. Will you still buy it?
Absolutely. Unlike many investors who only focus on big cities like Charlotte, we specialize in rural properties in Gaston, Lincoln, and surrounding counties. We buy homes “As-Is,” meaning you don’t need to fix the roof, clean up, or remove junk. We handle all of that.
Shouldn't I just file for Bankruptcy to stop it?
Bankruptcy (Chapter 13) can pause a foreclosure, but it doesn’t solve the underlying problem—you still have to pay the mortgage plus a repayment plan for the arrears. It acts as a temporary “band-aid” and stays on your credit for 7-10 years. Our solution fixes the problem permanently without the long-term damage of bankruptcy.
Will my neighbors know I'm facing foreclosure?
If the Sheriff serves a notice or the bank posts a sale notice, it becomes public. However, working with us is 100% confidential. We don’t put a “For Sale” sign in your yard, and we don’t host open houses. We handle the transaction privately.
If I sell to you, do I have to move out immediately?
Not necessarily. We understand you need time to transition. In many cases, we can arrange a “lease-back” agreement where you stay in the home for a few weeks or months after the sale to give you time to find a new place and pack comfortably.