What we do

Home Preservation

For many families, home ownership is not only a step toward realizing the “American Dream;” it also promises a stable source of financial equity and wealth that promotes economic opportunity.

Many homeowners face foreclosure and loss of property due to high-cost home loans; significant, unanticipated increases in original mortgage interest payments; drastic decreases in income due to increased unemployment; and a recessive economic environment.

Through our home protection and foreclosure assistance legal services, Charlotte Center for Legal Advocacy works to ensure that homeowners and their families remain stable, economically secure and protected from predatory practices.

Our services focus on:

  • Protecting and maintaining home ownership and preserving home equity through home foreclosure defense and loss mitigation efforts

Case work

  • Homeowner protection
  • Foreclosure defense
  • Home financing and mortgage service disputes
  • Homeowner Association and tax foreclosures
  • Reverse mortgage issues
  • Heir and widow foreclosures
  • Chapter 7 and 13 Bankruptcy to preserve home ownership and home equity
  • Unfair and deceptive installment sales contracts/seller-financed home purchases

Advocacy

In additional to individual representation, Charlotte Center for Legal Advocacy enforces existing laws and advocates for improvements in consumer protection laws at local, state and national levels. Strategies include litigation, legislative advocacy in coordination with other agencies, and community education to both the client community and service providers. We respond to questions and support requests from consumer advocates throughout the county and surrounding areas.

Eligibility

The population to be served includes low-income families and individuals, seniors and people living with disabilities, who are residents of Mecklenburg County. Charlotte Center for Legal Advocacy’s foreclosure defense work also includes eight surrounding counties: Gaston, Lincoln, Cabarrus, Iredell, Rowan, Stanly, Union and Catawba.

To qualify for Charlotte Center for Legal Advocacy’s general consumer protection and foreclosure services, you must earn less than 200% of the federal poverty standard.