What can I do if the creditor or trustee won’t respond to issue a UCC release and we risk losing our buyer? – North Carolina Short Answer In North Carolina, a recorded UCC fixture filing for items like solar panels can block a sale until the secured party of record files a UCC termination or…
Can I file a UCC-3 termination myself to clear this lien, and what proof do I need if the creditor won’t cooperate? – North Carolina Short Answer In North Carolina, a UCC-3 “Termination” is normally filed by the secured party (the creditor listed on the UCC-1), not by the property owner or heir. If the…
Can I file a quiet title action to establish ownership of the property? – North Carolina Short Answer Yes—under North Carolina law, a quiet title action can be used to ask the Superior Court to decide competing claims to a parcel and remove “clouds” on title. However, a quiet title case does not create ownership…
How can I get my lender to issue a mortgage payoff statement before closing? – North Carolina Short Answer In North Carolina, a seller (or the seller’s authorized agent, including the closing attorney) can make a formal written payoff-statement request that must include specific information, including a payoff date no more than 30 days out.…
Can I force a timeshare company to recognize my heirship and change title based on the probate order? – North Carolina Short Answer Sometimes, yes—but it depends on what kind of timeshare interest it is and whether the probate paperwork actually transfers record title. In North Carolina, a “timeshare estate” is treated like real estate,…
Can I enforce an offer to purchase if a co-owner fails to sign? – North Carolina Short Answer Usually not. In North Carolina, a contract to sell real estate generally must be in writing and signed by the party being forced to perform. If one record owner (or that owner’s valid power-of-attorney agent) never signs,…
How can I challenge and remove a fraudulent deed recorded after my grandparent’s death? – North Carolina Short Answer In North Carolina, a recorded deed does not get “removed” by the register of deeds just because it is fraudulent. The usual way to clear title is to file a civil lawsuit in Superior Court (often…
Can I use mediation or arbitration to resolve my dispute with the lender over loan transfer and account access? – North Carolina Short Answer Sometimes. In North Carolina, mediation is often available by agreement and can be a practical way to get the lender or servicer to correct account access problems and clarify “successor in…
Can I ask for a second appraisal if the value seems inaccurate? – North Carolina Short Answer Sometimes, but it depends on why the appraisal exists and who ordered it. In a North Carolina financed home purchase or refinance, a lender typically controls the appraisal process and may allow a “reconsideration of value” before ordering…
How do I ensure an in-law parent receives the full value they’re entitled to when selling a life estate property? – North Carolina Short Answer In North Carolina, when a life estate property is sold with both the life tenant and the remainder owner signing, the sale proceeds should be divided so the life tenant…
