(704) 712-2717

Homeowners/Charlotte, NC

Homeowner Resources in Charlotte, NC

Local resources for homeowners in Charlotte, NC dealing with foreclosure, probate, tax liens, bankruptcy, and other difficult situations. Real contacts, phone numbers, and next steps.

✓Verified local resources✓19 resource categories✓3 HUD-approved counselors✓Curated by a licensed Realtor

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Resource categories for Charlotte

Select a topic below to see local resources including government offices, attorneys, financial counselors, and nonprofit organizations.

Code Violations

Resources for homeowners facing code enforcement notices, building code violations, minimum housing standards, or condemnation.

✓Curated resourcesView resources

See open code cases and activity around any Charlotte address

Check my address

IRS Tax Lien

Resources for homeowners with IRS federal tax liens — lien discharge, Fresh Start program, and Taxpayer Advocate.

✓Curated resourcesView resources

HELOC Default

Resources for homeowners in default on a HELOC or second mortgage — settlement negotiation, lien stripping, and foreclosure defense.

✓Curated resourcesView resources

More local resources in Charlotte

Verified local contacts for other situations Charlotte homeowners face — attorneys, government offices, and financial counselors, organized by topic.

Relocation

HUD-Approved Housing Counselors

Know Debt

Free foreclosure counseling for homeowners at risk. Initial sessions average 45 minutes to 1.5 hours. HUD-approved.

Visit Know Debt

State & Government Programs

Mecklenburg County HOMES Program

Grant of up to $650 toward property tax bills for qualifying Mecklenburg County homeowners.

HOMES Program details

Consumer Financial Protection Bureau (CFPB)

Federal agency for mortgage complaints, servicing rules, and consumer protection guidance.

CFPB resources

Call 211

Local emergency support for housing, utilities, financial hardship, and food assistance.

Call 211

Relocation Real Estate Agents in Charlotte

Chamiese Evans — Licensed Realtor

Specializing in helping Charlotte homeowners navigate relocation situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Read next

Relocating from Charlotte? Sell fast with a cash offer

Get my cash offer
Bankruptcy

Federal Bankruptcy Court

US Bankruptcy Court, Western District of NC

Federal bankruptcy court handling Chapter 7 and Chapter 13 filings for Mecklenburg County. NC Homestead Exemption: $35,000 ($60,000 if 65 or older).

Charles R. Jonas Federal Building, 401 W Trade St, Charlotte, NC 28202

US Bankruptcy Court - Western NC

Bankruptcy Attorneys in Charlotte

Law Office of Kimberly A. Sheek

Top 10 Charlotte bankruptcy firm with 10+ years of experience in Chapter 7 and Chapter 13.

Kimberly Sheek Law

Duncan Law, LLP

Family-owned Charlotte firm. Attorney Terry Duncan has filed thousands of bankruptcy cases.

Duncan Law

Blossom Law PLLC

Attorney Rashad Blossom is known for warmth, clarity, and commitment to client success.

Blossom Law

Law Office of Jack G. Lezman, PLLC

Over 20 years of Chapter 7 and Chapter 13 experience. 99% client satisfaction.

Jack Lezman Law

Collier Law Firm

Attorney Christina M. Collier, practicing since 2001. Admitted to Western and Middle District NC Bankruptcy Courts.

Collier Law Firm

Free Legal Aid

Legal Aid of North Carolina - Charlotte Office

Free legal services for housing, foreclosure, consumer, domestic violence, and benefits cases for low-income Mecklenburg County residents.

(704) 594-8662

1431 Elizabeth Ave, Charlotte, NC 28204

Legal Aid of NC - Charlotte

Mecklenburg County Bar - Lawyer Referral Service

$50 for a 30-minute consultation. Fee waived for bankruptcy, personal injury, wrongful death, workers compensation, and medical malpractice.

Mecklenburg Bar Lawyer Referral

Bankruptcy Real Estate Agents in Charlotte

Chamiese Evans — Licensed Realtor

Specializing in helping Charlotte homeowners navigate bankruptcy situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com
Fire / Storm Damage

Emergency & Disaster Resources

FEMA Region 4

Federal disaster declarations, individual assistance, and temporary housing for NC/SC.

