Stop foreclosure in South Carolina.

How foreclosure works in South Carolina

• All foreclosures run through the courts, with mandatory intervention/mediation steps in many circuits
• South Carolina's administrative orders have required foreclosure intervention review before judgment
• Deficiency waivers change bidding mechanics — a strategic negotiation point

Redemption & second chances

None after the judicial sale (subject to deficiency election mechanics).

What this means for you

South Carolina's court-required intervention step obligates lenders to review alternatives before pressing for judgment. That review is only as good as the file you put in front of it — which is why complete, servicer-formatted packages are the core of how we practice here.

Your options in South Carolina

Every tool in the national playbook works in South Carolina — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short