Can I challenge a foreclosure judgment that used forged documents and violated servicemembers protections? – North Carolina Short Answer Yes—under North Carolina law you can challenge a foreclosure if you can show fraud (such as forged documents) or a material legal irregularity, or if servicemembers protections applied and were violated. The fastest path is to…
How do I respond if other heirs object to my handling of the surplus funds? – North Carolina Short Answer In North Carolina, disputes over surplus foreclosure sale proceeds are decided in a special proceeding before the Clerk of Superior Court. If other heirs object, respond in writing, serve all parties, and be ready to…
Can I recover the tax payments I made before a tax sale from the surplus funds? – North Carolina Short Answer Yes, in North Carolina you can usually ask to be reimbursed from surplus funds if your pre-sale tax payments paid valid property taxes that were a first lien on the property. You must show…
Do I have to appear in court for a surplus funds distribution hearing to recover my payments? – North Carolina Short Answer No. North Carolina law does not require you to appear, but you should appear or file a written claim with proof if you want the Clerk of Superior Court to consider reimbursing you…
What should I do if the courthouse notice only lists some of the heirs? – North Carolina Short Answer In North Carolina, any surplus from a foreclosure sale is held for the people who legally owned the property at the time of sale, which can include all living heirs of deceased owners. If the notice…
How can I find out exactly what unpaid property taxes or liens are affecting my foreclosure surplus? – North Carolina Short Answer In North Carolina, surplus money from a foreclosure is used to pay claims in a set order: sale costs, property taxes, the foreclosing debt, then junior liens. To know exactly what will reduce…
Can I challenge a quitclaim deed my ex-spouse signed without my consent? – North Carolina Short Answer Yes. In North Carolina, surplus funds from a foreclosure are paid to the person legally entitled to them, and the Clerk of Superior Court can decide competing claims. A quitclaim deed only transfers whatever the signer owned at…
How do I prove my share of home equity if my name remains on title? – North Carolina Short Answer In North Carolina, surplus funds from a foreclosure go first to junior lienholders of record and then to the property owner(s) of record at the time of the sale. To prove your share, file a…
Will filing bankruptcy affect my ability to recover surplus funds? – North Carolina Short Answer Yes, filing bankruptcy can pause or change how foreclosure surplus funds are paid out in North Carolina. The surplus is generally paid through the Clerk of Superior Court to junior lienholders first and then to the homeowner, but a bankruptcy…
Can I force the lender to accept late mortgage payments after they previously agreed to them? – North Carolina Short Answer Generally, no. In North Carolina, a lender’s past acceptance of late payments does not require it to keep accepting them unless there is a signed, enforceable modification or reinstatement agreement. The Clerk of Superior…