What happens if I ignore this foreclosure summons?

If you do not answer within 30 days of service, the plaintiff can request a default judgment, potentially leading to foreclosure and a deficiency judgment.

When was the complaint filed?

The complaint was filed March 3, 2026, in the Office of the Clerk of Court for Charleston County.

Who can I contact for the plaintiff's attorney information?

Crawford & von Keller, LLC at 1640 St. Julian Place, Columbia, SC; phone 803-790-2626; email court@crawfordvk.com.

Foreclosure — 1640 St. Julian Place, Columbia, SC (2026-CP-10-01128)

Official courthouse record · Indexed in NoticeRegistry archive · AI-enriched for research

Lender

Affects:DefendantsHomeownersCreditors

First-Citizens Bank & Trust Company filed a mortgage foreclosure complaint (deficiency judgment demanded) against James Michael Chumley and others in Charleston County. The defendant must answer within 30 days or the bank will seek default judgment and requested relief.

Key Takeaways

Defendant must file an Answer within 30 days of service
Foreclosure action seeks a deficiency judgment
Complaint filed March 3, 2026 in Charleston County
Failing to answer may result in default judgment

Published: May 16, 2026 · 3 days ago
Category: Foreclosure
City: Charleston
Address

1640 St. Julian Place, Columbia, SC · 2 filings

Case #

2026-CP-10-01128

Research context

2 filings at this address 2 foreclosure notices in Charleston (last 12 months)

View full case dossier

All filings for #2026-CP-10-01128 with AI case analysis

If you don't respond

If the defendant fails to answer within 30 days after service, the plaintiff will ask the court for a default judgment granting the relief requested in the complaint, which may include foreclosure and a deficiency judgment.

What to do next

1
File an Answer
Serve and file your Answer within 30 days of service at Crawford & von Keller, LLC (1640 St. Julian Place, Columbia, SC) to avoid default.
2
If a minor or incapacitated person is involved
Apply for a Guardian ad Litem within 30 days of service or the plaintiff will request appointment.
3
Get legal help
Contact an attorney immediately to discuss defenses and options before the 30-day deadline; use plaintiff counsel contact for filings.

Frequently asked questions

What happens if I ignore this foreclosure summons?: If you do not answer within 30 days of service, the plaintiff can request a default judgment, potentially leading to foreclosure and a deficiency judgment.
When was the complaint filed?: The complaint was filed March 3, 2026, in the Office of the Clerk of Court for Charleston County.
Who can I contact for the plaintiff's attorney information?: Crawford & von Keller, LLC at 1640 St. Julian Place, Columbia, SC; phone 803-790-2626; email court@crawfordvk.com.

The suggestions and answers above are AI-generated for general information only. They can be wrong, and we don't take responsibility for their accuracy. Talk to a qualified professional before acting on them.

Legal terms in this notice

Deficiency judgment: Court order requiring a borrower to pay the unpaid loan balance after foreclosure sale proceeds are applied.
Guardian ad Litem: Court-appointed representative to protect interests of minors or incapacitated persons in the lawsuit.

Full Notice Text

STATE OF SOUTH 
CAROLINA
COUNTY OF CHARLESTON
IN THE COURT OF 
COMMON PLEAS
CASE NO. 
2026-CP-10-01128
 
SUMMONS
(Deficiency Judgment 
Demanded)
(Mortgage Foreclosure)
Non-Jury
 
First-Citizens Bank & Trust Company.
Plaintiff,
-vs-
James Michael Chumley; Amelia Raegan Chumley; Retreat at Riverland Homeowners Association Inc.
Defendants 
 
TO THE DEFENDANT(S), James Michael Chumley
YOU ARE HEREBY SUMMONED and required to answer the Complaint in this action, and to serve a copy of your Answer on the subscribers at their office, 1640 St. Julian Place, Columbia, SC 29204, within (30) days after service hereof, exclusive of the day of such service; and if you fail to answer to Complaint within the time aforesaid, the Plaintiff in this action will apply to the Court for a judgment by default granting the relief demanded in the Complaint.
TO MINOR(S) OVER FOURTEEN YEARS OF AGE, AND/OR TO MINOR(S) UNDER FOURTEEEN YEARS OF AGE AND THE PERSON WITH WHOME THE MINOR(S) RESIDE(S), AN/OR TO PERSON UNDER SOME LEGAL DISABLILITY, INCOMPLETENTS AND PERSONS CONFINED AND PEERSON IN THE MILITARY:
YOU ARE FURTHER SUMMONED AND NOTIFED to apply for the appointment of a Guardian ad Litem within (30) days after service of this Summons and Notice upon you. If you fail to do so, application for such appointment will be made by the Plaintiff.
 
NOTICE OF FILING 
COMPLAINT
YOU WILL PLEASE TAKE NOTICE THAT the Summons and Complaint in the above-captioned action were filed on March 03, 2026, in the Office of the Clerk of Court for Charleston, South Carolina.
Crawford & von Keller, LLC
1640 St. Julian Place (29204)
PO Box 4216 (29240)
Columbia, SC
Phone: 803-790-2626
Email: court@crawfordvk.com
Attorneys for Plaintiff
 
AD #17382