Foreclosure
Fast, local guidance for homeowners in financial hardship who need speed and clear direction.
✓Curated resourcesView resourcesHomeowners/Four Oaks, NC
Homeowner Resources in Four Oaks, NC
Local resources for homeowners in Four Oaks, 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✓Curated by a licensed Realtor
Resource categories for Four Oaks
Select a topic below to see local resources including government offices, attorneys, financial counselors, and nonprofit organizations.
Relocation
Relocation-focused selling support for homeowners moving to a new city, job, or life phase.
✓Curated resourcesView resourcesRelocating from Four Oaks? Sell fast with a cash offer
Get my cash offerProbate
Court-supervised probate and estate administration resources including filing requirements, timelines, and legal support.
✓Curated resourcesView resourcesSelling a home in probate? See a fast cash offer
Get my cash offerCode Violations
Resources for homeowners facing code enforcement notices, building code violations, minimum housing standards, or condemnation.
✓Curated resourcesView resourcesSee open code cases and activity around any Four Oaks address
Check my addressHOA Liens
Resources for homeowners behind on HOA dues facing liens, penalties, or HOA foreclosure.
✓Curated resourcesView resourcesVacant Property
Resources for owners of vacant homes including registration, insurance, maintenance, and sale options.
✓Curated resourcesView resourcesDone carrying a vacant Four Oaks home? Get a cash offer
Get my cash offerMilitary PCS
Resources for active-duty service members with PCS orders who need to sell their home quickly.
✓Curated resourcesView resourcesPCS orders and a home to sell fast? See your cash offer
Get my cash offerJob Loss
Resources for homeowners who have lost income — unemployment benefits, mortgage forbearance, and workforce retraining.
✓Curated resourcesView resourcesMedical Hardship
Resources for homeowners facing medical debt — hospital financial assistance, Medicaid, medical billing advocacy, and home protection.
✓Curated resourcesView resourcesIRS Tax Lien
Resources for homeowners with IRS federal tax liens — lien discharge, Fresh Start program, and Taxpayer Advocate.
✓Curated resourcesView resourcesHELOC Default
Resources for homeowners in default on a HELOC or second mortgage — settlement negotiation, lien stripping, and foreclosure defense.
✓Curated resourcesView resourcesMore local resources in Four Oaks
Verified local contacts for other situations Four Oaks homeowners face — attorneys, government offices, and financial counselors, organized by topic.
Inheritance
Inheritance Attorneys
Wilkins, Wellons & Coats (Jason H. Coats)
Jason H. Coats (Campbell University B.B.A., M.B.A. 2000; Campbell University J.D. 2003) has over 20 years of experience handling trusts, estates, wills, probate administration, business law, and civil litigation in Johnston County. Admitted to the NC Bar in 2003.
(919) 934-0553
Wilkins, Wellons & Coats — estate planning and probate141 East Market Street, Smithfield, NC 27577
Silver Eagle Law (Nick Fernez)
Nick Fernez (NC State summa cum laude, Penn State J.D./M.B.A.) handles estate planning, wills, trusts, and probate administration for Four Oaks and Johnston County families. Licensed in NC and all three federal districts. Founded his Smithfield practice in December 2024.
(919) 443-2311
Silver Eagle Law — estate planning388 Venture Drive, Suite A, Smithfield, NC 27577
Johnston County Probate and Court Services
Johnston County Clerk of Superior Court
County clerk office in Smithfield for foreclosure hearings, probate filings, estate administration, and civil proceedings for Four Oaks and all Johnston County residents. Clerk: Michelle Creech Ball.
(919) 209-5400
Johnston County Clerk of Court207 East Johnston Street, Smithfield, NC 27577
Housing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Four Oaks homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Johnston County.
Find a HUD-approved housing counselorJohnston-Lee-Harnett Community Action, Inc.
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency and default resolution counseling, pre-purchase counseling, rental housing assistance, and financial management and budget counseling.
(919) 934-2145
Johnston-Lee-Harnett Community Action housing counseling1102 Massey Street, Smithfield, NC 27577
North Carolina Housing Finance Agency Homeowner Help
State mortgage-delinquency and foreclosure-prevention guidance for North Carolina homeowners, with referrals to HUD-approved counseling agencies serving Johnston County.
