Homeowners/Clayton, NC
Homeowner Resources in Clayton, NC
Local resources for homeowners in Clayton, NC dealing with foreclosure, probate, tax liens, bankruptcy, and other difficult situations. Real contacts, phone numbers, and next steps.
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More local resources in Clayton
Verified local contacts for other situations Clayton homeowners face — attorneys, government offices, and financial counselors, organized by topic.
Foreclosure
Major Lender Loss Mitigation Contacts
Wells Fargo - Loss Mitigation
Forbearance, Loan modification, Repayment plan. 2 Clayton-area locations.
Wells Fargo assistanceBank of America - Loss Mitigation
Forbearance, Loan modification, Repayment plan. 1 Clayton-area locations.
Bank of America assistanceTruist - Loss Mitigation
Forbearance, Trial plans, Repayment plans. 2 Clayton-area locations.
Truist assistanceChase - Loss Mitigation
Forbearance, Loan modification, Repayment plan. 1 Clayton-area locations.
Chase assistanceFirst Horizon - Loss Mitigation
Forbearance, Loan modification, Repayment plan.
First Horizon assistanceState Employees' Credit Union (SECU) - Loss Mitigation
Reduced monthly payments, Forbearance, Loan modification or refinance. 1 Clayton-area locations.
State Employees' Credit Union (SECU) assistanceFirst Citizens Bank - Loss Mitigation
Payment assistance review, Loan modification, Forbearance options. 2 Clayton-area locations.
First Citizens Bank assistanceHUD and Homeownership Counseling
Johnston-Lee-Harnett Community Action
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency counseling, pre-purchase counseling, and rental housing assistance.
JLHCA housing counselingHUD National Counselor Hotline
Referral line for HUD-approved housing counselors serving Clayton and Johnston County households.
Find a HUD counselorNC Housing Finance Agency Foreclosure Help
State mortgage-assistance and foreclosure-prevention resources for qualifying homeowners.
NCHFA homeowner resourcesCommunity Hardship Support
Johnston County Department of Social Services
County services for Medicaid, SNAP, Work First (TANF), energy assistance, and emergency support.
Johnston County DSSCFPB Mortgage Help
Federal homeowner resources for mortgage-servicing problems and foreclosure-risk planning.
CFPB homeowner helpCall 211
Local referrals for utility, food, shelter, and emergency financial-assistance programs.
Call 211Foreclosure Defense Attorneys in Clayton
Spence, Carter & Reed, PA
Attorney Robert A. Spence Jr. is NC State Bar Board Certified Specialist in Real Property — Residential Transactions. UNC Chapel Hill J.D. (graduated magna cum laude from Wesleyan). Admitted 1975. Firm has served Johnston County for 50+ years.
Spence Carter & ReedNarron Wenzel, P.A.
Established 1975 in Johnston County. Attorney Kemp Mosley (Wake Forest J.D. 2011) is Chairman of the NC Bar Association Estate Planning & Fiduciary Law Section (2025-26). Super Lawyers 2025. Handles commercial and residential real estate litigation.
Narron WenzelPadovano & Zillioux, PLLC
Attorney Kristen Laurenti Zillioux has been licensed in NC for 28 years and is a 25+ year Clayton resident. Handles residential and commercial real estate closings and foreclosure-related matters. Downtown Clayton office.
Padovano & ZilliouxEmery D. Ashley, Attorney at Law
Attorney Emery Ashley (Campbell University J.D. 1989) has practiced in Smithfield for approximately 37 years. Handles commercial and residential real estate, estate planning, probate, and business law.
Emery Ashley LawFree Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceForeclosure Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate foreclosure situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comInheritance
Probate & Estate Attorneys in Clayton
Carolina Family Estate Planning
Founded 2009 by Attorney Jackie Bedard (MIT B.S., University of Richmond J.D. magna cum laude). Certified Dementia Practitioner. NC SuperLawyers Rising Star 2016-2020. Business NC Legal Elite 2019-2022. Avvo 10/10 in estate planning. Clayton office.
