(704) 712-2717

Homeowners/Spencer, NC

Homeowner Resources in Spencer, NC

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

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Resource categories for Spencer

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

More local resources in Spencer

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

Foreclosure

Foreclosure Attorneys

Ketner & Associates (Glenn E. Ketner Jr.)

Glenn Ketner Jr. founded this Salisbury firm in 1972 and was inducted into the NC Bar Association Legal Practice Hall of Fame in 2020. Practice encompasses real estate transactions, land use, zoning, and property disputes serving Rowan County homeowners for over 50 years.

(704) 637-3434

121 E Kerr St, Salisbury, NC 28144

Ketner & Associates real estate practice

Nancy R. Gaines, Attorney at Law, PLLC

Salisbury attorney with a J.D. from Emory University School of Law (1998, with distinction). Handles landlord-tenant disputes, real property matters, and elder law from her Council Street office near the Rowan County Courthouse.

(704) 633-1723

121 W Council St, Suite 102, Salisbury, NC 28144

Nancy Gaines real estate and elder law

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Foreclosure Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Read next

Inheritance

Inheritance Attorneys

Ketner & Associates (Glenn E. Ketner Jr.)

Salisbury firm founded in 1972 by Glenn Ketner Jr., a 2020 NC Bar Association Legal Practice Hall of Fame inductee. Handles estate planning, probate, trust administration, and elder law for Spencer and Rowan County families.

(704) 637-3434

121 E Kerr St, Salisbury, NC 28144

Ketner & Associates estate and probate

Nancy R. Gaines, Attorney at Law, PLLC

Emory University School of Law graduate (1998, with distinction) practicing probate, elder law, and living trusts from her Salisbury office. Serves Spencer and Rowan County families with estate administration and trust matters.

(704) 633-1723

121 W Council St, Suite 102, Salisbury, NC 28144

Nancy Gaines probate and elder law

Rowan County Probate and Court Services

Rowan County Clerk of Superior Court

County clerk office in Salisbury for foreclosure hearings, probate filings, estate administration, and civil proceedings for Spencer and all Rowan County residents. Clerk: Todd Wyrick.

(704) 797-3001

210 N Main St, Salisbury, NC 28144

Rowan County Clerk of Court

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Inheritance Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Read next

Get a no-obligation cash offer on the inherited Spencer home

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Divorce

Divorce Attorneys

Whitley, Jordan, Inge & Rary, P.A. (Robert Inge)

Robert Inge is a NC State Bar Board Certified Family Law Specialist and member of the American Academy of Matrimonial Lawyers — one of only 40 attorneys in North Carolina with that distinction. Selected to Super Lawyers 2024 and 2026. Handles divorce, child custody, equitable distribution, alimony, and domestic violence protective orders from the Salisbury office (est. 1974).

(704) 637-1111

305 N Main St, Salisbury, NC 28144

Whitley Jordan Inge — family law

Domestic Violence and Family Safety Resources

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Divorce Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Read next

Need a clean, fast sale in a Spencer divorce? See your offer

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Tax Liens

Tax and Debt Attorneys

Duncan Law, LLP (Terry Duncan and Damon Duncan)

Salisbury office at 301 S Main St led by Terry Duncan and Damon Duncan, both NC State Bar Board Certified Consumer Bankruptcy Specialists. The firm has filed thousands of Chapter 7 and Chapter 13 cases across western and central North Carolina.

(704) 297-4000

301 S Main St, Suite 100, Salisbury, NC 28144

Duncan Law Salisbury bankruptcy office

Tax Payment and Relief Offices

Rowan County Tax Office

County tax office collecting real and personal property taxes for Spencer and all Rowan County jurisdictions, with online payment options.

(704) 216-8544

402 N Main St, Suite 101, Salisbury, NC 28144

Rowan County online tax payment

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Tax Liens Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Read next

Probate

Probate Attorneys

Ketner & Associates (Glenn E. Ketner Jr.)

Salisbury firm founded in 1972 by Glenn Ketner Jr., a 2020 NC Bar Association Legal Practice Hall of Fame inductee. Handles estate planning, probate, trust administration, and elder law for Spencer and Rowan County families.

(704) 637-3434

121 E Kerr St, Salisbury, NC 28144

Ketner & Associates estate and probate

Nancy R. Gaines, Attorney at Law, PLLC

Emory University School of Law graduate (1998, with distinction) practicing probate, elder law, and living trusts from her Salisbury office. Serves Spencer and Rowan County families with estate administration and trust matters.

