Homeowners/East Spencer, NC

Homeowner Resources in East Spencer, NC

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

Verified local resources19 resource categoriesCurated by a licensed Realtor

Need help with your East Spencer home?

Get an options reviewNo obligation · Free · Private

Resource categories for East Spencer

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

Bankruptcy

Resources for homeowners in Chapter 7 or Chapter 13 bankruptcy who need to sell their home.

Curated resourcesView resources

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 East Spencer address

Check my address

More local resources in East Spencer

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

Fire / Storm Damage

Disaster Recovery Resources

North Carolina Emergency Management

State emergency-management agency with severe-weather preparedness and recovery guidance for North Carolina households.

NC emergency management

SBA Disaster Loan Assistance

Federal low-interest disaster loans for homeowners repairing or replacing disaster-damaged property.

SBA disaster assistance

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

Salisbury nonprofit with HUD-certified counselors offering foreclosure intervention, credit counseling, and homeowner education for East Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

State foreclosure-prevention and mortgage-default guidance for North Carolina homeowners needing payment relief options.

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

Legal Aid of North Carolina - Greensboro Office (serves Rowan County)

Regional Legal Aid office serving Rowan County with civil legal services for housing, consumer debt, public benefits, and domestic-violence safety planning.

(336) 272-0148

122 N Elm St, Suite 700, Greensboro, NC 27401

Legal Aid NC Greensboro office

NC Bar Lawyer Referral Service

North Carolina Bar referral service offering lower-cost initial consultations when East Spencer residents need private counsel quickly.

NC Bar lawyer referral

Fire / Storm Damage Real Estate Agents in East Spencer

Chamiese Evans — Licensed Realtor

Specializing in helping East Spencer 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

Get my cash offer
Military PCS

Veterans and Military Support

Rowan County Veterans Services

County veterans office assisting more than 14,000 Rowan County veterans and families with VA disability, pension, and survivor benefit claims. All services are free.

(704) 216-8138

1935 Jake Alexander Blvd W, Suite A-2, Salisbury, NC 28147

Rowan County veterans services

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

Salisbury nonprofit with HUD-certified counselors offering foreclosure intervention, credit counseling, and homeowner education for East Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

State foreclosure-prevention and mortgage-default guidance for North Carolina homeowners needing payment relief options.

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

Legal Aid of North Carolina - Greensboro Office (serves Rowan County)

Regional Legal Aid office serving Rowan County with civil legal services for housing, consumer debt, public benefits, and domestic-violence safety planning.

(336) 272-0148

122 N Elm St, Suite 700, Greensboro, NC 27401

Legal Aid NC Greensboro office

NC Bar Lawyer Referral Service

North Carolina Bar referral service offering lower-cost initial consultations when East Spencer residents need private counsel quickly.

NC Bar lawyer referral

Military PCS Real Estate Agents in East Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

PCS orders and a home to sell fast? See your cash offer

Get my cash offer
Underwater Mortgage

Underwater Mortgage Attorneys

Koontz & Smith, Attorneys at Law (Earle Koontz)

Salisbury firm at 225 N Main St with nearly 30 years of combined experience handling real-estate closings, title searches, and property disputes for Rowan County homeowners. Earle Koontz has practiced in Salisbury since 1999 and is a past president of the Rowan County Bar Association.

(704) 636-2974

225 N Main St, Suite 304, Salisbury, NC 28144

Koontz and Smith real estate practice

Sean B. Sandison, Attorney at Law, PLLC

Salisbury attorney licensed since 2008 with an office near the Rowan County Courthouse; practice areas include real estate, foreclosure, and probate. Past president of the Rowan County Bar Association (2017-2018).

(704) 636-2080

315 N Main St, Salisbury, NC 28144

Sandison Law real estate and foreclosure

James Y. Faust, Attorney at Law, PLLC

AV Preeminent-rated Salisbury attorney with a J.D. from Case Western Reserve University (2002) handling residential and commercial real estate, easements, HOA matters, and mortgage disputes for Rowan County property owners.