Carolina Family Estate PlanningLaw Offices of Nicole LaDuca Quinn, PLLC
Attorney Nicole LaDuca Quinn is licensed in NC and NJ. J.D. from New York Law School. Over 20 years serving the Clayton community in estate planning, wills, trusts, probate, and real estate closings.
Nicole Quinn LawNarron Wenzel, P.A.
Attorney Kemp Mosley (Wake Forest J.D. 2011) concentrates in estates, trusts, civil litigation, and guardianships. Current Chairman of NC Bar Association Estate Planning & Fiduciary Law Section (2025-26). Super Lawyers 2025. Business NC Legal Elite 2024-2025.
Narron Wenzel estatesEmery D. Ashley, Attorney at Law
Attorney Emery Ashley (Campbell University J.D. 1989) handles estate planning, probate, wills, and estate administration. One of the longest-practicing solo attorneys in Smithfield serving Johnston County families for 37+ years.
Emery Ashley estatesFree Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceJohnston County Courts
Johnston County Clerk of Superior Court
Handles probate, estate administration, foreclosure filings, guardianship, and adoption. The Clerk serves as the de facto Probate Judge in NC. Officeholder: Michelle Creech Ball.
Johnston County CourtsInheritance Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate inheritance situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comDivorce
Family Law Attorneys in Clayton
Robert S. Pleasant, Attorney at Law
Attorney Robert Pleasant (UNC Chapel Hill J.D. 1994) has practiced family law in Johnston County since 1994 (30+ years). Solo practice since 2001. AV Peer Review Rated by Martindale-Hubbell. Handles divorce, custody, child support, alimony, and adoption.
Robert Pleasant LawBreeden Law Office
Attorney Jonathan Breeden (Campbell University J.D. 2000, NC State B.A. 1996) has practiced family law for over 25 years. Settled in Johnston County to serve the area's growing families. Handles divorce, custody, domestic violence, and adoption.
Breeden Law OfficeAllen R. Tew, P.A.
Attorney Allen Tew has over 50 years of legal experience in Clayton (University of South Carolina J.D.). Admitted to US District Court, Eastern District of NC 1974 and US Court of Appeals, 4th Circuit 1980. AV Preeminent Martindale-Hubbell rating.
Allen Tew LawMast Law Firm
Serving Johnston County since 1962 (60+ years). Family law attorneys with four decades of combined experience in divorce, custody, child support, and domestic matters. Also handles estate planning and personal injury.
Mast Law FirmFree Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceDivorce Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate divorce situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comRelocation
HUD and Homeownership Counseling
Johnston-Lee-Harnett Community Action
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency counseling, pre-purchase counseling, and rental housing assistance.
JLHCA housing counselingHUD National Counselor Hotline
Referral line for HUD-approved housing counselors serving Clayton and Johnston County households.
Find a HUD counselorNC Housing Finance Agency Foreclosure Help
State mortgage-assistance and foreclosure-prevention resources for qualifying homeowners.
NCHFA homeowner resourcesCommunity Hardship Support
Johnston County Department of Social Services
County services for Medicaid, SNAP, Work First (TANF), energy assistance, and emergency support.
Johnston County DSSCFPB Mortgage Help
Federal homeowner resources for mortgage-servicing problems and foreclosure-risk planning.
CFPB homeowner helpCall 211
Local referrals for utility, food, shelter, and emergency financial-assistance programs.
Call 211Relocation Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate relocation situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comTax Liens
Johnston County Tax Office
Johnston County Tax Administration
Property tax bills, payment plans, delinquent tax inquiries. Contact early if you have difficulty paying.
Pay property taxes onlineHUD and Homeownership Counseling
Johnston-Lee-Harnett Community Action
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency counseling, pre-purchase counseling, and rental housing assistance.
JLHCA housing counselingHUD National Counselor Hotline
Referral line for HUD-approved housing counselors serving Clayton and Johnston County households.
Find a HUD counselorNC Housing Finance Agency Foreclosure Help
State mortgage-assistance and foreclosure-prevention resources for qualifying homeowners.
