Homeowners/Myrtle Beach, SC/Job Loss
Job Loss & Income Reduction in Myrtle Beach, SC
Homeowners in Myrtle Beach, SC who have lost their job need to act fast. Find unemployment offices, mortgage forbearance options, and workforce retraining programs.
✓Local Myrtle Beach resources✓Verified contacts✓Updated regularly
Situation overview
Job loss in Myrtle Beach, SC triggers a critical timeline. File for unemployment at dew.sc.gov (up to $350/week for up to 20 weeks), contact your mortgage servicer immediately for forbearance, and register with your nearest SC Works center for job search assistance and retraining.
What to do first
Job loss creates a race between depleting savings and finding new income. In Myrtle Beach, filing for unemployment immediately, requesting mortgage forbearance, and connecting with workforce programs buys time to make clear-headed decisions about your home.
Start with
- File for unemployment and contact your mortgage servicer within the first week of job loss.
- Request forbearance in writing and keep copies — verbal promises are not enforceable.
- Register with SC Works for job search assistance and potential retraining programs.
Avoid
- Wait until you miss mortgage payments to contact your servicer — early contact opens more options.
- Use retirement savings or credit cards to make mortgage payments without first exploring forbearance.
- Ignore the timeline — forbearance is temporary, and you need a plan before it expires.
SC law reference
Key legal facts for job loss situations in South Carolina.
- Homestead exemption
- South Carolina homestead exemption is adjusted periodically (about $63,250; verify current statutory amount).
Step-by-step action plan
A starting path you can follow before committing to any contract or agreement.
- File for unemployment benefits immediately — SC online at dew.sc.gov or call 1-866-831-1724.
- Contact your mortgage servicer within 30 days of income loss to request forbearance or hardship options.
- Register with your local SC Works Career Center for job search assistance and retraining programs.
Who to contact in Myrtle Beach
Debt and Job Loss Legal Support
Turner Vaught Bankruptcy
Myrtle Beach bankruptcy practice focused on Chapter 7 and Chapter 13 debt relief.
Turner Vaught BankruptcyMcCutchen Vaught Geddie and Hucks, P.A.
Myrtle Beach bankruptcy attorneys serving consumers and small businesses.
MVGH bankruptcy attorneysCampbell Law Firm
South Carolina bankruptcy firm offering Chapter 7, 11, and 13 representation for Horry County.
Campbell Law Firm bankruptcySouth Carolina Workforce Support
SC Department of Employment and Workforce
Unemployment claims and reemployment services.
SC DEWHUD and Homeownership Counseling
HUD Housing Counselor Search
Find HUD-approved foreclosure prevention and housing counseling agencies by ZIP code.
Find a HUD counselorHousing Authority of Myrtle Beach
Local housing authority services, voucher programs, and housing resources.
Housing Authority of Myrtle BeachCounty and Community Hardship Support
Horry County Tax Payment and Receipt Services
Online and phone tax-payment options for real property taxes and receipts.
Horry County real property tax infoUnited Way of Horry County 211
24/7 referral line for food, shelter, utility, healthcare, and emergency supports.
SC 211 resourcesSouth Carolina Housing
State housing agency resources for homeowners, hardship, and housing stability programs.
SC Housing programsFree Legal Aid
South Carolina Legal Services - Conway Office
Free civil legal services for qualifying low-income residents in Horry County.
SC Legal Services ConwaySouth Carolina Legal Services Intake
Toll-free legal aid intake and screening line.
SC Legal Services intakeSouth Carolina Bar Lawyer Referral Service
Lawyer referral for private counsel when legal aid is not available.
SC Bar lawyer referralJob Loss Real Estate Agents in Myrtle Beach
Chamiese Evans — Licensed Realtor
Specializing in helping Myrtle Beach homeowners navigate job loss situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comCommon questions
Can I get mortgage forbearance if I lose my job in Myrtle Beach?
Yes. Job loss is a qualifying financial hardship for mortgage forbearance. Contact your servicer immediately — for federally-backed loans (FHA, VA, USDA, Fannie/Freddie), servicers must offer forbearance options. Do not wait until you miss a payment.
How do I file for unemployment in SC?
In North Carolina, file online at des.nc.gov or call 1-888-737-0259. The maximum weekly benefit is $450 for 12-20 weeks. In South Carolina, file at dew.sc.gov or call 1-866-831-1724. SC maximum is $350/week for up to 20 weeks.
Should I sell my home if I lose my job in Myrtle Beach?
Not necessarily. Explore forbearance, loan modification, and state assistance programs first. If your savings will run out before you find new income, a fast cash sale may prevent foreclosure and protect your credit. A HUD counselor can help you evaluate the timeline.
Related situations in Myrtle Beach
Homeowners dealing with job loss often face overlapping issues. These resources may also help.
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View resourcesResearched by CC Evans, Marketing Analyst — RobinOffer
Licensed Real Estate Broker · NC License #332092
NorthGroup Real Estate · Charlotte, NC
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: SC Code of Laws · HUD.gov · CFPB.gov
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