NCHFA homeowner assistanceFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Raleigh Office (serves Johnston County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, eviction, debt collection, and family law assistance for low-income Johnston County residents. The Raleigh office serves Four Oaks and all of Johnston County.
Legal Aid NC Raleigh officeNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Four Oaks homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Johnston County.
NC Bar lawyer referral serviceInheritance Real Estate Agents in Four Oaks
Chamiese Evans — Licensed Realtor
Specializing in helping Four Oaks homeowners navigate inheritance situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comGet a no-obligation cash offer on the inherited Four Oaks home
Get my cash offerDivorce
Divorce Attorneys
Martin A. Tetreault, P.A.
Martin A. Tetreault (University of Arizona B.S. Mechanical Engineering 1988; University of Arizona J.D. with honors, Order of the Coif) has over 20 years of family law experience in Johnston County since opening his Smithfield practice in 2003. Handles divorce, separation, child custody, child support, equitable distribution, alimony, and domestic violence matters.
(919) 934-6670
Martin A. Tetreault — family law229 East Market Street, Smithfield, NC 27577
Stewart, Schmidlin, Bullock & Gourley, PLLC
Smithfield firm with over four decades of combined legal experience. Attorneys include a former judge and a former prosecutor. Handles family law (divorce, custody, child support), criminal defense, and business law throughout Johnston County including Four Oaks, Benson, and Selma.
(919) 989-8900
Stewart, Schmidlin, Bullock & Gourley — family law115 South 3rd Street, Smithfield, NC 27577
Domestic Violence and Family Safety Resources
Harbor, Inc. of Johnston County
Serving Johnston County since 1984. Provides 24-hour crisis line, emergency shelter (up to 45 days for women and children), counseling, court advocates, child advocates, safety planning, and referrals to legal services for domestic violence survivors. All services free and confidential.
Harbor, Inc. — domestic violence servicesNational Domestic Violence Hotline
24/7 confidential hotline for immediate safety planning, local referrals, and support by phone, text, or chat.
National Domestic Violence HotlineHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Four Oaks homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Johnston County.
Find a HUD-approved housing counselorJohnston-Lee-Harnett Community Action, Inc.
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency and default resolution counseling, pre-purchase counseling, rental housing assistance, and financial management and budget counseling.
(919) 934-2145
Johnston-Lee-Harnett Community Action housing counseling1102 Massey Street, Smithfield, NC 27577
North Carolina Housing Finance Agency Homeowner Help
State mortgage-delinquency and foreclosure-prevention guidance for North Carolina homeowners, with referrals to HUD-approved counseling agencies serving Johnston County.
NCHFA homeowner assistanceFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Raleigh Office (serves Johnston County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, eviction, debt collection, and family law assistance for low-income Johnston County residents. The Raleigh office serves Four Oaks and all of Johnston County.
Legal Aid NC Raleigh officeNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Four Oaks homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Johnston County.
NC Bar lawyer referral serviceDivorce Real Estate Agents in Four Oaks
Chamiese Evans — Licensed Realtor
Specializing in helping Four Oaks homeowners navigate divorce situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comNeed a clean, fast sale in a Four Oaks divorce? See your offer
Get my cash offerTax Liens
Tax and Debt Attorneys
Narron Wenzel, P.A. (David Mills)
David Mills (Campbell University B.A. and J.D.) has practiced in Johnston County since 1991. NC State Bar Board Certified Specialist in Business Bankruptcy Law and certified by the American Board of Certification. NCDRC Certified Mediator. Handles Chapter 7, Chapter 13, creditor-debtor matters, and agricultural bankruptcies for Four Oaks-area debtors.
(919) 934-0049
Narron Wenzel — David Mills, bankruptcy specialist102 South Third Street, Smithfield, NC 27577
Woodruff & Fortner (Gordon C. Woodruff)
Gordon C. Woodruff (Wake Forest J.D. 1976, UNC Chapel Hill B.A. 1973) has 49 years of experience in bankruptcy, real estate, and criminal defense. Martindale-Hubbell 4.8 peer rating. Handles Chapter 7 and Chapter 13 filings for Johnston, Harnett, Wayne, and Sampson county residents.
(919) 934-4000
Woodruff & Fortner — bankruptcy1023-B West Market Street, Smithfield, NC 27577
Tax Payment and Relief Offices
Johnston County Tax Administration
County tax office collecting real and personal property taxes for Four Oaks and all Johnston County jurisdictions, with online and phone payment options.