NCHFA homeowner resourcesCommunity Hardship Support
Johnston County Department of Social Services
County services for Medicaid, SNAP, Work First (TANF), energy assistance, and emergency support.
Johnston County DSSCFPB Mortgage Help
Federal homeowner resources for mortgage-servicing problems and foreclosure-risk planning.
CFPB homeowner helpCall 211
Local referrals for utility, food, shelter, and emergency financial-assistance programs.
Call 211Free Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceTax Liens Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate tax liens situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comProbate
Johnston County Probate Court
Johnston County Clerk of Superior Court
Handles probate, estate administration, foreclosure filings, guardianship, and adoption. The Clerk serves as the de facto Probate Judge in NC. Officeholder: Michelle Creech Ball. 11 Judicial District.
Johnston County CourtsProbate & Estate Attorneys in Clayton
Carolina Family Estate Planning
Founded 2009 by Attorney Jackie Bedard (MIT B.S., University of Richmond J.D. magna cum laude). Certified Dementia Practitioner. NC SuperLawyers Rising Star 2016-2020. Business NC Legal Elite 2019-2022. Avvo 10/10 in estate planning. Clayton office.
Carolina Family Estate PlanningLaw Offices of Nicole LaDuca Quinn, PLLC
Attorney Nicole LaDuca Quinn is licensed in NC and NJ. J.D. from New York Law School. Over 20 years serving the Clayton community in estate planning, wills, trusts, probate, and real estate closings.
Nicole Quinn LawNarron Wenzel, P.A.
Attorney Kemp Mosley (Wake Forest J.D. 2011) concentrates in estates, trusts, civil litigation, and guardianships. Current Chairman of NC Bar Association Estate Planning & Fiduciary Law Section (2025-26). Super Lawyers 2025. Business NC Legal Elite 2024-2025.
Narron Wenzel estatesEmery D. Ashley, Attorney at Law
Attorney Emery Ashley (Campbell University J.D. 1989) handles estate planning, probate, wills, and estate administration. One of the longest-practicing solo attorneys in Smithfield serving Johnston County families for 37+ years.
Emery Ashley estatesFree Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceProbate Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate probate situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comBankruptcy
Federal Bankruptcy Court
US Bankruptcy Court, Eastern District of NC
Federal bankruptcy court handling Chapter 7 and Chapter 13 filings for Johnston County. Raleigh Division. NC Homestead Exemption: $35,000 ($60,000 if 65 or older).
Century Station Federal Building, 300 Fayetteville St, 4th Floor, Raleigh, NC 27601
Bankruptcy Attorneys in Clayton
Fabricius & Fabricius, PLLC
Attorney Erich M. Fabricius is a NC State Bar Board Certified Specialist in Consumer Bankruptcy Law. Former law clerk at the US Bankruptcy Court (2 years). NACBA member. Handles Chapter 7, Chapter 13, and debt litigation. Knightdale office serves Johnston County.
Fabricius LawPadovano & Zillioux, PLLC
Attorney Kristen Zillioux handles consumer bankruptcy filings alongside real estate practice. Licensed 28 years in NC. Located in downtown Clayton — the most convenient bankruptcy firm for Clayton homeowners.
Padovano & Zillioux bankruptcySasser Law Firm
Attorney Travis Sasser is a NC bankruptcy specialist serving the Triangle including Clayton and Johnston County. BBB-accredited since 2021. Named to Super Lawyers. Handles Chapter 7, Chapter 11, and Chapter 13 cases. Free consultations.
Sasser BankruptcyFree Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceBankruptcy Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate bankruptcy situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comCode Violations
Clayton Code Enforcement
Town of Clayton Code Enforcement
Code violations, nuisances, junked vehicles, unsightly lots, overgrown grass, and zoning complaints.