(704) 633-1723

121 W Council St, Suite 102, Salisbury, NC 28144

Nancy Gaines probate and elder law

Rowan County Probate and Court Services

Rowan County Clerk of Superior Court

County clerk office in Salisbury for foreclosure hearings, probate filings, estate administration, and civil proceedings for Spencer and all Rowan County residents. Clerk: Todd Wyrick.

(704) 797-3001

210 N Main St, Salisbury, NC 28144

Rowan County Clerk of Court

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Probate Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Read next

Selling a home in probate? See a fast cash offer

Get my cash offer
Bankruptcy

Bankruptcy Attorneys

Duncan Law, LLP (Terry Duncan and Damon Duncan)

Salisbury office at 301 S Main St led by Terry Duncan and Damon Duncan, both NC State Bar Board Certified Consumer Bankruptcy Specialists. The firm has filed thousands of Chapter 7 and Chapter 13 cases across western and central North Carolina.

(704) 297-4000

301 S Main St, Suite 100, Salisbury, NC 28144

Duncan Law Salisbury bankruptcy office

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Bankruptcy Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com
Code Violations

Code and Property Attorneys

Ketner & Associates (Glenn E. Ketner Jr.)

Glenn Ketner Jr. founded this Salisbury firm in 1972 and was inducted into the NC Bar Association Legal Practice Hall of Fame in 2020. Practice encompasses real estate transactions, land use, zoning, and property disputes serving Rowan County homeowners for over 50 years.

(704) 637-3434

121 E Kerr St, Salisbury, NC 28144

Ketner & Associates real estate practice

Nancy R. Gaines, Attorney at Law, PLLC

Salisbury attorney with a J.D. from Emory University School of Law (1998, with distinction). Handles landlord-tenant disputes, real property matters, and elder law from her Council Street office near the Rowan County Courthouse.

(704) 633-1723

121 W Council St, Suite 102, Salisbury, NC 28144

Nancy Gaines real estate and elder law

Code Enforcement Office

Town of Spencer Code Enforcement

Spencer Police Department Code Enforcement division handles minimum housing, abandoned structures, overgrown lots, junk vehicles, and public nuisance violations within Spencer town limits.

(704) 633-2231

460 S Salisbury Ave, Spencer, NC 28159

Spencer code enforcement

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Code Violations Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

See open code cases and activity around any Spencer address

Check my address
HOA Liens

HOA Attorneys

Ketner & Associates (Glenn E. Ketner Jr.)

Glenn Ketner Jr. has practiced land use, zoning, and real estate law in Salisbury since 1972 and was inducted into the NC Bar Association Legal Practice Hall of Fame in 2020. Handles property disputes, HOA matters, and landlord-tenant issues for Rowan County homeowners.

(704) 637-3434

121 E Kerr St, Salisbury, NC 28144

Ketner & Associates property and HOA matters

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

HOA Liens Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Read next

Fire / Storm Damage

Property Damage Attorneys

Ketner & Associates (Glenn E. Ketner Jr.)

Glenn Ketner Jr. founded this Salisbury firm in 1972 and was inducted into the NC Bar Association Legal Practice Hall of Fame in 2020. Practice encompasses real estate transactions, land use, zoning, and property disputes serving Rowan County homeowners for over 50 years.

(704) 637-3434

121 E Kerr St, Salisbury, NC 28144

Ketner & Associates real estate practice

Nancy R. Gaines, Attorney at Law, PLLC

Salisbury attorney with a J.D. from Emory University School of Law (1998, with distinction). Handles landlord-tenant disputes, real property matters, and elder law from her Council Street office near the Rowan County Courthouse.

(704) 633-1723

121 W Council St, Suite 102, Salisbury, NC 28144

Nancy Gaines real estate and elder law

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Fire / Storm Damage Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

Specializing in helping Spencer homeowners navigate fire / storm damage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Storm or fire damage? Get a cash offer, sold as-is

Get my cash offer
Vacant Property

Vacant Property Attorneys

Ketner & Associates (Glenn E. Ketner Jr.)

Glenn Ketner Jr. has practiced land use, zoning, and real estate law in Salisbury since 1972 and was inducted into the NC Bar Association Legal Practice Hall of Fame in 2020. Handles property disputes, HOA matters, and landlord-tenant issues for Rowan County homeowners.

