North Carolina uses both judicial and non-judicial foreclosure. NC offers a 10-day upset bid period after sale — a unique protection not found in most states. Free consultation.
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NC allows both non-judicial foreclosure (power of sale) and judicial foreclosure. The non-judicial process is most common and takes about 60 days. NC's unique upset bid period gives 10 days after the sale for higher bids.
Clerk schedules hearing. Notice sent to homeowner. Opportunity to raise defenses.
Day 0-30Posted at courthouse for 20 days. Published in newspaper.
Day 30-50Auction held. 10-day upset bid period allows higher bids. No deficiency on purchase-money loans.
Day 50-60Negotiate affordable terms with your lender before the clerk's hearing.
Pay all arrears and costs before the foreclosure sale is confirmed.
Use the 10-day upset bid period strategically to protect your home's value.
With NC's growing market, a short sale can help protect your credit and avoid the auction.