Homeowners/Jefferson, NC
Homeowner Resources in Jefferson, NC
Local resources for homeowners in Jefferson, NC dealing with foreclosure, probate, tax liens, bankruptcy, and other difficult situations. Real contacts, phone numbers, and next steps.
✓19 resource categories
More local resources in Jefferson
Verified local contacts for other situations Jefferson homeowners face — attorneys, government offices, and financial counselors, organized by topic.
Foreclosure
Foreclosure Attorneys
Johnston & Johnston, P.L.L.C. (John C. Johnston)
Third-generation attorney with 30+ years of experience. Over 80 years in continuous operation, the longest continuously operating law firm in Ashe County. John C. Johnston is Jefferson's town attorney. Practice areas include real estate, estate planning, probate, and civil litigation.
Johnston & Johnston — real estate and civil litigationNiedosik Law, PLLC (Laura Elizabeth Niedosik)
Former real estate paralegal and NC licensed real estate broker. J.D. Charlotte School of Law on merit scholarship, B.A. Political Science Elon University, paralegal certificate Georgetown University. Specializes in residential and commercial real estate closings, title issues, and property transactions across NC. BBB-accredited business.
Niedosik Law — real estate closings and title issuesMortgage Servicer and Bank Loss-Mitigation Contacts
Wells Fargo Mortgage Assistance
Wells Fargo loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Wells Fargo mortgage helpBank of America Mortgage Assistance
Bank of America loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Bank of America mortgage helpTruist Mortgage Assistance
Truist loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Truist mortgage helpChase Mortgage Assistance
Chase loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Chase mortgage helpFirst Horizon Mortgage Assistance
First Horizon loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
First Horizon mortgage helpHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceForeclosure Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson homeowners navigate foreclosure situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comInheritance
Inheritance and Estate Attorneys
Jonathan C. Jordan, Attorney-At-Law
J.D. and M.P.A. from UNC Chapel Hill, M.B.A. from Vanderbilt University Owen Graduate School of Management, B.A. Economics and Politics with honors from Wake Forest University. 20+ years of experience. Former Stokes County Attorney. Former Guardian ad Litem Attorney Advocate for Alleghany County. Handles estate planning, real estate, and business law from his Jefferson office.
Jonathan C. Jordan — estate planning and real estateKilby & Hurley, Attorneys at Law (John T. Kilby)
John T. Kilby has 50 years of legal experience and served as a former judge. Admitted in NC, VA, and federal courts. Benjamin G. Hurley Jr. received Distinguished Martindale-Hubbell peer-review rating 2025. Firm handles wills, estates, real estate, family law, and civil litigation from their West Jefferson office.
Kilby & Hurley — wills, estates, and real estateAshe County Probate and Clerk Services
Ashe County Clerk of Superior Court
County clerk office in Jefferson for foreclosure hearings, probate filings, estate administration, and civil proceedings for Jefferson and all Ashe County residents.
Visit websiteHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceInheritance Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson homeowners navigate inheritance situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comDivorce
Divorce Attorneys
Garland Baker, PLLC (Garland Blaine Baker)
B.A. University of Mississippi 1978. Distinguished Martindale-Hubbell peer-review rating 2025. 39 years of practice handling criminal defense, civil litigation, and family law matters including divorce, custody, and alimony from his West Jefferson office.
Garland Baker — family law and civil litigationAdams & Ivey, PLLC (Whitney L. Ivey)
Drake University Law J.D., admitted NC 2008 and VA 2009. Town of Sparta attorney, hospital board member. NC Bar Association Real Estate Section and American Agricultural Law Association member. Handles family law, estate planning, real estate, and agriculture law from their Sparta office serving Ashe and Alleghany Counties.
Adams & Ivey — family law and estate planningDomestic Violence and Family Safety Resources
OASIS, Inc. — Domestic Violence Services (serves Ashe County)
Regional domestic violence and sexual assault crisis center serving Ashe, Alleghany, Surry, and Wilkes Counties. Provides 24-hour crisis hotline, emergency shelter, court accompaniment, and safety planning for survivors.