(704) 637-3434

121 E Kerr St, Salisbury, NC 28144

Ketner & Associates property and HOA matters

Code Enforcement Office

Town of Spencer Code Enforcement

Spencer Police Department Code Enforcement division handles minimum housing, abandoned structures, overgrown lots, junk vehicles, and public nuisance violations within Spencer town limits.

(704) 633-2231

460 S Salisbury Ave, Spencer, NC 28159

Spencer code enforcement

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Vacant Property Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Read next

Done carrying a vacant Spencer home? Get a cash offer

Get my cash offer
Military PCS

Military PCS Attorneys

Whitley, Jordan, Inge & Rary, P.A. (Robert Inge)

Robert Inge is a NC State Bar Board Certified Family Law Specialist and member of the American Academy of Matrimonial Lawyers — one of only 40 attorneys in North Carolina with that distinction. Selected to Super Lawyers 2024 and 2026. Handles divorce, child custody, equitable distribution, alimony, and domestic violence protective orders from the Salisbury office (est. 1974).

(704) 637-1111

305 N Main St, Salisbury, NC 28144

Whitley Jordan Inge — family law

Veterans and Military Support

Rowan County Veterans Services

County veterans service office assisting Spencer and Rowan County veterans and dependents with VA benefits claims, pension, disability compensation, education benefits, and healthcare navigation. Director: Justan Mounts.

(704) 216-8138

1955 Jake Alexander Blvd W, Salisbury, NC 28147

Rowan County Veterans Services

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Military PCS Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Read next

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

Get my cash offer
Underwater Mortgage

Underwater Mortgage Attorneys

Ketner & Associates (Glenn E. Ketner Jr.)

Glenn Ketner Jr. founded this Salisbury firm in 1972 and was inducted into the NC Bar Association Legal Practice Hall of Fame in 2020. Practice encompasses real estate transactions, land use, zoning, and property disputes serving Rowan County homeowners for over 50 years.

(704) 637-3434

121 E Kerr St, Salisbury, NC 28144

Ketner & Associates real estate practice

Nancy R. Gaines, Attorney at Law, PLLC

Salisbury attorney with a J.D. from Emory University School of Law (1998, with distinction). Handles landlord-tenant disputes, real property matters, and elder law from her Council Street office near the Rowan County Courthouse.

(704) 633-1723

121 W Council St, Suite 102, Salisbury, NC 28144

Nancy Gaines real estate and elder law

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Underwater Mortgage Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Read next

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

See my home value
Job Loss

Job Loss and Debt Attorneys

Duncan Law, LLP (Terry Duncan and Damon Duncan)

Salisbury office at 301 S Main St led by Terry Duncan and Damon Duncan, both NC State Bar Board Certified Consumer Bankruptcy Specialists. The firm has filed thousands of Chapter 7 and Chapter 13 cases across western and central North Carolina.

(704) 297-4000

301 S Main St, Suite 100, Salisbury, NC 28144

Duncan Law Salisbury bankruptcy office

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Job Loss Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Read next

Medical Hardship

Medical Hardship Attorneys

Duncan Law, LLP (Terry Duncan and Damon Duncan)

Salisbury office at 301 S Main St led by Terry Duncan and Damon Duncan, both NC State Bar Board Certified Consumer Bankruptcy Specialists. The firm has filed thousands of Chapter 7 and Chapter 13 cases across western and central North Carolina.

(704) 297-4000

301 S Main St, Suite 100, Salisbury, NC 28144

Duncan Law Salisbury bankruptcy office

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Medical Hardship Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Read next

Reverse Mortgage

Reverse Mortgage and Probate Attorneys

Ketner & Associates (Glenn E. Ketner Jr.)

Salisbury firm founded in 1972 by Glenn Ketner Jr., a 2020 NC Bar Association Legal Practice Hall of Fame inductee. Handles estate planning, probate, trust administration, and elder law for Spencer and Rowan County families.

(704) 637-3434

121 E Kerr St, Salisbury, NC 28144

Ketner & Associates estate and probate

Nancy R. Gaines, Attorney at Law, PLLC

Emory University School of Law graduate (1998, with distinction) practicing probate, elder law, and living trusts from her Salisbury office. Serves Spencer and Rowan County families with estate administration and trust matters.

(704) 633-1723

121 W Council St, Suite 102, Salisbury, NC 28144

Nancy Gaines probate and elder law

Senior Homeowner Support

Rufty-Holmes Senior Center

Senior services center in Salisbury providing programs, activities, and support for older adults in Spencer and Rowan County. Offers health and wellness programs, educational opportunities, and community engagement.

