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 and 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, precision, and efficiency. Cases are handled by experienced attorneys, supported by an equally dedicated and knowledgeable staff.
Our foreclosure practice has an extensive background in handling defenses and counterclaims that may be raised in foreclosure litigation. We also protect our clients’ interest in the bankruptcy courts 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 insured property owners or lenders.
The 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.
It has been over a year since the beginning of the COVID-19 pandemic and although many restrictions are beginning to lift, one that… Read More
Since the invention of the mobile home, everyone has struggled with the relationship these homes have to real property. Is the mobile home… Read More
Secured loans are made every day by banks, credit unions, and other financial lenders. If the security for repayment of a loan is… 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
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
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
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
