NC General Statutes

N.C. Gen. Stat. § 45-107 (2026)

Foreclosure filing

✓ current as of July 2026

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(a) For the duration of the program authorized by this Article, foreclosure notices filed on home loans on or after November 1, 2010, shall contain a certification by the filing party that the pre-foreclosure notice required by G.S. 45-102 and the pre-foreclosure information required by G.S. 45-103 were provided in accordance with this Article and that the periods of time established by the Article have elapsed.

(b) The clerk of superior court or other judicial officer may have access to the pre-foreclosure database to confirm information provided in subsection (a) of this section. A materially inaccurate statement in the certification shall be cause for dismissal without prejudice of any foreclosure proceeding on a primary residence initiated by the mortgage servicer and for payment by the filing party of costs incurred by the borrower in defending the foreclosure proceeding. (2008-226, s. 1; 2010-168, ss. 1, 9; 2012-79, s. 2.17(g).)

Notes of Decisions

Cited in 1 case, 2017–2017 · leading case: In re Gupton, 797 S.E.2d 709 (N.C. Ct. App. 2017).

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In re Gupton, 797 S.E.2d 709 (N.C. Ct. App. 2017). “§ 45-107(b). The pre-foreclosure certificate in this case was signed by Amanda Moyer "as an employee or agent of Ocwen Loan Servicing, LLC.”

— N.C. Gen. Stat. § 45-107(b) — 1 case

In re Gupton, 797 S.E.2d 709 (N.C. Ct. App. 2017). “§ 45-107(b). The pre-foreclosure certificate in this case was signed by Amanda Moyer "as an employee or agent of Ocwen Loan Servicing, LLC.”

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