(704) 216-7714

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

Rufty-Holmes Senior Center

Centralina Area Agency on Aging

Regional Area Agency on Aging providing aging services, caregiver support, and resource navigation for older adults in the Centralina region including Rowan County.

Centralina Area Agency on Aging

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Reverse Mortgage Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

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IRS Tax Lien

IRS Lien and Debt Attorneys

Duncan Law, LLP (Terry Duncan and Damon Duncan)

Salisbury office at 301 S Main St led by Terry Duncan and Damon Duncan, both NC State Bar Board Certified Consumer Bankruptcy Specialists. The firm has filed thousands of Chapter 7 and Chapter 13 cases across western and central North Carolina.

(704) 297-4000

301 S Main St, Suite 100, Salisbury, NC 28144

Duncan Law Salisbury bankruptcy office

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

IRS Tax Lien Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

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HELOC Default

HELOC Default Attorneys

Ketner & Associates (Glenn E. Ketner Jr.)

Glenn Ketner Jr. founded this Salisbury firm in 1972 and was inducted into the NC Bar Association Legal Practice Hall of Fame in 2020. Practice encompasses real estate transactions, land use, zoning, and property disputes serving Rowan County homeowners for over 50 years.

(704) 637-3434

121 E Kerr St, Salisbury, NC 28144

Ketner & Associates real estate practice

Nancy R. Gaines, Attorney at Law, PLLC

Salisbury attorney with a J.D. from Emory University School of Law (1998, with distinction). Handles landlord-tenant disputes, real property matters, and elder law from her Council Street office near the Rowan County Courthouse.

(704) 633-1723

121 W Council St, Suite 102, Salisbury, NC 28144

Nancy Gaines real estate and elder law

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

HELOC Default Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com
Judgment Lien

Judgment Lien Attorneys

Ketner & Associates (Glenn E. Ketner Jr.)

Glenn Ketner Jr. founded this Salisbury firm in 1972 and was inducted into the NC Bar Association Legal Practice Hall of Fame in 2020. Practice encompasses real estate transactions, land use, zoning, and property disputes serving Rowan County homeowners for over 50 years.

(704) 637-3434

121 E Kerr St, Salisbury, NC 28144

Ketner & Associates real estate practice

Nancy R. Gaines, Attorney at Law, PLLC

Salisbury attorney with a J.D. from Emory University School of Law (1998, with distinction). Handles landlord-tenant disputes, real property matters, and elder law from her Council Street office near the Rowan County Courthouse.

(704) 633-1723

121 W Council St, Suite 102, Salisbury, NC 28144

Nancy Gaines real estate and elder law

Housing Counseling and Foreclosure Prevention

Salisbury Neighborhood Housing Services

HUD-certified nonprofit in Salisbury providing foreclosure intervention, credit counseling, and homeowner education for Spencer and Rowan County households.

(704) 636-5696

1400 W Bank St, Salisbury, NC 28144

Salisbury NHS housing counseling

NC Housing Finance Agency Homeowner Assistance

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

NCHFA homeowner assistance

Free and Low-Cost Legal Aid

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

Legal Aid of North Carolina provides free civil legal services including housing, foreclosure, and bankruptcy assistance for low-income Rowan County residents. The Greensboro office serves Spencer and all of Rowan County.

Legal Aid NC Greensboro office

NC Bar Association Lawyer Referral Service

Statewide lawyer referral service for Spencer homeowners who need private counsel in foreclosure, probate, bankruptcy, divorce, or title/lien disputes in Rowan County.

NC Bar lawyer referral service

Judgment Lien Real Estate Agents in Spencer

Chamiese Evans — Licensed Realtor

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

Visit listrobin.com

Thinking about selling your Spencer 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 Spencer, NC.

CE

Chamiese Evans

Licensed Realtor — NorthGroup Real Estate

Helping homeowners across the Carolinas find the right path forward — whether that means selling, negotiating, or exploring every option before making a decision.

(704) 712-2717chamieseevans@gmail.com
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Researched by CC Evans, Marketing Analyst — RobinOffer

Last reviewed: February 2026

This directory is for informational purposes only. It does not constitute legal, financial, or tax advice. Confirm all options with licensed counsel or a qualified financial professional before signing any agreement.

Sources: NC General Statutes · HUD.gov · CFPB.gov

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