Dorman Capital LLC, a licensed North Carolina real estate firm (NCREC #C38617), buys houses for cash for its own account, and Titus Dorman, who runs the company, is a licensed NC broker (#282463). If you sell to us we are the buyer, not your agent, we charge you no fee, deposit, or advance payment, and you can read more about us before deciding anything.
The North Carolina process itself, from the 45-day letter through the Clerk’s hearing, the sale, and the upset bid period, is in our statewide foreclosure guide.
This is general information from a real estate company, not a law firm. It is not legal, tax, or financial advice. Confirm your own dates with the Stanly County Clerk of Superior Court, a HUD-approved housing counselor, or an attorney before you act.
Call a free counselor before you call any buyer
This comes first on purpose. A HUD-approved housing counselor costs you nothing, works for you, and can do something we will not do: talk to your servicer on your behalf.
- North Carolina Housing Finance Agency, 1-888-442-8188. This line connects homeowners with free counseling through the State Home Foreclosure Prevention Project, at any stage of foreclosure, through HUD-approved agencies statewide. Counselors work with the servicer for you and can refer homeowners who qualify by income to free legal services. Details are on NCHFA’s foreclosure page.
- Prosperity Unlimited, Kannapolis. This agency at 1660 Garnet Street (704-933-7405) appears in HUD’s housing-counselor database with delinquency and foreclosure counseling, and lists Stanly among the thirteen counties it serves. See prosperitycdc.org.
- The federal list. The housing counselor search works by ZIP code. Before you drive anywhere, call and ask whether the agency serves Stanly County.
Bring your loan number, the latest servicer letter, and any court papers. Mention any past-due county property tax as well: a county tax foreclosure follows a different process from your lender’s, and if your taxes are escrowed, the 2025 countywide reappraisal (rates and values here) can change your monthly payment. A plan that fixes one debt and ignores the other doesn’t hold. If a counselor finds a workout, you may not need to sell at all, and that is the better outcome.
Your file, and the five questions to ask about it
A power-of-sale foreclosure on a Stanly County house goes through the Clerk of Superior Court here, wherever the lender or its attorneys are based. The Clerk sits in the courthouse on South Second Street in Albemarle (address and hours). The court system lists no separate foreclosure line, so call the main number, (704) 986-7000, and ask for help finding your file. Have the file number from any paper you received, or your name and the property address, and ask:
- Has a hearing been held? If not, when is it set?
- Has the Clerk entered an order allowing the sale?
- Has a notice of sale been filed, and for what date and time?
- If a sale has happened, when was the report of sale filed? The 10-day upset bid period runs from that filing.
- Who is the substitute trustee or the lender’s attorney? Your counselor or attorney will need to know whom to contact.
You can also read the file yourself. Search your own name on the eCourts Portal; a foreclosure filed since Stanly County joined eCourts should show its events and dates. A case that started before the switch may be incomplete there, so call the Clerk. And the portal only records what has been filed. It doesn’t predict what happens next: a sale can be postponed, a hearing continued, a payoff tendered. Check again every time something arrives in the mail and before any date you are counting on. The Clerk’s staff can tell you what is in the file; they can’t give you legal advice, and neither can we.
How the notice of sale reaches you here
North Carolina requires notice of a sale three ways (G.S. 45-21.17).
- Posted at least 20 days before the sale, in the area the Clerk of Superior Court designates for public notices. Ask the Clerk’s office where that is.
- Published once a week for at least two successive weeks in a newspaper qualified for legal advertising in the county, the last time no more than 10 days before the sale. The Stanly News & Press merged with the Stanly County Journal on May 1, 2025, and publishes as the Stanly News Journal, which lists a legal notices contact. We have not confirmed which paper carries any particular notice, so don’t count on spotting yours in print.
- Mailed first-class to you and the other parties at least 20 days before the sale. If the house is a rental with fewer than 15 units, it is also mailed to the occupants, by name or to “occupant.”
Rely on the copy in your mailbox and the one in the court file. Each notice states where that sale will be held, and we won’t tell you where Stanly County sales take place, because the only answer that counts is the one in your notice. The statute sets the time: between 10:00 a.m. and 4:00 p.m. on a day the Clerk’s office is normally open, starting at the noticed time or no more than three hours after it unless other sales at the same place hold it up (G.S. 45-21.23).
Free legal help that serves Stanly County
Legal Aid of North Carolina assigns Stanly County to its Charlotte office, which also serves Cabarrus, Cleveland, Gaston, Lincoln, Mecklenburg and Union. That office is at 5525 Albemarle Road, Suite 100, in Charlotte (704-594-8662); the road shares our town’s name, but the office is in Charlotte. The statewide helpline is 1-866-219-5262, weekdays 9:00 a.m. to 3:00 p.m., or apply online through legalaidnc.org. Whether they can take your case depends on eligibility.
If you don’t qualify, see a private North Carolina attorney who handles foreclosure or bankruptcy, ideally before the hearing and certainly before a sale. An attorney’s fee is lawful; a stranger’s advance fee to deal with your lender is not. If you owe more than the house can bring, the lender has to agree to a short payoff, and that is negotiated by you, your attorney, or your HUD-approved counselor, never by a buyer.
If selling turns out to be the answer
For some homeowners, after the counselor and the attorney, selling before the sale is the right move. You keep the power to sell until the sale is final, and a sale that pays off the loan and the foreclosure costs ends the foreclosure. From us that means one walk-through, a written cash offer within 48 hours at no cost or obligation, and a North Carolina closing attorney who orders the payoff and pays the loan from the proceeds, in as little as 14 days when title is clean. A cash as-is offer is below retail, and if the house would pass a lender’s appraisal and your dates leave room for a listing, listing usually nets you more; we will tell you so. Keep working with your counselor and attorney while any contract is pending, because a signed contract is not a closed sale.
What we will not do. We do not contact your lender or servicer on your behalf. We also do not rent the house back to you, offer a buy-back, or let you stay after closing (if you need time to move, we move the closing date instead), and our statewide guide explains why.
If the house was inherited and the estate is part of the problem, our Stanly County inherited-house page covers the local estate side. We buy across Stanly County.
How it works — three steps.
Reach out
Call or text (704) 706-0124, or use the form below. Two minutes, no obligation.
Get your cash offer
A fair, no-pressure cash offer within 48 hours — often the same day.
Close on your timeline
As little as 14 days, or whatever date works for you. We handle the paperwork.