FEMA Region 4

NC Division of Emergency Management

State-level disaster response, recovery programs, and individual assistance.

NC Emergency Management

SBA Disaster Loans

Low-interest disaster loans for homeowners to repair or replace damaged property.

SBA Disaster Loans

HUD-Approved Housing Counselors

Know Debt

Free foreclosure counseling for homeowners at risk. Initial sessions average 45 minutes to 1.5 hours. HUD-approved.

Visit Know Debt

State & Government Programs

Mecklenburg County HOMES Program

Grant of up to $650 toward property tax bills for qualifying Mecklenburg County homeowners.

HOMES Program details

Consumer Financial Protection Bureau (CFPB)

Federal agency for mortgage complaints, servicing rules, and consumer protection guidance.

CFPB resources

Call 211

Local emergency support for housing, utilities, financial hardship, and food assistance.

Call 211

Free Legal Aid

Legal Aid of North Carolina - Charlotte Office

Free legal services for housing, foreclosure, consumer, domestic violence, and benefits cases for low-income Mecklenburg County residents.

(704) 594-8662

1431 Elizabeth Ave, Charlotte, NC 28204

Legal Aid of NC - Charlotte

Mecklenburg County Bar - Lawyer Referral Service

$50 for a 30-minute consultation. Fee waived for bankruptcy, personal injury, wrongful death, workers compensation, and medical malpractice.

Mecklenburg Bar Lawyer Referral

Fire / Storm Damage Real Estate Agents in Charlotte

Chamiese Evans — Licensed Realtor

Specializing in helping Charlotte homeowners navigate fire / storm damage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Storm or fire damage? Get a cash offer, sold as-is

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Vacant Property

HUD-Approved Housing Counselors

Know Debt

Free foreclosure counseling for homeowners at risk. Initial sessions average 45 minutes to 1.5 hours. HUD-approved.

Visit Know Debt

State & Government Programs

Mecklenburg County HOMES Program

Grant of up to $650 toward property tax bills for qualifying Mecklenburg County homeowners.

HOMES Program details

Consumer Financial Protection Bureau (CFPB)

Federal agency for mortgage complaints, servicing rules, and consumer protection guidance.

CFPB resources

Call 211

Local emergency support for housing, utilities, financial hardship, and food assistance.

Call 211

Free Legal Aid

Legal Aid of North Carolina - Charlotte Office

Free legal services for housing, foreclosure, consumer, domestic violence, and benefits cases for low-income Mecklenburg County residents.

(704) 594-8662

1431 Elizabeth Ave, Charlotte, NC 28204

Legal Aid of NC - Charlotte

Mecklenburg County Bar - Lawyer Referral Service

$50 for a 30-minute consultation. Fee waived for bankruptcy, personal injury, wrongful death, workers compensation, and medical malpractice.

Mecklenburg Bar Lawyer Referral

Vacant Property Real Estate Agents in Charlotte

Chamiese Evans — Licensed Realtor

Specializing in helping Charlotte homeowners navigate vacant property situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Read next

Done carrying a vacant Charlotte home? Get a cash offer

Get my cash offer
Underwater Mortgage

Short Sale & Foreclosure Defense Attorneys in Charlotte

Galletta Law Firm, PLLC

Specializes in foreclosure defense, short sales, and consumer debt defense. Free consultations.

(980) 859-7115

15720 Brixham Hill Avenue, Suite 300, Charlotte, NC 28277

Visit Galletta Law Firm

Law Office of Kimberly A. Sheek

Foreclosure defense, short sales, deed in lieu, and bankruptcy. Serving Charlotte since 2009.

(704) 842-9776

11020 David Taylor Drive, Suite 402, Charlotte, NC 28262

Visit Sheek Law Office

Berger & Kindberg Law

Real estate, foreclosure, short sales, and closings in the South Park area of Charlotte.

(704) 900-3816

5925 Carnegie Blvd, Suite 200, Charlotte, NC 28209

Visit Berger Law Group

Housing Counseling & Federal Resources

NC State Home Foreclosure Prevention Project

Free connection to a HUD-approved housing counselor in your area. Covers short sale, loan modification, and forbearance options.

