310 New Bridge Street Jacksonville, NC 28540
Moving onward and upward


J. Hegg Law represents consumers against unfair and abusive business practices, including by debt collectors. We also assist North Carolina consumers with issues involving identity theft, auto fraud, inaccurate credit and background reports, student loan debt, and a variety of other consumer issues.

If you are facing unfair or unlawful conduct by a company, J. Hegg Law may be able to help. Call J. Hegg Law today at (910) 219-3696, send our firm an email, or use the contact form for a free consumer case evaluation.

Foreclosure and Mortgage Issues

Let J. Hegg Law help you with your foreclosure or mortgage servicing problems.
If you are facing foreclosure, or are having other difficulties with your mortgage servicer, it is important to know that you do not have to face it alone. The foreclosure process can be intimidating and overwhelming for many homeowners and their families. Therefore, it is important to remember that there are often options available to help you keep your home or alternatives to foreclosure, such as a loan modification or short sale. At J. Hegg Law, we can help you navigate this process and determine what options are best for you and your family.


In 2009, President Obama implemented the Making Home Affordable Program (MHA), which was intended to help keep families in their homes after the mortgage crisis threatened millions of homeowners with foreclosure. The MHA provides the option for homeowners to modify or refinance their mortgage loans and offers incentives to loan servicers to implement these programs. One of the most common programs that the MHA offers is the Home Affordable Modification Program (HAMP), which provides lower monthly mortgage payments with loan modifications to eligible homeowners. Additionally, if you are not behind on your mortgage but have been unable to obtain a traditional refinance, the MHA offers a Home Affordable Refinance Program (HARP), which is designed to provide a more affordable loan. To learn more about these programs, visit the Making Home Affordable Program website or call the Homeowners Help Hotline at 888-995-HOPE (4673).

If you are ineligible for any of the government programs, you may be able to obtain a private loan modification offered by your mortgage loan servicer. Contact your individual loan servicer to request options for a more affordable mortgage loan.


When you are faced with an impending foreclosure or default on your mortgage loan, it is important that you do not wait to request help. Be proactive, and do not wait until the eve of a foreclosure sale before you seek help. Many options that might have been available earlier in the process are no longer available to you in the days or even weeks before a foreclosure sale is set to occur. Therefore, it is in your best interest to contact a consumer attorney or housing counselor to determine what options are available for a more affordable mortgage loan.

Unfortunately, there are many companies out there that do not have your best interests in mind. The rising incidence of foreclosure rates in recent years has also given rise to increased foreclosure “rescue” scams. These companies may offer foreclosure alternatives or stalling methods that sound too good to be true. In these cases, keep this in mind: if it sounds too good to be true, then it usually is. If you are being threatened with foreclosure, it is important that you beware of these scams. Instead, contact a consumer attorney or housing counselor who can help you. You may contact us at (910) 219-3696 or send our firm an email.

Legal Disclaimer: The facts involved in each case are unique, and in no instance are the facts of any case identical to those of another. Accordingly, the information contained on our website does not constitute a guarantee or assurance that the same or similar outcome can be obtained in every matter undertaken by our attorneys, nor should you assume that a particular result can be obtained for you. The outcome of a legal matter can depend upon a variety of factors, including the specific factual circumstances, the claims and defenses presented by an opposing party, and often developments in the law beyond the control of any client or attorney. The information contained on this website is presented for informational purposes only and is not intended, nor does it constitute, legal advice on any particular set of facts or circumstances. Neither your receipt of information from this website, nor your use of this website to contact J. Hegg Law, PLLC or one of its attorneys creates an attorney-client relationship between you and J. Hegg Law, PLLC. Prior to agreeing to represent any individual, J. Hegg Law, PLLC must first investigate for potential conflicts of interest and obtain a representation agreement signed by both parties. Finally, because each case presents its own unique set of facts and circumstances, you should contact an attorney for advice on your specific legal problems.