(919) 989-5120
Johnston County online tax payment207 East Johnston Street, Smithfield, NC 27577
Housing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Four Oaks homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Johnston County.
Find a HUD-approved housing counselorJohnston-Lee-Harnett Community Action, Inc.
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency and default resolution counseling, pre-purchase counseling, rental housing assistance, and financial management and budget counseling.
(919) 934-2145
Johnston-Lee-Harnett Community Action housing counseling1102 Massey Street, Smithfield, NC 27577
North Carolina Housing Finance Agency Homeowner Help
State mortgage-delinquency and foreclosure-prevention guidance for North Carolina homeowners, with referrals to HUD-approved counseling agencies serving Johnston County.
NCHFA homeowner assistanceFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Raleigh Office (serves Johnston County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, eviction, debt collection, and family law assistance for low-income Johnston County residents. The Raleigh office serves Four Oaks and all of Johnston County.
Legal Aid NC Raleigh officeNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Four Oaks homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Johnston County.
NC Bar lawyer referral serviceTax Liens Real Estate Agents in Four Oaks
Chamiese Evans — Licensed Realtor
Specializing in helping Four Oaks homeowners navigate tax liens situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comBankruptcy
Bankruptcy Attorneys
Narron Wenzel, P.A. (David Mills)
David Mills (Campbell University B.A. and J.D.) has practiced in Johnston County since 1991. NC State Bar Board Certified Specialist in Business Bankruptcy Law and certified by the American Board of Certification. NCDRC Certified Mediator. Handles Chapter 7, Chapter 13, creditor-debtor matters, and agricultural bankruptcies for Four Oaks-area debtors.
(919) 934-0049
Narron Wenzel — David Mills, bankruptcy specialist102 South Third Street, Smithfield, NC 27577
Woodruff & Fortner (Gordon C. Woodruff)
Gordon C. Woodruff (Wake Forest J.D. 1976, UNC Chapel Hill B.A. 1973) has 49 years of experience in bankruptcy, real estate, and criminal defense. Martindale-Hubbell 4.8 peer rating. Handles Chapter 7 and Chapter 13 filings for Johnston, Harnett, Wayne, and Sampson county residents.
(919) 934-4000
Woodruff & Fortner — bankruptcy1023-B West Market Street, Smithfield, NC 27577
Housing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Four Oaks homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Johnston County.
Find a HUD-approved housing counselorJohnston-Lee-Harnett Community Action, Inc.
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency and default resolution counseling, pre-purchase counseling, rental housing assistance, and financial management and budget counseling.
(919) 934-2145
Johnston-Lee-Harnett Community Action housing counseling1102 Massey Street, Smithfield, NC 27577
North Carolina Housing Finance Agency Homeowner Help
State mortgage-delinquency and foreclosure-prevention guidance for North Carolina homeowners, with referrals to HUD-approved counseling agencies serving Johnston County.
NCHFA homeowner assistanceFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Raleigh Office (serves Johnston County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, eviction, debt collection, and family law assistance for low-income Johnston County residents. The Raleigh office serves Four Oaks and all of Johnston County.
Legal Aid NC Raleigh officeNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Four Oaks homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Johnston County.
NC Bar lawyer referral serviceBankruptcy Real Estate Agents in Four Oaks
Chamiese Evans — Licensed Realtor
Specializing in helping Four Oaks homeowners navigate bankruptcy situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comFire / Storm Damage
Property Damage Attorneys
Wilkins, Wellons & Coats (Allen H. Wellons)
Allen H. Wellons (UNC Chapel Hill B.A. 1971) has been licensed for over 51 years with 49 years of real estate experience in Johnston County. The Smithfield firm was established in 1985 and holds a Martindale-Hubbell recognition (2026). Handles real estate transactions, closings, construction law, and property disputes for Four Oaks and Johnston County homeowners.
(919) 934-0553
Wilkins, Wellons & Coats — real estate law141 East Market Street, Smithfield, NC 27577
Silver Eagle Law (Nick Fernez)
Nick Fernez graduated summa cum laude from NC State University (2006, economics, political science, philosophy) and earned his J.D. and M.B.A. from Penn State (2010). Licensed in NC and all three U.S. District Courts. Founded Silver Eagle Law in December 2024. Over a decade of experience in real estate and estate planning for Johnston County clients.