NC Housing Finance Agency

CFPB Help for Homeowners

Federal resources for loss mitigation, servicer communication, forbearance options, and filing complaints.

CFPB homeowner help

Free Legal Aid

Legal Aid of North Carolina - Charlotte Office

Free legal services for housing, foreclosure, consumer, domestic violence, and benefits cases for low-income Mecklenburg County residents.

(704) 594-8662

1431 Elizabeth Ave, Charlotte, NC 28204

Legal Aid of NC - Charlotte

Mecklenburg County Bar - Lawyer Referral Service

$50 for a 30-minute consultation. Fee waived for bankruptcy, personal injury, wrongful death, workers compensation, and medical malpractice.

Mecklenburg Bar Lawyer Referral

Underwater Mortgage Real Estate Agents in Charlotte

Chamiese Evans — Licensed Realtor

Specializing in helping Charlotte homeowners navigate underwater mortgage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Read next

Underwater — or do you actually have equity? Find out free

See my home value
Job Loss

Unemployment & Workforce Resources in Charlotte

NCWorks Career Center — Charlotte

Job search assistance, career counseling, and workforce retraining programs for Mecklenburg County residents.

(704) 566-2870

5601 Executive Center Drive, Suite 100, Charlotte, NC 28212

NCWorks website

Charlotte Works

Mecklenburg County Workforce Development Board offering career pathways, training, and employer connections.

(704) 206-1343

1830-B Tillery Place, Charlotte, NC 28208

Charlotte Works website

Urban League of Central Carolinas

Free online certification programs, workforce development, and career coaching for Charlotte-area residents.

(704) 373-2256

740 W 5th Street, Charlotte, NC 28202

Urban League website

Goodwill Industries of the Southern Piedmont

Job training, career services, and employment placement. Multiple locations across Charlotte.

(704) 372-3434

5301 Wilkinson Blvd, Charlotte, NC 28208

Goodwill Southern Piedmont

Unemployment Insurance

NC Division of Employment Security (DES)

File for NC unemployment benefits online or by phone. Maximum weekly benefit is $450 for 12-20 weeks depending on the state unemployment rate.

NC DES unemployment

HUD-Approved Housing Counselors

Know Debt

Free foreclosure counseling for homeowners at risk. Initial sessions average 45 minutes to 1.5 hours. HUD-approved.

Visit Know Debt

State & Government Programs

Mecklenburg County HOMES Program

Grant of up to $650 toward property tax bills for qualifying Mecklenburg County homeowners.

HOMES Program details

Consumer Financial Protection Bureau (CFPB)

Federal agency for mortgage complaints, servicing rules, and consumer protection guidance.

CFPB resources

Call 211

Local emergency support for housing, utilities, financial hardship, and food assistance.

Call 211

Free Legal Aid

Legal Aid of North Carolina - Charlotte Office

Free legal services for housing, foreclosure, consumer, domestic violence, and benefits cases for low-income Mecklenburg County residents.

(704) 594-8662

1431 Elizabeth Ave, Charlotte, NC 28204

Legal Aid of NC - Charlotte

Mecklenburg County Bar - Lawyer Referral Service

$50 for a 30-minute consultation. Fee waived for bankruptcy, personal injury, wrongful death, workers compensation, and medical malpractice.

Mecklenburg Bar Lawyer Referral

Job Loss Real Estate Agents in Charlotte

Chamiese Evans — Licensed Realtor

Specializing in helping Charlotte homeowners navigate job loss situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Read next

Reverse Mortgage

Reverse Mortgage Counseling in Charlotte

Charlotte Center for Legal Advocacy — HUD-Certified Counselors

HUD-certified housing counseling including HECM counseling (required for reverse mortgages), consumer protection, and tax disputes.

(704) 376-1600

5535 Albemarle Road, Charlotte, NC 28212

Charlotte Center for Legal Advocacy

Elder Law Attorneys in Charlotte

McIntyre Elder Law

Elder law, reverse mortgage strategy, Medicaid/long-term care planning. Serving the Charlotte area.

(704) 749-9244

112 S Tryon St, Suite 700, Charlotte, NC 28284

McIntyre Elder Law

Collins Family & Elder Law Group

Elder law, Medicaid planning, asset protection, and guardianship. Charlotte and Ballantyne offices.