Domestic violence shelter resources near JeffersonNational 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 Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceDivorce Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson homeowners navigate divorce situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comRelocation
Sale and Relocation Attorneys
Johnston & Johnston, P.L.L.C. (John C. Johnston)
Third-generation attorney with 30+ years of experience. Over 80 years in continuous operation, the longest continuously operating law firm in Ashe County. John C. Johnston is Jefferson's town attorney. Practice areas include real estate, estate planning, probate, and civil litigation.
Johnston & Johnston — real estate and civil litigationNiedosik Law, PLLC (Laura Elizabeth Niedosik)
Former real estate paralegal and NC licensed real estate broker. J.D. Charlotte School of Law on merit scholarship, B.A. Political Science Elon University, paralegal certificate Georgetown University. Specializes in residential and commercial real estate closings, title issues, and property transactions across NC. BBB-accredited business.
Niedosik Law — real estate closings and title issuesHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceRelocation Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson homeowners navigate relocation situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comTax Liens
Tax Payment and Relief Offices
Ashe County Tax Administration
County tax office in Jefferson collecting real and personal property taxes for Jefferson and all Ashe County jurisdictions, with online payment options.
Visit websiteAshe County Tax Administration — Property Appraisal
County assessor functions for appraisal values, property listing, and assessment-related questions for Ashe County real property.
Visit websiteTax and Debt Attorneys
Reeves DiVenere Wright, Attorneys at Law (West Jefferson Office)
Firm established in 1973 with 40+ combined years of trial experience. Jak Reeves (Campbell Law 2004, lifelong High Country resident) and Tamara C. DiVenere (Duke B.A., UNC Law J.D.) handle Chapter 7 and Chapter 13 bankruptcy filings, debt relief, and creditor negotiations from their West Jefferson legacy office.
Reeves DiVenere Wright — bankruptcy and debt reliefHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceTax Liens Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson homeowners navigate tax liens situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comProbate
Probate Attorneys
Jonathan C. Jordan, Attorney-At-Law
J.D. and M.P.A. from UNC Chapel Hill, M.B.A. from Vanderbilt University Owen Graduate School of Management, B.A. Economics and Politics with honors from Wake Forest University. 20+ years of experience. Former Stokes County Attorney. Former Guardian ad Litem Attorney Advocate for Alleghany County. Handles estate planning, real estate, and business law from his Jefferson office.
Jonathan C. Jordan — estate planning and real estateKilby & Hurley, Attorneys at Law (John T. Kilby)
John T. Kilby has 50 years of legal experience and served as a former judge. Admitted in NC, VA, and federal courts. Benjamin G. Hurley Jr. received Distinguished Martindale-Hubbell peer-review rating 2025. Firm handles wills, estates, real estate, family law, and civil litigation from their West Jefferson office.
Kilby & Hurley — wills, estates, and real estateAshe County Probate and Clerk Services
Ashe County Clerk of Superior Court
County clerk office in Jefferson for foreclosure hearings, probate filings, estate administration, and civil proceedings for Jefferson and all Ashe County residents.
Visit websiteHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceProbate Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson homeowners navigate probate situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comBankruptcy
Bankruptcy Attorneys
Reeves DiVenere Wright, Attorneys at Law (West Jefferson Office)
Firm established in 1973 with 40+ combined years of trial experience. Jak Reeves (Campbell Law 2004, lifelong High Country resident) and Tamara C. DiVenere (Duke B.A., UNC Law J.D.) handle Chapter 7 and Chapter 13 bankruptcy filings, debt relief, and creditor negotiations from their West Jefferson legacy office.
Reeves DiVenere Wright — bankruptcy and debt reliefHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceBankruptcy Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson homeowners navigate bankruptcy situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comCode Violations
Code Enforcement Office
Ashe County Building Inspections
County building inspections office handling building code violations, zoning compliance, and property code matters for Jefferson and Ashe County residents.