Code Enforcement websiteFree Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceCode Violations Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate code violations situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comHOA Liens
HOA Attorneys Serving Clayton
Jordan Price Wall Gray Jones & Carlton, PLLC
Represents over 1,000 community associations across NC including Johnston County developments. Over 30 years of HOA law experience. Handles assessment collection, lien foreclosure, architectural enforcement, and covenant drafting.
Jordan Price HOA LawBagwell Holt Smith, P.A.
Attorney Michael R. Ganley leads the community association practice serving NC and SC. Handles covenant enforcement, assessment collection, lien foreclosure, governing document amendments, and board governance. Morrisville office serves Johnston County.
(984) 208-09503000 Aerial Center Pkwy, Suite 100, Morrisville, NC 27560
Bagwell Holt Smith HOAFree Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceHOA Liens Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate hoa liens situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comFire / Storm Damage
Emergency & Disaster Resources
FEMA Region 4
Federal disaster declarations, individual assistance, and temporary housing for NC/SC.
FEMA Region 4NC Division of Emergency Management
State-level disaster response, recovery programs, and individual assistance.
NC Emergency ManagementSBA Disaster Loans
Low-interest disaster loans for homeowners to repair or replace damaged property.
SBA Disaster LoansHUD and Homeownership Counseling
Johnston-Lee-Harnett Community Action
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency counseling, pre-purchase counseling, and rental housing assistance.
JLHCA housing counselingHUD National Counselor Hotline
Referral line for HUD-approved housing counselors serving Clayton and Johnston County households.
Find a HUD counselorNC Housing Finance Agency Foreclosure Help
State mortgage-assistance and foreclosure-prevention resources for qualifying homeowners.
NCHFA homeowner resourcesCommunity Hardship Support
Johnston County Department of Social Services
County services for Medicaid, SNAP, Work First (TANF), energy assistance, and emergency support.
Johnston County DSSCFPB Mortgage Help
Federal homeowner resources for mortgage-servicing problems and foreclosure-risk planning.
CFPB homeowner helpCall 211
Local referrals for utility, food, shelter, and emergency financial-assistance programs.
Call 211Free Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceFire / Storm Damage Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate fire / storm damage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comVacant Property
HUD and Homeownership Counseling
Johnston-Lee-Harnett Community Action
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency counseling, pre-purchase counseling, and rental housing assistance.
JLHCA housing counselingHUD National Counselor Hotline
Referral line for HUD-approved housing counselors serving Clayton and Johnston County households.
Find a HUD counselorNC Housing Finance Agency Foreclosure Help
State mortgage-assistance and foreclosure-prevention resources for qualifying homeowners.
NCHFA homeowner resourcesCommunity Hardship Support
Johnston County Department of Social Services
County services for Medicaid, SNAP, Work First (TANF), energy assistance, and emergency support.
Johnston County DSSCFPB Mortgage Help
Federal homeowner resources for mortgage-servicing problems and foreclosure-risk planning.
CFPB homeowner helpCall 211
Local referrals for utility, food, shelter, and emergency financial-assistance programs.
Call 211Free Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceVacant Property Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate vacant property situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comMilitary PCS
Veteran & Military Services in Clayton
Johnston County Veterans Services
Assists veterans and dependents with VA claims, benefits counseling, and referrals.
Johnston County Veterans ServicesVA Regional Office - Winston-Salem
Disability claims, home loan certificates, and veteran benefits. Serves all of North Carolina.
VA Regional OfficeHUD and Homeownership Counseling
Johnston-Lee-Harnett Community Action
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency counseling, pre-purchase counseling, and rental housing assistance.
JLHCA housing counselingHUD National Counselor Hotline
Referral line for HUD-approved housing counselors serving Clayton and Johnston County households.
Find a HUD counselorNC Housing Finance Agency Foreclosure Help
State mortgage-assistance and foreclosure-prevention resources for qualifying homeowners.
NCHFA homeowner resourcesCommunity Hardship Support
Johnston County Department of Social Services
County services for Medicaid, SNAP, Work First (TANF), energy assistance, and emergency support.
Johnston County DSSCFPB Mortgage Help
Federal homeowner resources for mortgage-servicing problems and foreclosure-risk planning.
