What are the foreclosure laws in South Carolina?

I currently hold my 1st and 2nd with TBW. And I have to honestly say that they are very reasonable with assisting homeowners with catching up on their payments. Our story is a little bit of a lot of your stories. TBW not only has worked with us once to get caught up on our payments, but a second time just recently. They didn't make us feel as though we were losers. The first time we still had not sold our house in CA (which was forclosed on eventually) and so we were trying to make both payments till all our extra funds were exhausted. Once we caught up on the house my husband was laid off for four months. Again we got behind, my husband did go back into the work force for 1/3 of he annual pay. But hey, at least he had a job and we still have our house. So again, they worked with us by adding a few hundred dollars to our monthly payment over serveral months and in no time we will be currently and very thankful to the supportive staff at TBW. We might at one time considered refinancing, but due to the foreclosure and credit debt we had no choice to stay. It is not fair to blame TBW for your circumstances..... I chose to get a second job to cover the additional payment to keep my home for our family. Every month we call and check in with representatives from TBW and they're always there pleasantly helping. Don't wait for them to call, just pick up the phone and find a repayment plan that will work for you. They helped up do that.

Deedlls..Not everyone that has dealt with TBW have been as lucky as yourself with them..Some people "blame others instead of taking responsibility for their own actions..While others take responsibility for their own actions"..TBW/Craig Weitzel is a no good, rotten, lieing, coward and thieve.."Plain and simple!!"..Infact there is a "class action" lawsuit pending against TBW according to a source.."So doesn't that tell you something"..TBW, as well as Great Commission Realty/Gilbert "Bud", Oakstar Bank/Julier..Their appraiser/Kym .."And oh yes lets not forget the "bogus/fraudulent" appraiser (Cynthia) that TBW/Craig used, and yet didn't expect to get caught.."Which TBW and Miss did "immediately"..Guess that is why TBW sent out another appraiser (Samatha) but didn't expect her to be honest with her report.."She was very honest and professional and those mentioned above "didn't like it at all"..Infact TBW stated if the home came back to what it did, they (TBW) would make it right to our satisfaction..See, we became victims of "mortgage fraud".."My husband and I will take responsibility for "our own actions" but will be "damned if we will take responsibility for anothers!!"..The following information is "exactly" what happened to us, and those mentioned above are 100% responsible..

From the FBI: All You Need to Know About Mortgage Fraud
on May 27, 2007
MORTGAGE FRAUD INDICATORS
Inflated Appraisals
• Exclusive use of one appraiser
COMMON MORTGAGE FRAUD SCHEMES
Property is purchased, falsely appraised at a higher value.

What makes property illegal is that the appraisal information is fraudulent. The schemes typically involve one or more of the following: fraudulent appraisals, doctored loan documentation, inflating buyer income, etc. Kickbacks to buyers, investors, property/loan brokers, appraisers, title company employees are common in this scheme. A home worth $20,000 may be appraised for $80,000 or higher in this type of scheme.
Inflated Appraisals. The report inaccurately states an inflated property value.

Does foreclosure carry over state to state?

What is TBW? I lost my job in oct. my home was in a modification as it was. Since HSBC sd that I have defaulted on the modication though it was no fault of my own that I got layed off with J.K.Harris (who layed off 150 ppl a couple of months before christmas), HSBC will not offer another modification. Today is New Years Eve and I just got served with foreclosure ppwrk. Now HSBC is saying that will take no less than $12K to catch it up because they are starting as if it was never in modification. Have to have it february or we will lose the home. My husband was a mortgage broker with a college degree but the company he was working for went under and now he is driving a medicaid bus for alittle over minimum wage. I have a disabled adult daughter and 2 other younger children. I don't know what we are going to do. It really stinks that HSBC could not have waited til monday at least. Why New Year Eve to serve me with this bad news.
I want to know if I should find a buyer that would make a lower offer than what the house is worth in a short sale or quick sale, How to I do this? What kind of ppw is involved b/cuz I may have someone that could do a short sale to buy the home and then rent it to me so that I can keep my children stable and safe.
Please let me know how to start this process.

What is TBW? I lost my job in oct. my home was in a modification as it was. Since HSBC sd that I have defaulted on the modication though it was no fault of my own that I got layed off with J.K.Harris (who layed off 150 ppl a couple of months before christmas), HSBC will not offer another modification. Today is New Years Eve and I just got served with foreclosure ppwrk. Now HSBC is saying that will take no less than $12K to catch it up because they are starting as if it was never in modification. Have to have it february or we will lose the home. My husband was a mortgage broker with a college degree but the company he was working for went under and now he is driving a medicaid bus for alittle over minimum wage. I have a disabled adult daughter and 2 other younger children. I don't know what we are going to do. It really stinks that HSBC could not have waited til monday at least. Why New Year Eve to serve me with this bad news.
I want to know if I should find a buyer that would make a lower offer than what the house is worth in a short sale or quick sale, How to I do this? What kind of ppw is involved b/cuz I may have someone that could do a short sale to buy the home and then rent it to me so that I can keep my children stable and safe.
Please let me know how to start this process.

What is TBW? I lost my job in oct. my home was in a modification as it was. Since HSBC sd that I have defaulted on the modication though it was no fault of my own that I got layed off with J.K.Harris (who layed off 150 ppl a couple of months before christmas), HSBC will not offer another modification. Today is New Years Eve and I just got served with foreclosure ppwrk. Now HSBC is saying that will take no less than $12K to catch it up because they are starting as if it was never in modification. Have to have it february or we will lose the home. My husband was a mortgage broker with a college degree but the company he was working for went under and now he is driving a medicaid bus for alittle over minimum wage. I have a disabled adult daughter and 2 other younger children. I don't know what we are going to do. It really stinks that HSBC could not have waited til monday at least. Why New Year Eve to serve me with this bad news.
I want to know if I should find a buyer that would make a lower offer than what the house is worth in a short sale or quick sale, How to I do this? What kind of ppw is involved b/cuz I may have someone that could do a short sale to buy the home and then rent it to me so that I can keep my children stable and safe.
Please let me know how to start this process.