Visit websiteProperty and Dispute Attorneys
Johnston & Johnston, P.L.L.C. (John C. Johnston)
Third-generation attorney with 30+ years of experience. Over 80 years in continuous operation, the longest continuously operating law firm in Ashe County. John C. Johnston is Jefferson's town attorney. Practice areas include real estate, estate planning, probate, and civil litigation.
Johnston & Johnston — real estate and civil litigationNiedosik Law, PLLC (Laura Elizabeth Niedosik)
Former real estate paralegal and NC licensed real estate broker. J.D. Charlotte School of Law on merit scholarship, B.A. Political Science Elon University, paralegal certificate Georgetown University. Specializes in residential and commercial real estate closings, title issues, and property transactions across NC. BBB-accredited business.
Niedosik Law — real estate closings and title issuesHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceCode Violations Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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 and Community Association Attorneys
Heather R. Klein, Attorney at Law
20+ years of experience. Alleghany County Attorney since 2021. Admitted to US District Court Western District of NC. NC State Bar Real Property Section member. Explicit HOA management practice. Handles real estate transactions, easements, trusts, and business law serving Alleghany and Ashe Counties.
Heather R. Klein — HOA and real estate lawHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceHOA Liens Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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
Disaster Recovery Resources
NC Emergency Management
State emergency-management agency with disaster preparedness, alerts, and recovery guidance for Ashe County households.
NC emergency management resourcesSBA Disaster Loan Assistance
Federal low-interest disaster-loan options for homeowners repairing or replacing eligible damaged property.
SBA disaster assistanceHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceFire / Storm Damage Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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
Property and Title Attorneys
Johnston & Johnston, P.L.L.C. (John C. Johnston)
Third-generation attorney with 30+ years of experience. Over 80 years in continuous operation, the longest continuously operating law firm in Ashe County. John C. Johnston is Jefferson's town attorney. Practice areas include real estate, estate planning, probate, and civil litigation.
Johnston & Johnston — real estate and civil litigationNiedosik Law, PLLC (Laura Elizabeth Niedosik)
Former real estate paralegal and NC licensed real estate broker. J.D. Charlotte School of Law on merit scholarship, B.A. Political Science Elon University, paralegal certificate Georgetown University. Specializes in residential and commercial real estate closings, title issues, and property transactions across NC. BBB-accredited business.
Niedosik Law — real estate closings and title issuesJonathan C. Jordan, Attorney-At-Law
J.D. and M.P.A. from UNC Chapel Hill, M.B.A. from Vanderbilt University Owen Graduate School of Management, B.A. Economics and Politics with honors from Wake Forest University. 20+ years of experience. Former Stokes County Attorney. Former Guardian ad Litem Attorney Advocate for Alleghany County. Handles estate planning, real estate, and business law from his Jefferson office.
Jonathan C. Jordan — estate planning and real estateKilby & Hurley, Attorneys at Law (John T. Kilby)
John T. Kilby has 50 years of legal experience and served as a former judge. Admitted in NC, VA, and federal courts. Benjamin G. Hurley Jr. received Distinguished Martindale-Hubbell peer-review rating 2025. Firm handles wills, estates, real estate, family law, and civil litigation from their West Jefferson office.
Kilby & Hurley — wills, estates, and real estateHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceVacant Property Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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
Veterans and Military Support
Ashe County Veterans Services Office
County veterans office in Jefferson assisting Ashe County veterans and dependents with VA benefits claims, pension, disability compensation, education benefits, and healthcare navigation.
Ashe County Veterans ServicesHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceMilitary PCS Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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
Underwater Mortgage Attorneys
Johnston & Johnston, P.L.L.C. (John C. Johnston)
Third-generation attorney with 30+ years of experience. Over 80 years in continuous operation, the longest continuously operating law firm in Ashe County. John C. Johnston is Jefferson's town attorney. Practice areas include real estate, estate planning, probate, and civil litigation.
Johnston & Johnston — real estate and civil litigationNiedosik Law, PLLC (Laura Elizabeth Niedosik)
Former real estate paralegal and NC licensed real estate broker. J.D. Charlotte School of Law on merit scholarship, B.A. Political Science Elon University, paralegal certificate Georgetown University. Specializes in residential and commercial real estate closings, title issues, and property transactions across NC. BBB-accredited business.