CFPB homeowner helpCall 211
Local referrals for utility, food, shelter, and emergency financial-assistance programs.
Call 211Free Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceMilitary PCS Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate military pcs situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comUnderwater Mortgage
Short Sale & Foreclosure Defense Attorneys in Clayton
Spence, Carter & Reed, PA
Attorney Robert A. Spence Jr. is NC State Bar Board Certified Specialist in Real Property — Residential Transactions. UNC Chapel Hill J.D. (graduated magna cum laude from Wesleyan). Admitted 1975. Firm has served Johnston County for 50+ years.
Spence Carter & ReedNarron Wenzel, P.A.
Established 1975 in Johnston County. Attorney Kemp Mosley (Wake Forest J.D. 2011) is Chairman of the NC Bar Association Estate Planning & Fiduciary Law Section (2025-26). Super Lawyers 2025. Handles commercial and residential real estate litigation.
Narron WenzelPadovano & Zillioux, PLLC
Attorney Kristen Laurenti Zillioux has been licensed in NC for 28 years and is a 25+ year Clayton resident. Handles residential and commercial real estate closings and foreclosure-related matters. Downtown Clayton office.
Padovano & ZilliouxEmery D. Ashley, Attorney at Law
Attorney Emery Ashley (Campbell University J.D. 1989) has practiced in Smithfield for approximately 37 years. Handles commercial and residential real estate, estate planning, probate, and business law.
Emery Ashley LawHousing Counseling & Federal Resources
NC State Home Foreclosure Prevention Project
Free connection to a HUD-approved housing counselor. Covers short sale, loan modification, and forbearance options.
NC Housing Finance AgencyCFPB Help for Homeowners
Federal resources for loss mitigation, servicer communication, forbearance options, and filing complaints.
CFPB homeowner helpFree Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceUnderwater Mortgage Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate underwater mortgage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comJob Loss
Unemployment & Workforce Resources in Clayton
NCWorks Career Center — Johnston County
Job search assistance, career counseling, resume help, and workforce retraining programs for Johnston County residents.
NCWorks websiteJohnston County DSS - Work First
Employment assistance and emergency support for Johnston County families experiencing job loss.
Johnston County DSSUnemployment 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.
NC DES unemploymentHUD and Homeownership Counseling
Johnston-Lee-Harnett Community Action
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency counseling, pre-purchase counseling, and rental housing assistance.
JLHCA housing counselingHUD National Counselor Hotline
Referral line for HUD-approved housing counselors serving Clayton and Johnston County households.
Find a HUD counselorNC Housing Finance Agency Foreclosure Help
State mortgage-assistance and foreclosure-prevention resources for qualifying homeowners.
NCHFA homeowner resourcesCommunity Hardship Support
Johnston County Department of Social Services
County services for Medicaid, SNAP, Work First (TANF), energy assistance, and emergency support.
Johnston County DSSCFPB Mortgage Help
Federal homeowner resources for mortgage-servicing problems and foreclosure-risk planning.
CFPB homeowner helpCall 211
Local referrals for utility, food, shelter, and emergency financial-assistance programs.
Call 211Free Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceJob Loss Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate job loss situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comMedical Hardship
Hospital Financial Assistance in Clayton
UNC Health Johnston - Clayton
Johnston County hospital system with Clayton location. Financial assistance available for qualifying patients through the UNC Health financial counseling program.
UNC Health JohnstonMedical Billing & Legal Help
NC Medicaid Enrollment
NC expanded Medicaid December 2023. Adults with income up to 138% FPL now qualify.
NC Medicaid enrollmentFree Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceMedical Hardship Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate medical hardship situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comReverse Mortgage
Reverse Mortgage Counseling in Clayton
Johnston-Lee-Harnett Community Action — HUD Counseling
HUD-approved housing counseling agency serving Johnston County. Provides reverse mortgage (HECM) counseling and homeowner assistance.
