Horry County Foreclosure Resources

Yes. South Carolina permits only judicial foreclosure, so every Horry County case is filed in the Court of Common Pleas and referred to the Master in Equity. The property is sold by the Horry County Sheriff's Office under an order of sale — never by a private trustee.

Thirty days from service. South Carolina's foreclosure Summons sets a 30-day answer deadline, and missing it typically results in a default judgment and an order of sale. If you have been served, confirm the exact service date first — it controls every other deadline.

The Horry County Court of Common Pleas, Fifteenth Judicial Circuit, at the Horry County Government & Justice Center, 1301 2nd Ave in Conway. Foreclosure matters are referred to the Master in Equity, who hears the case and issues the order of sale.

The Master in Equity is the judicial officer who hears foreclosure matters for Horry County. The Master signs the judgment of foreclosure, issues the order of sale, and decides whether to confirm the Sheriff's sale. Because defenses are heard by the Master rather than a jury, the Master's docket is where a Horry County foreclosure is actually decided.

There are real opportunities, each with strict timing: reinstating the loan before sale, filing objections to confirmation before the Master in Equity, or an automatic stay in bankruptcy. Because the sale requires an order of sale and is not final until confirmed, the confirmation stage is a genuine point of intervention that many homeowners overlook.

It changes the case substantially. Federal loss-mitigation rules and most servicer modification programs are built around the borrower's primary residence, and South Carolina homestead protection applies to a principal residence rather than an investment property. In a county like Horry, where a large share of housing is investor-owned or rented, loans are frequently reviewed under stricter investor guidelines. Documenting occupancy history and rental income is often the first substantive step — and for a property that was once owner-occupied, proving that period can matter.

Service. When the owner is absent from South Carolina, a foreclosure often proceeds by publication or by service on a designated agent, and both routes have strict requirements. If notice never reached you personally, whether service was valid is a threshold question that can affect the entire judgment — and it must be raised in the case, not after the sale. Confirm the service method and the mailing address the servicer had on file before the answer deadline passes.

The lender must move the court for a deficiency judgment rather than collect one automatically. You may ask the Master in Equity to determine the property's fair market value as of the sale, and that value is credited against the debt. Horry County's coastal demand means sales generally bring bids that cover the debt, which limits deficiency exposure — but the request is still worth making if a bid came in low.