Niedosik Law — real estate closings and title issuesMortgage Servicer and Bank Loss-Mitigation Contacts
Wells Fargo Mortgage Assistance
Wells Fargo loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Wells Fargo mortgage helpBank of America Mortgage Assistance
Bank of America loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Bank of America mortgage helpTruist Mortgage Assistance
Truist loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Truist mortgage helpChase Mortgage Assistance
Chase loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Chase mortgage helpFirst Horizon Mortgage Assistance
First Horizon loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
First Horizon mortgage helpHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceUnderwater Mortgage Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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
Employment and Benefit Resources
NC Division of Employment Security
State unemployment insurance and workforce services portal for claim filing and reemployment resources for Ashe County residents.
NC DES unemployment resourcesJob-Loss Debt Attorneys
Reeves DiVenere Wright, Attorneys at Law (West Jefferson Office)
Firm established in 1973 with 40+ combined years of trial experience. Jak Reeves (Campbell Law 2004, lifelong High Country resident) and Tamara C. DiVenere (Duke B.A., UNC Law J.D.) handle Chapter 7 and Chapter 13 bankruptcy filings, debt relief, and creditor negotiations from their West Jefferson legacy office.
Reeves DiVenere Wright — bankruptcy and debt reliefMortgage Servicer and Bank Loss-Mitigation Contacts
Wells Fargo Mortgage Assistance
Wells Fargo loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Wells Fargo mortgage helpBank of America Mortgage Assistance
Bank of America loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Bank of America mortgage helpTruist Mortgage Assistance
Truist loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Truist mortgage helpChase Mortgage Assistance
Chase loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Chase mortgage helpFirst Horizon Mortgage Assistance
First Horizon loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
First Horizon mortgage helpHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceJob Loss Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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
Medical Hardship Debt Attorneys
Reeves DiVenere Wright, Attorneys at Law (West Jefferson Office)
Firm established in 1973 with 40+ combined years of trial experience. Jak Reeves (Campbell Law 2004, lifelong High Country resident) and Tamara C. DiVenere (Duke B.A., UNC Law J.D.) handle Chapter 7 and Chapter 13 bankruptcy filings, debt relief, and creditor negotiations from their West Jefferson legacy office.
Reeves DiVenere Wright — bankruptcy and debt reliefHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceMedical Hardship Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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
Senior Homeowner Support
New River Area Agency on Aging (serves Ashe County)
Regional Area Agency on Aging serving Ashe, Alleghany, Watauga, and Wilkes Counties. Provides nutrition, transportation, in-home care, and caregiver support for adults 60+ in Jefferson and throughout Ashe County.
New River Area Agency on AgingAshe Services for Aging, Inc.
Local senior center providing meals, wellness programs, transportation, caregiver support, and social activities for older adults in Jefferson and Ashe County.
Ashe Services for AgingReverse Mortgage and Estate Attorneys
Jonathan C. Jordan, Attorney-At-Law
J.D. and M.P.A. from UNC Chapel Hill, M.B.A. from Vanderbilt University Owen Graduate School of Management, B.A. Economics and Politics with honors from Wake Forest University. 20+ years of experience. Former Stokes County Attorney. Former Guardian ad Litem Attorney Advocate for Alleghany County. Handles estate planning, real estate, and business law from his Jefferson office.
Jonathan C. Jordan — estate planning and real estateKilby & Hurley, Attorneys at Law (John T. Kilby)
John T. Kilby has 50 years of legal experience and served as a former judge. Admitted in NC, VA, and federal courts. Benjamin G. Hurley Jr. received Distinguished Martindale-Hubbell peer-review rating 2025. Firm handles wills, estates, real estate, family law, and civil litigation from their West Jefferson office.
Kilby & Hurley — wills, estates, and real estateHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceReverse Mortgage Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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 Taxpayer Assistance
IRS Local Office Locator
IRS local-office locator and appointment guidance for taxpayers handling liens, balances, and payment-plan issues.
