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At Smith Debnam, we represent banks, credit unions, mortgage servicers, and other lending institutions to protect and enforce their rights as secured creditors. Our foreclosure team handles both commercial and consumer foreclosures as well as real property litigation throughout North Carolina and South Carolina.
We carefully manage every stage of the foreclosure process, from default to eviction, with a focus on accuracy, preciseness, and efficiency. Client cases are handled by experienced attorneys, supported by an equally dedicated and knowledgeable staff.
Our foreclosure practice group represents clients in consumer and commercial foreclosures, bankruptcies, and real property litigation throughout North Carolina and South Carolina.
Our foreclosure practice has an extensive background in handling consumer and commercial defenses and counterclaims raised in foreclosure and real property litigation. Further, we protect our clients’ interest in bankruptcy court in all federal districts across North Carolina and South Carolina.
In addition to foreclosures, our attorneys handle a wide variety of real estate litigation, including title curative actions, reformations, quiet title actions, lien priority disputes, easement and right-of-way disputes, and the resolution of mobile home issues. We routinely work with title insurance companies to solve complicated title issues for their insured clients.
Increased regulatory burden is commonplace in today’s mortgage industry. At Smith Debnam, we understand the challenges faced by clients. Our attorneys are well versed in the various state and federal regulations impacting the mortgage industry. We collaboratively work with our clients to establish appropriate policies and procedures to assist with their understanding of and compliance with these regulations.
Cases in the past year or two have made it harder and more time consuming to secure judgments on deficiencies. Given that deficiency… Read More
The CFPB has issued a fact sheet clarifying that, in most cases, construction loans are subject to the Loan Estimate and Closing Disclosure… Read More
Since TRID was introduced, a debate has raged on as to whether the Truth in Lending Act’s (TILA) liability rules or RESPA’s would… Read More
Contracts are just agreements, typically in writing. Contracts keep the business world humming along like a well-oiled machine. Unless one party seeks help,… Read More
Although electronic signatures have maintained an “equivalent to paper signature” status in North Carolina since 1998, their current use in commerce has remained… Read More
The Consumer Financial Protection Bureau (CFPB) has issued its Supervisory Highlights for July-December, 2014. The Bureau’s Supervisory Highlights provide a summary of issues… Read More
The North Carolina Senate has introduced a bill that will create a private right of action for inaccurate credit reporting. Senate Bill 357… Read More
Lenders who make loans secured by residential mortgages often prefer to follow standardized business practices. Mortgage lending is a complex business. Today’s regulatory… Read More
On January 1, 2015, two real estate laws went into effect in North Carolina. Here’s what you need to know: The Residential Property… Read More
It is difficult to pick up a newspaper anywhere in the United States and not find an article on the economy, the downturn… Read More
There is a tradition in the law that things are not always as they seem. We think of liens as simply “which came… Read More
This year the North Carolina General Assembly, as a part of its annual budget bill, created the “North Carolina Home Protection Pilot Program… Read More
Over the last few years, there has been great interest among lenders and government regulators regarding the practice of making “high cost home… Read More