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Foreclosure Counseling Services Law
The Maryland General Assembly has enacted legislation that provides certain protectionsto homeowners who face foreclosure. This law took effect on May 26, 2005 and, amongother things, requires that foreclosure notices contain the following warning:
“ Mortgage foreclosure is a com plex process. Som e people m ay approach you about " saving" your hom e. You should be careful about any such prom ises.The state encourages you to becom e inform ed about your options in foreclosure before entering into any agreem ents w ith anyone in connection w ith the foreclosure of your hom e. There are governm ent agencies and nonprofit organizations that you m ay contact for helpful inform ation about the foreclosure process. For the nam e and telephone num ber of an organization near you, please call the Consum er Protection Division of the Office of the Attorney General of Maryland at 1-888-743-0023. The state does not guarantee the advice of these organizations.Do not delay dealing w ith the foreclosure because your options m ay becom e m ore lim ited as tim e passes."
For a copy of the accounting form required to becompleted by foreclosure purchasers,click here.
Do you need advice concerning a pending foreclosure? The following is alist of Maryland organizations that provide foreclosure counseling to consumers in everyregion of the state (see chart below). In addition to these Maryland counselingorganizations, the Homeownership Preservation Foundation, provides foreclosurecounseling to homeowners nationwide. You can contact the Homeownership PreservationFoundation by telephone at 888-995-HOPE or at its website atwww.995hope.org.
Governor O’Malley has launched the
HOPE Initiative --
Home Ow ners Preserving Equity
. HOPE provides access to counseling services and resources for homeownersneeding to refinance. Call 1-877-462-7555 or visitwww.mdhope.orgfor links toforeclosure counseling services.
This list will be updated periodically. Please understand that this office cannot make
Anne Arundel, Baltimore, Carroll, Harford, Howard,Montgomery, and Prince George’s Counties and BaltimoreCity;
Calvert, Charles and Saint Mary’s Counties;
Allegheny, Frederick, Garrett and Washington Counties;and
Caroline, Cecil, Dorchester, Kent, Queen Anne’s,Somerset, Talbot, Wicomico and Worcester Counties.