Facing Foreclosure?
Sell Fast. For Cash.

Stop The Foreclosure Clock
Before It's Too Late.

Foreclosure feels like it's all going to crash down at once — but in South Carolina, the process actually takes months, and there's a window to act. From the first missed payment to the actual courthouse auction, most Charleston homeowners have at least 90–150 days to make a move that preserves their credit and walks away with cash in hand.

Spartan Equity buys Charleston houses for cash before that auction date hits. We've closed deals in seven days when the auction was scheduled for day twelve. We pay your lender directly at closing, you walk away with whatever equity exists, and the foreclosure never appears on your credit report.

The South Carolina Foreclosure Timeline

Roughly speaking — and every situation is unique, so don't take this as legal advice — here's what the SC foreclosure process looks like:

Days 1–60: Missed payments accumulate, late fees pile on. Lender sends "notice of default" type letters.

Days 60–120: Lender's attorney files the foreclosure complaint with the county court. You're served. The clock starts on a formal legal proceeding.

Days 120–180+: Court hearing happens. If no resolution, the property is scheduled for the courthouse auction — typically 30–60 days after the hearing.

Auction day: Property is sold to the highest bidder, usually the bank. You lose the home, lose any equity that wasn't paid out at auction, and the foreclosure hits your credit for 7 years.

The window to sell to a cash buyer like us is anytime before that auction date. Even on day 150, we can usually close in time.

How We Help

• We close before your auction date — 7 days when needed
• We pay off your mortgage and any liens directly at closing
• Foreclosure never hits your credit report
• You walk away with cash for any equity you have
• We handle all the paperwork and coordinate with your lender
• No fees, no commissions, no closing costs to you