Properties affected by hurricanes may have insurance proceeds or disaster assistance that affects the surplus funds amount. These situations create additional complexity through insurance claim assignments, FEMA assistance repayment requirements, and potential SBA disaster loan priorities. Without proper legal representation, these complications can significantly reduce or eliminate your recovery amount through procedural errors or missed priority contests.

We can search court records in New Hanover, Pitt, Onslow, and other Eastern NC counties to determine if surplus funds exist from your foreclosure. You'll need your property address and approximate foreclosure date.

Military service members have special protections under the Servicemembers Civil Relief Act. These protections create an additional layer of legal complexity that requires s knowledge of both military law and foreclosure law. Attempting to handle these cases without proper legal representation often results in missed opportunities to assert these important protections. Our attorneys are familiar with how these protections intersect with surplus funds claims and can determine if they apply in your specific situation, potentially affecting the validity of the foreclosure itself.

Yes. Many of our Eastern NC clients have relocated. We can handle your case remotely without requiring you to return to North Carolina. However, attempting to manage these cases from out-of-state without legal representation virtually guarantees failure, as the courts require personal appearances, original document submissions, and strict adherence to local procedure that cannot be effectively managed remotely by non-attorneys.

While the basic process is similar, vacation homes and investment properties may have different considerations. These properties often involve rental income documentation, business entity ownership, multiple lienholders, and HOA claims that create significant legal obstacles for claimants without attorney representation. Our attorneys can evaluate your specific situation and manage these additional complexities.

Coastal county courts often have unique procedural requirements due to the high volume of investment property foreclosures and hurricane-related title issues. Each coastal county maintains its own specific filing requirements, service procedures, and hearing schedules that aren't accessible witout legal knowledge of the local system. The technical nature of these local rules makes self-representation particularly ineffective in coastal county courts.