(919) 443-2311
Silver Eagle Law — real estate and estate planning388 Venture Drive, Suite A, Smithfield, NC 27577
Housing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Four Oaks homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Johnston County.
Find a HUD-approved housing counselorJohnston-Lee-Harnett Community Action, Inc.
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency and default resolution counseling, pre-purchase counseling, rental housing assistance, and financial management and budget counseling.
(919) 934-2145
Johnston-Lee-Harnett Community Action housing counseling1102 Massey Street, Smithfield, NC 27577
North Carolina Housing Finance Agency Homeowner Help
State mortgage-delinquency and foreclosure-prevention guidance for North Carolina homeowners, with referrals to HUD-approved counseling agencies serving Johnston County.
NCHFA homeowner assistanceFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Raleigh Office (serves Johnston County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, eviction, debt collection, and family law assistance for low-income Johnston County residents. The Raleigh office serves Four Oaks and all of Johnston County.
Legal Aid NC Raleigh officeNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Four Oaks homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Johnston County.
NC Bar lawyer referral serviceFire / Storm Damage Real Estate Agents in Four Oaks
Chamiese Evans — Licensed Realtor
Specializing in helping Four Oaks homeowners navigate fire / storm damage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comStorm or fire damage? Get a cash offer, sold as-is
Get my cash offerUnderwater Mortgage
Underwater Mortgage Attorneys
Wilkins, Wellons & Coats (Allen H. Wellons)
Allen H. Wellons (UNC Chapel Hill B.A. 1971) has been licensed for over 51 years with 49 years of real estate experience in Johnston County. The Smithfield firm was established in 1985 and holds a Martindale-Hubbell recognition (2026). Handles real estate transactions, closings, construction law, and property disputes for Four Oaks and Johnston County homeowners.
(919) 934-0553
Wilkins, Wellons & Coats — real estate law141 East Market Street, Smithfield, NC 27577
Silver Eagle Law (Nick Fernez)
Nick Fernez graduated summa cum laude from NC State University (2006, economics, political science, philosophy) and earned his J.D. and M.B.A. from Penn State (2010). Licensed in NC and all three U.S. District Courts. Founded Silver Eagle Law in December 2024. Over a decade of experience in real estate and estate planning for Johnston County clients.
(919) 443-2311
Silver Eagle Law — real estate and estate planning388 Venture Drive, Suite A, Smithfield, NC 27577
Housing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Four Oaks homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Johnston County.
Find a HUD-approved housing counselorJohnston-Lee-Harnett Community Action, Inc.
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency and default resolution counseling, pre-purchase counseling, rental housing assistance, and financial management and budget counseling.
(919) 934-2145
Johnston-Lee-Harnett Community Action housing counseling1102 Massey Street, Smithfield, NC 27577
North Carolina Housing Finance Agency Homeowner Help
State mortgage-delinquency and foreclosure-prevention guidance for North Carolina homeowners, with referrals to HUD-approved counseling agencies serving Johnston County.
NCHFA homeowner assistanceFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Raleigh Office (serves Johnston County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, eviction, debt collection, and family law assistance for low-income Johnston County residents. The Raleigh office serves Four Oaks and all of Johnston County.
Legal Aid NC Raleigh officeNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Four Oaks homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Johnston County.
NC Bar lawyer referral serviceUnderwater Mortgage Real Estate Agents in Four Oaks
Chamiese Evans — Licensed Realtor
Specializing in helping Four Oaks homeowners navigate underwater mortgage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comUnderwater — or do you actually have equity? Find out free
See my home valueReverse Mortgage
Reverse Mortgage and Probate Attorneys
Wilkins, Wellons & Coats (Jason H. Coats)
Jason H. Coats (Campbell University B.B.A., M.B.A. 2000; Campbell University J.D. 2003) has over 20 years of experience handling trusts, estates, wills, probate administration, business law, and civil litigation in Johnston County. Admitted to the NC Bar in 2003.
(919) 934-0553
Wilkins, Wellons & Coats — estate planning and probate141 East Market Street, Smithfield, NC 27577
Silver Eagle Law (Nick Fernez)
Nick Fernez (NC State summa cum laude, Penn State J.D./M.B.A.) handles estate planning, wills, trusts, and probate administration for Four Oaks and Johnston County families. Licensed in NC and all three federal districts. Founded his Smithfield practice in December 2024.