JLHCA counselingNCOA Free Reverse Mortgage Counseling
National Council on Aging offers free reverse mortgage counseling for adults 62+ through GreenPath Financial Wellness.
NCOA reverse mortgage counselingProbate & Estate Attorneys in Clayton
Carolina Family Estate Planning
Founded 2009 by Attorney Jackie Bedard (MIT B.S., University of Richmond J.D. magna cum laude). Certified Dementia Practitioner. NC SuperLawyers Rising Star 2016-2020. Business NC Legal Elite 2019-2022. Avvo 10/10 in estate planning. Clayton office.
Carolina Family Estate PlanningLaw Offices of Nicole LaDuca Quinn, PLLC
Attorney Nicole LaDuca Quinn is licensed in NC and NJ. J.D. from New York Law School. Over 20 years serving the Clayton community in estate planning, wills, trusts, probate, and real estate closings.
Nicole Quinn LawNarron Wenzel, P.A.
Attorney Kemp Mosley (Wake Forest J.D. 2011) concentrates in estates, trusts, civil litigation, and guardianships. Current Chairman of NC Bar Association Estate Planning & Fiduciary Law Section (2025-26). Super Lawyers 2025. Business NC Legal Elite 2024-2025.
Narron Wenzel estatesEmery D. Ashley, Attorney at Law
Attorney Emery Ashley (Campbell University J.D. 1989) handles estate planning, probate, wills, and estate administration. One of the longest-practicing solo attorneys in Smithfield serving Johnston County families for 37+ years.
Emery Ashley estatesFree Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceReverse Mortgage Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate reverse mortgage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comIRS Tax Lien
IRS Offices & Taxpayer Assistance
IRS Taxpayer Assistance Center — Raleigh
In-person IRS help by appointment only. Serves Johnston County residents. Tax account questions, payments, and lien inquiries.
IRS Raleigh officeBankruptcy & Tax Attorneys in Clayton
Fabricius & Fabricius, PLLC
Attorney Erich M. Fabricius is a NC State Bar Board Certified Specialist in Consumer Bankruptcy Law. Former law clerk at the US Bankruptcy Court (2 years). NACBA member. Handles Chapter 7, Chapter 13, and debt litigation. Knightdale office serves Johnston County.
Fabricius LawPadovano & Zillioux, PLLC
Attorney Kristen Zillioux handles consumer bankruptcy filings alongside real estate practice. Licensed 28 years in NC. Located in downtown Clayton — the most convenient bankruptcy firm for Clayton homeowners.
Padovano & Zillioux bankruptcySasser Law Firm
Attorney Travis Sasser is a NC bankruptcy specialist serving the Triangle including Clayton and Johnston County. BBB-accredited since 2021. Named to Super Lawyers. Handles Chapter 7, Chapter 11, and Chapter 13 cases. Free consultations.
Sasser BankruptcyFree Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceIRS Tax Lien Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate irs tax lien situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comHELOC Default
Foreclosure Defense & HELOC Attorneys in Clayton
Spence, Carter & Reed, PA
Attorney Robert A. Spence Jr. is NC State Bar Board Certified Specialist in Real Property — Residential Transactions. UNC Chapel Hill J.D. (graduated magna cum laude from Wesleyan). Admitted 1975. Firm has served Johnston County for 50+ years.
Spence Carter & ReedNarron Wenzel, P.A.
Established 1975 in Johnston County. Attorney Kemp Mosley (Wake Forest J.D. 2011) is Chairman of the NC Bar Association Estate Planning & Fiduciary Law Section (2025-26). Super Lawyers 2025. Handles commercial and residential real estate litigation.
Narron WenzelPadovano & Zillioux, PLLC
Attorney Kristen Laurenti Zillioux has been licensed in NC for 28 years and is a 25+ year Clayton resident. Handles residential and commercial real estate closings and foreclosure-related matters. Downtown Clayton office.
Padovano & ZilliouxEmery D. Ashley, Attorney at Law
Attorney Emery Ashley (Campbell University J.D. 1989) has practiced in Smithfield for approximately 37 years. Handles commercial and residential real estate, estate planning, probate, and business law.
