Partner Biography

Terry Hutchens launched his solo legal career in 1982. Starting with a staff of 7, the firm has since expanded into the High Performance Law firm it is today. Hutchens Law Firm employs more than 250 attorneys and support staff and has offices in Fayetteville, Charlotte, Wilmington, and Columbia, SC. Terry Hutchens concentrates his practice on matters pertaining to both default service, real estate including development, finance, liquidation, and litigation.

During his 37 year career as a licensed attorney, Terry has represented some of the largest residential construction companies in the country, providing the legal know-how to enable his clients to acquire raw land, obtain zoning, negotiate required utilities and infrastructure from municipal and private providers, develop subdivisions, and build and sell homes. In addition, Terry has represented and advised commercial construction companies in the same matters, enabling his clients to build retail/office apartments and office buildings, shopping centers, industrial parks, and mixed use properties. Terry has also provided the legal assistance necessary for his clients to build and manage apartment complexes in North and South Carolina, some built in cooperation with federal (Farm Home Administration and HUD) programs for specific populations (low income, elderly, special needs) as well as apartment complexes for the general population.

A large part of Terry's practice  has  always  been  devoted  to  representing  lenders, including banks, mortgage companies, credit unions, private corporations, the VA, HUD, GSEs and others in all legal matters pertaining to real estate finance, the protection and preservation of real estate investments and the liquidation of real property securing mortgage loans. In his practice Terry has provided nationwide legal services under an outsource contract to what was at the time one of the largest mortgage servicer companies in the country. The firm continues to provide such legal representation to many of the major lenders and mortgage servicing companies in the US. He and his firm have been designated counsel for Fannie Mae and Freddie Mac. Terry is a frequent author and lecturer on default servicing matters at mortgage seminars, at on-site sessions, and Bar sponsored seminars.

For almost four decades, Terry has been trying cases across North Carolina in state and federal courts (including Bankruptcy Court) as well as handling appeals to the North Carolina Court of Appeals and North Carolina Supreme Court. Although a lot of his trials have been about business or real estate, Terry has tried cases as varied as age discrimination, fraud, unfair and deceptive trade practices, contracts, and shareholder disputes. 

Professional Profile


Wake Forest School of Law, J.D., 1977

WFU Babcock Graduate School of Management, M.B.A., 1974

North Carolina State University, B.A., 1972


North Carolina State Bar

Admitted to practice before all North Carolina State Courts, all Federal district courts in NC, Fourth Circuit Court of Appeals and the US Supreme Court



American Bar Association

North Carolina State Bar

North Carolina Bar Association

North Carolina Bar Association, Member (Real Estate and Bankruptcy Committees)

North Carolina Creditors Bar Association - President 2015-2016

North Carolina Economic Development Board

Cumberland County Development Foundation

Wake Forest School of Law Board of Visitors, Member

USFN – America’s Mortgage Banking Attorneys, Member/Director; Member of the Year, 2010

Methodist University, Board of Trustees

Greater Fayetteville Chamber of Commerce, Director and Chairman of the Board of Directors

Fayetteville Economic Development Corporation, Director

North Carolina Board of Transportation, Board Member

North Carolina Economic Development Commission, Commission Member

Cumberland County Bar Association, President

Peace College, Member, Board of Trustees

YMCA, Board of Directors/Officer


Awarded Order of the Long Leaf Pine by Governor Jim Martin the highest civilian honor given by North Carolina

2011 American Business Ethics Award presented to him by the Foundation for Financial Service Professionals.

AV Preeminent rating from Martindale-Hubbell

Elected to the Board of Fellows for the American Bar Foundation

Selected to be on the North Carolina “Super Lawyers” List and “Super Lawyers Corporate Counsel” list by the North Carolina Super Lawyers Magazine 2007-2016

Selected by his peers for inclusion in The Best Lawyers in America© (2009-2016)


“The cases and clients mentioned on this site are illustrative of the matters handled by the firm. Case results depend upon a variety of factors unique to each case. Not all results are provided. Prior results do not guarantee a similar outcome.”

Publications & Presentations