North Carolina Home Foreclosure Help Lawyers

At Bagwell Holt Smith Jones & Crowson, P.A., we offer legal advice and assistance to those facing foreclosure on their home. With more than 18 years of practice experience in real estate law, attorney Thomas R. Holt has the requisite knowledge of the lending industry. Under his guidance, we are often able to negotiate fair and reasonable agreements with lenders and creditors to enable struggling borrowers to save their homes, their credit ratings and maintain financial independence.

Unlike larger real estate firms that handle hundreds of cases at once, our firm maintains a reasonable case load, giving us the time to get to know each client and his or her unique economic challenge. Armed with a better understanding of each clients needs, our attorneys will work with distressed borrowers to help them take advantage of available federal and state statutory tools such as the Federal Foreclosure Prevention Act of 2008 and North Carolina's Emergency Foreclosure Reduction Program.

Facing foreclosure does not mean that your dream of home ownership has to end. Help is available. Contact our office to take control of the process now! We assist clients in Chapel Hill and Morrisville, North Carolina, and throughout the triangle area.

Avoiding Bank Foreclosures

Once a homeowner runs into financial difficulty and falls behind on his or her mortgage payments, there is a critical time period until the mortgage default initiates foreclosure. Legal assistance is critical during this period. At Bagwell Holt Smith Jones & Crowson, P.A., we strive to stop foreclosure by:

• Negotiating a payment arrangement with the Lender - As former Lender representatives, we understand Lenders and their needs and interests. We use this experience and insight to negotiate with Lenders to arrange a payment arrangement satisfactory to both you and the Lender.


• Helping homeowners sell their property - As experienced residential real estate attorneys, we can help arrange a sale of your property before foreclosure is final. Selling your property will minimize credit damage, preserve for you hard earned home equity, and may even generate enough proceeds to help buy a more affordable house.


• Investigating refinance options -Refinancing your home, or taking out a second mortgage, is beneficial to some homeowners because it can lower monthly payments. However, people facing foreclosure may not qualify for this option. A real estate lawyer at our firm can explain the benefits and potential downsides as well as help guide you through the process.

Finding yourself in default on your mortgage payments can be very stressful and many become paralyzed and unable to take action. Failure to take action will can result in dire consequences that will stay with you for years to come. Let the attorneys at Bagwell Holt Smith Jones & Crowson, P.A. help you. We care about your financial future. Stop foreclosure now. Contact us today.