Emery Ashley LawHUD and Homeownership Counseling
Johnston-Lee-Harnett Community Action
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency counseling, pre-purchase counseling, and rental housing assistance.
JLHCA housing counselingHUD National Counselor Hotline
Referral line for HUD-approved housing counselors serving Clayton and Johnston County households.
Find a HUD counselorNC Housing Finance Agency Foreclosure Help
State mortgage-assistance and foreclosure-prevention resources for qualifying homeowners.
NCHFA homeowner resourcesCommunity Hardship Support
Johnston County Department of Social Services
County services for Medicaid, SNAP, Work First (TANF), energy assistance, and emergency support.
Johnston County DSSCFPB Mortgage Help
Federal homeowner resources for mortgage-servicing problems and foreclosure-risk planning.
CFPB homeowner helpCall 211
Local referrals for utility, food, shelter, and emergency financial-assistance programs.
Call 211Free Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceHELOC Default Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate heloc default situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comJudgment Lien
Creditor/Debtor Attorneys in Clayton
Spence, Carter & Reed, PA
Attorney Robert A. Spence Jr. is NC State Bar Board Certified Specialist in Real Property — Residential Transactions. UNC Chapel Hill J.D. (graduated magna cum laude from Wesleyan). Admitted 1975. Firm has served Johnston County for 50+ years.
Spence Carter & ReedNarron Wenzel, P.A.
Established 1975 in Johnston County. Attorney Kemp Mosley (Wake Forest J.D. 2011) is Chairman of the NC Bar Association Estate Planning & Fiduciary Law Section (2025-26). Super Lawyers 2025. Handles commercial and residential real estate litigation.
Narron WenzelPadovano & Zillioux, PLLC
Attorney Kristen Laurenti Zillioux has been licensed in NC for 28 years and is a 25+ year Clayton resident. Handles residential and commercial real estate closings and foreclosure-related matters. Downtown Clayton office.
Padovano & ZilliouxEmery D. Ashley, Attorney at Law
Attorney Emery Ashley (Campbell University J.D. 1989) has practiced in Smithfield for approximately 37 years. Handles commercial and residential real estate, estate planning, probate, and business law.
Emery Ashley LawHUD and Homeownership Counseling
Johnston-Lee-Harnett Community Action
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency counseling, pre-purchase counseling, and rental housing assistance.
JLHCA housing counselingHUD National Counselor Hotline
Referral line for HUD-approved housing counselors serving Clayton and Johnston County households.
Find a HUD counselorNC Housing Finance Agency Foreclosure Help
State mortgage-assistance and foreclosure-prevention resources for qualifying homeowners.
NCHFA homeowner resourcesCommunity Hardship Support
Johnston County Department of Social Services
County services for Medicaid, SNAP, Work First (TANF), energy assistance, and emergency support.
Johnston County DSSCFPB Mortgage Help
Federal homeowner resources for mortgage-servicing problems and foreclosure-risk planning.
CFPB homeowner helpCall 211
Local referrals for utility, food, shelter, and emergency financial-assistance programs.
Call 211Free Legal Aid
Legal Aid of North Carolina - Raleigh Office
Free civil legal services for low-income residents in Johnston and Wake counties. Covers housing, foreclosure, consumer, and family law matters. By appointment only.
(919) 828-46471425 Promise Beacon Circle, Suite 201, Raleigh, NC 27610
Legal Aid NC - RaleighLegal Aid of NC Statewide Helpline
Toll-free helpline for legal aid intake and referrals statewide.
Legal Aid NC helplineNC Bar Association Lawyer Referral Service
Statewide attorney referrals. $50 for initial 30-minute consultation.
NC Bar Referral ServiceJudgment Lien Real Estate Agents in Clayton
Chamiese Evans — Licensed Realtor
Specializing in helping Clayton homeowners navigate judgment lien situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comThinking about selling your Clayton 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 Clayton, NC.
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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.
Visit listrobin.comResearched 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