(704) 633-4141

111 W Fisher St, Salisbury, NC 28144

James Faust real estate practice

Mortgage Servicer and Bank Loss-Mitigation Contacts

Truist Mortgage Assistance

Truist loss-mitigation contact for repayment plans, forbearance, and loan-modification review for qualified borrowers.

Truist mortgage help

Chase Mortgage Assistance

Chase loss-mitigation contact for repayment plans, forbearance, and loan-modification review for qualified borrowers.

Chase mortgage help

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

Salisbury nonprofit with HUD-certified counselors offering foreclosure intervention, credit counseling, and homeowner education for East Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

State foreclosure-prevention and mortgage-default guidance for North Carolina homeowners needing payment relief options.

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

Legal Aid of North Carolina - Greensboro Office (serves Rowan County)

Regional Legal Aid office serving Rowan County with civil legal services for housing, consumer debt, public benefits, and domestic-violence safety planning.

(336) 272-0148

122 N Elm St, Suite 700, Greensboro, NC 27401

Legal Aid NC Greensboro office

NC Bar Lawyer Referral Service

North Carolina Bar referral service offering lower-cost initial consultations when East Spencer residents need private counsel quickly.

NC Bar lawyer referral

Underwater Mortgage Real Estate Agents in East Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

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

See my home value
Job Loss

Employment and Benefit Resources

Job-Loss Debt Attorneys

Robert F. McLaughlin, Attorney at Law

Salisbury bankruptcy attorney with 48 years of experience handling Chapter 7, Chapter 11, and Chapter 13 filings, debt relief, and collections defense for Rowan County debtors.

(704) 633-2020

122 N Ellis St, Salisbury, NC 28144

Robert McLaughlin bankruptcy attorney

Bost Law Firm (William Vick Bost)

Salisbury firm on West Kerr Street serving Rowan, Davidson, Stanly, and Cabarrus counties for more than 37 years with Chapter 7 and Chapter 13 bankruptcy filings, foreclosure prevention, and debt relief.

(704) 637-0312

207 W Kerr St, Salisbury, NC 28144

Bost Law Firm bankruptcy services

Nardone Law (Kristen Nardone)

Concord bankruptcy firm led by Kristen Nardone, the only NC State Bar Board Certified Consumer Bankruptcy Specialist in Cabarrus or Rowan County. Over 20 years of experience in Chapter 7 and Chapter 13 filings.

(704) 784-9440

241 Church St NE, Concord, NC 28025

Nardone Law bankruptcy services

Mortgage Servicer and Bank Loss-Mitigation Contacts

Truist Mortgage Assistance

Truist loss-mitigation contact for repayment plans, forbearance, and loan-modification review for qualified borrowers.

Truist mortgage help

Chase Mortgage Assistance

Chase loss-mitigation contact for repayment plans, forbearance, and loan-modification review for qualified borrowers.

Chase mortgage help

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

Salisbury nonprofit with HUD-certified counselors offering foreclosure intervention, credit counseling, and homeowner education for East Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

State foreclosure-prevention and mortgage-default guidance for North Carolina homeowners needing payment relief options.

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

Legal Aid of North Carolina - Greensboro Office (serves Rowan County)

Regional Legal Aid office serving Rowan County with civil legal services for housing, consumer debt, public benefits, and domestic-violence safety planning.

(336) 272-0148

122 N Elm St, Suite 700, Greensboro, NC 27401

Legal Aid NC Greensboro office

NC Bar Lawyer Referral Service

North Carolina Bar referral service offering lower-cost initial consultations when East Spencer residents need private counsel quickly.

NC Bar lawyer referral

Job Loss Real Estate Agents in East Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com
Reverse Mortgage

Senior Homeowner Support

Rufty-Holmes Senior Center

Rowan County senior center for adults 55+ with benefits referrals, caregiver support, transportation links, and wellness programming in Salisbury.

(704) 216-7714

1120 S Martin Luther King Jr Ave, Salisbury, NC 28144

Rufty-Holmes Senior Center

Reverse Mortgage and Estate Attorneys

Nance & Overbey, PLLC (Brad Nance)

Salisbury firm founded in 2007 with attorneys Brad Nance (practicing since 2003) and Jon Overbey concentrating on estate administration, probate, real-estate transactions, and title work for Rowan County families.