IRS local office locatorIRS Lien and Debt Attorneys
Reeves DiVenere Wright, Attorneys at Law (West Jefferson Office)
Firm established in 1973 with 40+ combined years of trial experience. Jak Reeves (Campbell Law 2004, lifelong High Country resident) and Tamara C. DiVenere (Duke B.A., UNC Law J.D.) handle Chapter 7 and Chapter 13 bankruptcy filings, debt relief, and creditor negotiations from their West Jefferson legacy office.
Reeves DiVenere Wright — bankruptcy and debt reliefHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceIRS Tax Lien Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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
HELOC and Foreclosure Attorneys
Johnston & Johnston, P.L.L.C. (John C. Johnston)
Third-generation attorney with 30+ years of experience. Over 80 years in continuous operation, the longest continuously operating law firm in Ashe County. John C. Johnston is Jefferson's town attorney. Practice areas include real estate, estate planning, probate, and civil litigation.
Johnston & Johnston — real estate and civil litigationNiedosik Law, PLLC (Laura Elizabeth Niedosik)
Former real estate paralegal and NC licensed real estate broker. J.D. Charlotte School of Law on merit scholarship, B.A. Political Science Elon University, paralegal certificate Georgetown University. Specializes in residential and commercial real estate closings, title issues, and property transactions across NC. BBB-accredited business.
Niedosik Law — real estate closings and title issuesMortgage Servicer and Bank Loss-Mitigation Contacts
Wells Fargo Mortgage Assistance
Wells Fargo loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Wells Fargo mortgage helpBank of America Mortgage Assistance
Bank of America loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Bank of America mortgage helpTruist Mortgage Assistance
Truist loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Truist mortgage helpChase Mortgage Assistance
Chase loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
Chase mortgage helpFirst Horizon Mortgage Assistance
First Horizon loss-mitigation contact for forbearance, repayment plans, and modification review for qualifying mortgage borrowers.
First Horizon mortgage helpHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceHELOC Default Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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
Judgment and Lien Defense Attorneys
Johnston & Johnston, P.L.L.C. (John C. Johnston)
Third-generation attorney with 30+ years of experience. Over 80 years in continuous operation, the longest continuously operating law firm in Ashe County. John C. Johnston is Jefferson's town attorney. Practice areas include real estate, estate planning, probate, and civil litigation.
Johnston & Johnston — real estate and civil litigationNiedosik Law, PLLC (Laura Elizabeth Niedosik)
Former real estate paralegal and NC licensed real estate broker. J.D. Charlotte School of Law on merit scholarship, B.A. Political Science Elon University, paralegal certificate Georgetown University. Specializes in residential and commercial real estate closings, title issues, and property transactions across NC. BBB-accredited business.
Niedosik Law — real estate closings and title issuesHousing Counseling and Foreclosure Prevention
HUD Housing Counselor Referral Line
Federal HUD counselor locator and hotline for Jefferson homeowners who need foreclosure-prevention counseling, loan-workout planning, and loss-mitigation guidance in Ashe County.
Find a HUD-approved housing counselorAshe County Tax Administration
County tax-payment and collections office for property-tax balances, delinquency questions, and online payment processing for Ashe County parcels.
Ashe County tax administrationNC Home Advantage Mortgage and Homeowner Assistance
State housing finance agency programs for down payment assistance, foreclosure prevention, and homeowner support for qualifying North Carolina residents.
NC Housing Finance Agency resourcesFree and Low-Cost Legal Aid
Legal Aid of North Carolina — Boone Office (serves Ashe County)
Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Ashe County residents. The Boone High Country office closed December 2025 — use statewide intake for Jefferson and all of Ashe County.
Legal Aid NC — get helpNC Bar Association Lawyer Referral Service
Statewide lawyer referral service for Jefferson homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Ashe County.
NC Bar lawyer referral serviceJudgment Lien Real Estate Agents in Jefferson
Chamiese Evans — Licensed Realtor
Specializing in helping Jefferson 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 Jefferson 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 Jefferson, 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