(919) 443-2311
Silver Eagle Law — estate planning388 Venture Drive, Suite A, Smithfield, NC 27577
Senior Homeowner Support
Community & Senior Services of Johnston County
Non-profit providing transportation (JCATS), senior centers, meal programs, caregiver support, in-home assistance, and aging referrals for Four Oaks and Johnston County residents.
(919) 934-6066
Community & Senior Services of Johnston County1363 West Market Street, Smithfield, NC 27577
Central Pines Regional Council — Area Agency on Aging
Regional aging services for Johnston, Wake, Durham, Chatham, Lee, Moore, and Orange counties. Provides home care, long-term care ombudsman, caregiver support, and resource navigation for residents age 60+.
(919) 549-0551
Central Pines Area Agency on Aging4307 Emperor Blvd, Suite 110, Durham, NC 27703
Housing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Four Oaks homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Johnston County.
Find a HUD-approved housing counselorJohnston-Lee-Harnett Community Action, Inc.
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency and default resolution counseling, pre-purchase counseling, rental housing assistance, and financial management and budget counseling.
(919) 934-2145
Johnston-Lee-Harnett Community Action housing counseling1102 Massey Street, Smithfield, NC 27577
North Carolina Housing Finance Agency Homeowner Help
State mortgage-delinquency and foreclosure-prevention guidance for North Carolina homeowners, with referrals to HUD-approved counseling agencies serving Johnston County.
NCHFA homeowner assistanceFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Raleigh Office (serves Johnston County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, eviction, debt collection, and family law assistance for low-income Johnston County residents. The Raleigh office serves Four Oaks and all of Johnston County.
Legal Aid NC Raleigh officeNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Four Oaks homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Johnston County.
NC Bar lawyer referral serviceReverse Mortgage Real Estate Agents in Four Oaks
Chamiese Evans — Licensed Realtor
Specializing in helping Four Oaks homeowners navigate reverse mortgage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comKnow exactly what your Four Oaks home is worth first
See my home valueJudgment Lien
Judgment Lien Attorneys
Wilkins, Wellons & Coats (Allen H. Wellons)
Allen H. Wellons (UNC Chapel Hill B.A. 1971) has been licensed for over 51 years with 49 years of real estate experience in Johnston County. The Smithfield firm was established in 1985 and holds a Martindale-Hubbell recognition (2026). Handles real estate transactions, closings, construction law, and property disputes for Four Oaks and Johnston County homeowners.
(919) 934-0553
Wilkins, Wellons & Coats — real estate law141 East Market Street, Smithfield, NC 27577
Silver Eagle Law (Nick Fernez)
Nick Fernez graduated summa cum laude from NC State University (2006, economics, political science, philosophy) and earned his J.D. and M.B.A. from Penn State (2010). Licensed in NC and all three U.S. District Courts. Founded Silver Eagle Law in December 2024. Over a decade of experience in real estate and estate planning for Johnston County clients.
(919) 443-2311
Silver Eagle Law — real estate and estate planning388 Venture Drive, Suite A, Smithfield, NC 27577
Housing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Four Oaks homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Johnston County.
Find a HUD-approved housing counselorJohnston-Lee-Harnett Community Action, Inc.
HUD-approved housing counseling agency serving Johnston County. Provides mortgage delinquency and default resolution counseling, pre-purchase counseling, rental housing assistance, and financial management and budget counseling.
(919) 934-2145
Johnston-Lee-Harnett Community Action housing counseling1102 Massey Street, Smithfield, NC 27577
North Carolina Housing Finance Agency Homeowner Help
State mortgage-delinquency and foreclosure-prevention guidance for North Carolina homeowners, with referrals to HUD-approved counseling agencies serving Johnston County.
NCHFA homeowner assistanceFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Raleigh Office (serves Johnston County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, eviction, debt collection, and family law assistance for low-income Johnston County residents. The Raleigh office serves Four Oaks and all of Johnston County.
Legal Aid NC Raleigh officeNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Four Oaks homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Johnston County.
NC Bar lawyer referral serviceJudgment Lien Real Estate Agents in Four Oaks
Chamiese Evans — Licensed Realtor
Specializing in helping Four Oaks homeowners navigate judgment lien situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comYour local real estate expert
Connect with a licensed Realtor who specializes in helping homeowners navigate homeowner situations in Four Oaks, 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.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
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