(704) 637-5590

214 E Innes St, Salisbury, NC 28144

Nance and Overbey estate and probate

Graham M. Carlton, Attorney at Law, PLLC

Salisbury attorney with 43 years of experience in real estate, estate planning, power of attorney, and guardianship matters for Rowan County residents.

(704) 633-8486

109 W Council St, Salisbury, NC 28144

Graham Carlton estate and probate

Sean B. Sandison, Attorney at Law, PLLC

Salisbury attorney near the Rowan County Courthouse handling probate, wills, estates, and real-estate matters. Licensed since 2008 with a J.D. from Mercer University.

(704) 636-2080

315 N Main St, Salisbury, NC 28144

Sandison Law probate services

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

Salisbury nonprofit with HUD-certified counselors offering foreclosure intervention, credit counseling, and homeowner education for East Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

State foreclosure-prevention and mortgage-default guidance for North Carolina homeowners needing payment relief options.

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

Legal Aid of North Carolina - Greensboro Office (serves Rowan County)

Regional Legal Aid office serving Rowan County with civil legal services for housing, consumer debt, public benefits, and domestic-violence safety planning.

(336) 272-0148

122 N Elm St, Suite 700, Greensboro, NC 27401

Legal Aid NC Greensboro office

NC Bar Lawyer Referral Service

North Carolina Bar referral service offering lower-cost initial consultations when East Spencer residents need private counsel quickly.

NC Bar lawyer referral

Reverse Mortgage Real Estate Agents in East Spencer

Chamiese Evans — Licensed Realtor

Specializing in helping East Spencer 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 East Spencer home is worth first

See my home value
IRS Tax Lien

IRS and Taxpayer Help

IRS Lien and Debt Attorneys

Robert F. McLaughlin, Attorney at Law

Salisbury bankruptcy attorney with 48 years of experience handling Chapter 7, Chapter 11, and Chapter 13 filings, debt relief, and collections defense for Rowan County debtors.

(704) 633-2020

122 N Ellis St, Salisbury, NC 28144

Robert McLaughlin bankruptcy attorney

Bost Law Firm (William Vick Bost)

Salisbury firm on West Kerr Street serving Rowan, Davidson, Stanly, and Cabarrus counties for more than 37 years with Chapter 7 and Chapter 13 bankruptcy filings, foreclosure prevention, and debt relief.

(704) 637-0312

207 W Kerr St, Salisbury, NC 28144

Bost Law Firm bankruptcy services

Nardone Law (Kristen Nardone)

Concord bankruptcy firm led by Kristen Nardone, the only NC State Bar Board Certified Consumer Bankruptcy Specialist in Cabarrus or Rowan County. Over 20 years of experience in Chapter 7 and Chapter 13 filings.

(704) 784-9440

241 Church St NE, Concord, NC 28025

Nardone Law bankruptcy services

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

Salisbury nonprofit with HUD-certified counselors offering foreclosure intervention, credit counseling, and homeowner education for East Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

State foreclosure-prevention and mortgage-default guidance for North Carolina homeowners needing payment relief options.

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

Legal Aid of North Carolina - Greensboro Office (serves Rowan County)

Regional Legal Aid office serving Rowan County with civil legal services for housing, consumer debt, public benefits, and domestic-violence safety planning.

(336) 272-0148

122 N Elm St, Suite 700, Greensboro, NC 27401

Legal Aid NC Greensboro office

NC Bar Lawyer Referral Service

North Carolina Bar referral service offering lower-cost initial consultations when East Spencer residents need private counsel quickly.

NC Bar lawyer referral

IRS Tax Lien Real Estate Agents in East Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com
HELOC Default

HELOC and Foreclosure Attorneys

Koontz & Smith, Attorneys at Law (Earle Koontz)

Salisbury firm at 225 N Main St with nearly 30 years of combined experience handling real-estate closings, title searches, and property disputes for Rowan County homeowners. Earle Koontz has practiced in Salisbury since 1999 and is a past president of the Rowan County Bar Association.

