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I have spent the last twenty-five years saving homes from foreclosure in South Carolina. I have extensive experience negotiating with lenders. I have postponed foreclosures for up to four years before the lender finally gave in and let my client keep her home "This is my specialty". One should never give up, even if you think it’s impossible. I know the ropes and can slug it out with the best of them. I can answer questions about what “to do” and what “not to do” during the foreclosure process as well as the pre-foreclosure and post-foreclosure process.

Experience in the area

Twenty-five years of stopping foreclosures in South Carolina, to include properties both listed by Realtors and those owned by banks. Foreclosure properties to include pre-foreclosure and post-foreclosure , and what to do next.


I was a Real Estate Broker in South Carolina for the past twenty-seven years.


I have written several articals on E-How


Some college

Past/Present Clients

Thousands over the last twenty seven years

Average Ratings

Recent Reviews from Users

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Kevin03/24/141010Thank you.
Annie02/17/14101010THANK YOU!!!!
Valerie08/23/13101010Thank you for your reply !

Recent Answers from James D. Clardy

2015-04-27 Bankruptcy attorney negligence? Is there currently anything I can do to help my situation?:

if your attorney was waiting on you for any further documents and or some type of payment to get started then he is okay but if not he could conceivably lose his license for not filing properly and on

2015-03-31 Bankruptcy attorney negligence? Is there currently anything I can do to help my situation?:

I am sorry to hear about your troubles. The  main question I have is did the mortgage company take possession of your home or was it sold to a third party.if it was sold to the mortgage company then you

2014-03-12 Business records:

I'm not an attorney, so I can only offer my onion. I think the bank must produce a copy of the records at the court house, in order to prove they in fact have a vested interest in the property, who is

2014-03-11 Moving out after foreclosure:

You should be able to remove anything that will not leave a hole in the wall, such as a built in dishwasher or stove. When you mention fixtures, such as light fixtures, these can not be taken unless you

2014-02-08 Possible Private Mortgage Foreclosure:

Unless your mortgage states the act of being late in itself is grounds for a foreclosure action then you are okay as long as you are now current. A late and unpaid tax bill would be grounds for a foreclosure


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