Homeowners/North Myrtle Beach, SC/Foreclosure
Foreclosure Support in North Myrtle Beach, SC
Homeowners in North Myrtle Beach, SC often need immediate direction when foreclosure risk appears. We help you evaluate options and choose next steps fast.
✓Local North Myrtle Beach resources✓Verified contacts✓Updated regularly
Situation overview
Foreclosure in North Myrtle Beach, SC follows a judicial process that gives homeowners time to act — but only if you move quickly. Understanding your lender's loss mitigation options, HUD counseling resources, and legal timeline is the first step toward protecting your equity.
What to do first
Foreclosure is mostly a timing problem. In North Myrtle Beach, quick action reduces equity loss from late fees, notices, and auction risk. Stabilize communication, confirm legal timing, then compare sale paths.
Start with
- Review your notices and mark every deadline date.
- Contact a HUD counselor and lender in North Myrtle Beach before making promises to buyers.
- Create a three-option plan: loan workout, modification, and cash settlement.
Avoid
- Ignore first notices and hope deadlines change.
- Sign documents before you understand the long-term legal effects.
- Accept the first offer without validating close date and exit costs.
SC law reference
Key legal facts for foreclosure situations in South Carolina.
- Foreclosure type
- Judicial foreclosure via Court of Common Pleas unless non-judicial power of sale is expressly authorized.
- Pre-foreclosure notice
- South Carolina foreclosure actions generally require formal service of summons and complaint before judgment.
- Delinquency threshold
- Most mortgage servicers begin formal foreclosure review after 120+ days delinquent under federal servicing rules.
Step-by-step action plan
A starting path you can follow before committing to any contract or agreement.
- Call your lender immediately and ask for documented loss mitigation options before default deadlines.
- Save all notices and billing records in one email folder and photo them before they disappear.
- Get advice from a legal or housing professional before signing anything under time pressure.
Who to contact in North Myrtle Beach
Foreclosure Attorneys
Hopkins Law Firm
Coastal SC foreclosure defense practice with offices in Myrtle Beach, Charleston, and Pawleys Island. Offers free consultations and handles residential foreclosure defense on a contingency fee basis.
Hopkins Law foreclosure defenseDavid Hart Breen, Attorney at Law
Attorney David Hart Breen has 40 years of experience and has represented over 5,000 clients in consumer and business bankruptcy, foreclosure defense, and real estate matters in Horry County.
David Hart Breen attorney profileDuRant & DuRant, P.A.
Attorney Frank DuRant has practiced real estate law in Myrtle Beach since 1979. Julian DuRant joined after clerking in the federal judiciary. The firm handles foreclosures, property disputes, and real estate transactions.
DuRant & DuRant real estate lawOhanesian Law Firm
Founded over 40 years ago with two generations of lawyers and over 140 years of combined legal experience. Attorney Glenn Ohanesian has served as President of the Horry County Bar Association.
Ohanesian Law FirmMortgage 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 Search Portal
Primary HUD counselor lookup portal for North Myrtle Beach homeowners; filter by Horry County or local ZIP code for nearby approved counseling agencies.
Open HUD counselor search portalOriginSC Foreclosure Prevention Counseling
HUD-certified and SC Housing-approved nonprofit providing foreclosure prevention counseling, reverse mortgage counseling, and homebuyer education for coastal SC homeowners.
OriginSC housing counselingSouth Carolina Housing Foreclosure-Avoidance Resources
State housing agency page with loan-counselor contacts, loss-mitigation guidance, and escalation paths for borrowers behind on mortgage payments.
South Carolina Housing foreclosure resourcesHorry County Treasurer
County tax-payment and collections office for property-tax balances, delinquency questions, and payment processing. Installment payment plans available for real property taxes.
Horry County Treasurer officeHorry County Assessor
County appraisal and listing office for valuation, legal-residence review, and assessment questions tied to Horry County real property. Quadrennial reassessments (most recent: 2024).
Horry County Assessor officeFree and Low-Cost Legal Aid
South Carolina Legal Services - Conway Office
Regional legal-aid office serving Horry, Georgetown, Marion, and Williamsburg Counties with free civil legal help including housing, foreclosure prevention, consumer debt, and family-law intake for eligible households.
SC Legal Services Conway officeSouth Carolina Legal Services - Online Intake
Statewide intake portal and hotline for civil legal screening, case prioritization, and referral to the appropriate local legal-services office.
Start SCLS intakeSouth Carolina Bar Lawyer Referral Service
Referral option for residents who need private-counsel consultation when legal-aid eligibility is not met or specialized representation is required.
SC Bar lawyer referralForeclosure Real Estate Agents in North Myrtle Beach
Chamiese Evans — Licensed Realtor
Specializing in helping North Myrtle Beach homeowners navigate foreclosure situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.
Visit listrobin.comCommon questions
What is the first step if North Myrtle Beach homeowners are already behind on payments?
The first move in North Myrtle Beach is getting a realistic valuation and timeline quickly. That helps you compare a workout plan against a cash-close sale.
Can we sell fast in North Myrtle Beach without a full listing process?
Yes. RobinOffer evaluates North Myrtle Beach properties as-is and can often structure an offer with enough confidence to avoid the long listing pipeline.
Will foreclosure paperwork affect how quickly we can close?
Closing speed in North Myrtle Beach varies by lender and title posture, but we can usually provide a clear plan and short timeline where possible.
Related situations in North Myrtle Beach
Homeowners dealing with foreclosure often face overlapping issues. These resources may also help.
Foreclosure in other cities
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Davidson, NC
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View resourcesResearched 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: SC Code of Laws · HUD.gov · CFPB.gov
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