(704) 636-2974

225 N Main St, Suite 304, Salisbury, NC 28144

Koontz and Smith real estate practice

Sean B. Sandison, Attorney at Law, PLLC

Salisbury attorney licensed since 2008 with an office near the Rowan County Courthouse; practice areas include real estate, foreclosure, and probate. Past president of the Rowan County Bar Association (2017-2018).

(704) 636-2080

315 N Main St, Salisbury, NC 28144

Sandison Law real estate and foreclosure

James Y. Faust, Attorney at Law, PLLC

AV Preeminent-rated Salisbury attorney with a J.D. from Case Western Reserve University (2002) handling residential and commercial real estate, easements, HOA matters, and mortgage disputes for Rowan County property owners.

(704) 633-4141

111 W Fisher St, Salisbury, NC 28144

James Faust real estate practice

Mortgage Servicer and Bank Loss-Mitigation Contacts

Truist Mortgage Assistance

Truist loss-mitigation contact for repayment plans, forbearance, and loan-modification review for qualified borrowers.

Truist mortgage help

Chase Mortgage Assistance

Chase loss-mitigation contact for repayment plans, forbearance, and loan-modification review for qualified borrowers.

Chase mortgage help

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

Salisbury nonprofit with HUD-certified counselors offering foreclosure intervention, credit counseling, and homeowner education for East Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

State foreclosure-prevention and mortgage-default guidance for North Carolina homeowners needing payment relief options.

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

Legal Aid of North Carolina - Greensboro Office (serves Rowan County)

Regional Legal Aid office serving Rowan County with civil legal services for housing, consumer debt, public benefits, and domestic-violence safety planning.

(336) 272-0148

122 N Elm St, Suite 700, Greensboro, NC 27401

Legal Aid NC Greensboro office

NC Bar Lawyer Referral Service

North Carolina Bar referral service offering lower-cost initial consultations when East Spencer residents need private counsel quickly.

NC Bar lawyer referral

HELOC Default Real Estate Agents in East Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com
Judgment Lien

Judgment and Lien Defense Attorneys

Koontz & Smith, Attorneys at Law (Earle Koontz)

Salisbury firm at 225 N Main St with nearly 30 years of combined experience handling real-estate closings, title searches, and property disputes for Rowan County homeowners. Earle Koontz has practiced in Salisbury since 1999 and is a past president of the Rowan County Bar Association.

(704) 636-2974

225 N Main St, Suite 304, Salisbury, NC 28144

Koontz and Smith real estate practice

Sean B. Sandison, Attorney at Law, PLLC

Salisbury attorney licensed since 2008 with an office near the Rowan County Courthouse; practice areas include real estate, foreclosure, and probate. Past president of the Rowan County Bar Association (2017-2018).

(704) 636-2080

315 N Main St, Salisbury, NC 28144

Sandison Law real estate and foreclosure

James Y. Faust, Attorney at Law, PLLC

AV Preeminent-rated Salisbury attorney with a J.D. from Case Western Reserve University (2002) handling residential and commercial real estate, easements, HOA matters, and mortgage disputes for Rowan County property owners.

(704) 633-4141

111 W Fisher St, Salisbury, NC 28144

James Faust real estate practice

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

Salisbury nonprofit with HUD-certified counselors offering foreclosure intervention, credit counseling, and homeowner education for East Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

State foreclosure-prevention and mortgage-default guidance for North Carolina homeowners needing payment relief options.

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

Legal Aid of North Carolina - Greensboro Office (serves Rowan County)

Regional Legal Aid office serving Rowan County with civil legal services for housing, consumer debt, public benefits, and domestic-violence safety planning.

(336) 272-0148

122 N Elm St, Suite 700, Greensboro, NC 27401

Legal Aid NC Greensboro office

NC Bar Lawyer Referral Service

North Carolina Bar referral service offering lower-cost initial consultations when East Spencer residents need private counsel quickly.

NC Bar lawyer referral

Judgment Lien Real Estate Agents in East Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Your local real estate expert

Connect with a licensed Realtor who specializes in helping homeowners navigate homeowner situations in East Spencer, 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.

Visit listrobin.com

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

Need help with your East Spencer home?

Share your situation and get a no-obligation options review for your East Spencer, NC property.

No obligationFree to useYour info stays private