(704) 387-3240

228 East Blvd, Charlotte, NC 28203

Collins Elder Law

Orsbon & Fenninger, LLP

Estate planning, elder law, probate, and taxation. Over 50 years combined experience.

(704) 556-9600

4201 Congress St, Suite 110, Charlotte, NC 28209

Orsbon & Fenninger

Free Legal Aid

Legal Aid of North Carolina - Charlotte Office

Free legal services for housing, foreclosure, consumer, domestic violence, and benefits cases for low-income Mecklenburg County residents.

(704) 594-8662

1431 Elizabeth Ave, Charlotte, NC 28204

Legal Aid of NC - Charlotte

Mecklenburg County Bar - Lawyer Referral Service

$50 for a 30-minute consultation. Fee waived for bankruptcy, personal injury, wrongful death, workers compensation, and medical malpractice.

Mecklenburg Bar Lawyer Referral

Reverse Mortgage Real Estate Agents in Charlotte

Chamiese Evans — Licensed Realtor

Specializing in helping Charlotte homeowners navigate reverse mortgage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Know exactly what your Charlotte home is worth first

See my home value
Judgment Lien

Creditor/Debtor Attorneys in Charlotte

Cordes Law, PLLC

Bankruptcy, debtor-creditor law, and civil litigation. Over 30 years experience in Charlotte.

(704) 332-3565

1057 E. Morehead Street, Suite 120, Charlotte, NC 28204

Cordes Law

The Layton Law Firm, PLLC

Bankruptcy (Chapter 7 & 13), real estate, and judgment liens. Practicing since 2000.

(704) 749-7747

1001 East Blvd, Suite B, Charlotte, NC 28203

Layton Law Firm

HUD-Approved Housing Counselors

Know Debt

Free foreclosure counseling for homeowners at risk. Initial sessions average 45 minutes to 1.5 hours. HUD-approved.

Visit Know Debt

State & Government Programs

Mecklenburg County HOMES Program

Grant of up to $650 toward property tax bills for qualifying Mecklenburg County homeowners.

HOMES Program details

Consumer Financial Protection Bureau (CFPB)

Federal agency for mortgage complaints, servicing rules, and consumer protection guidance.

CFPB resources

Call 211

Local emergency support for housing, utilities, financial hardship, and food assistance.

Call 211

Free Legal Aid

Legal Aid of North Carolina - Charlotte Office

Free legal services for housing, foreclosure, consumer, domestic violence, and benefits cases for low-income Mecklenburg County residents.

(704) 594-8662

1431 Elizabeth Ave, Charlotte, NC 28204

Legal Aid of NC - Charlotte

Mecklenburg County Bar - Lawyer Referral Service

$50 for a 30-minute consultation. Fee waived for bankruptcy, personal injury, wrongful death, workers compensation, and medical malpractice.

Mecklenburg Bar Lawyer Referral

Judgment Lien Real Estate Agents in Charlotte

Chamiese Evans — Licensed Realtor

Specializing in helping Charlotte homeowners navigate judgment lien situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Thinking about selling your Charlotte home?

Whichever situation brought you here, you have options — and you do not have to decide today. Start with the one that fits.

Your local real estate expert

Connect with a licensed Realtor who specializes in helping homeowners navigate homeowner situations in Charlotte, NC.

CE

Chamiese Evans

Licensed Realtor — NorthGroup Real Estate

Helping homeowners across the Carolinas find the right path forward — whether that means selling, negotiating, or exploring every option before making a decision.

(704) 712-2717chamieseevans@gmail.com
Visit listrobin.com

Neighborhoods served

Resources on this page cover homeowners across Charlotte and surrounding areas.

  • Ballantyne
  • South End
  • NoDa (North Davidson)
  • Plaza Midwood
  • Dilworth
  • Myers Park
  • Elizabeth

Researched by CC Evans, Marketing Analyst — RobinOffer

Last reviewed: February 2026

This directory is for informational purposes only. It does not constitute legal, financial, or tax advice. Confirm all options with licensed counsel or a qualified financial professional before signing any agreement.

Sources: NC General Statutes · HUD.gov · CFPB.gov

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