Maryland Attorney General- Foreclosure Counseling Services Page 1 of 8

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Foreclosure Counseling Services Law

The Maryland General Assembly has enacted legislation that provides certain protections
to homeowners who face foreclosure. This law took effect on May 26, 2005 and, among
other things, requires that foreclosure notices contain the following warning:

“Mortgage foreclosure is a complex process. Some people may approach you

about "saving" your home. You should be careful about any such promises.

The state encourages you to become informed about your options in foreclosure
before entering into any agreements with anyone in connection with the
foreclosure of your home. There are government agencies and nonprofit
organizations that you may contact for helpful information about the foreclosure
process. For the name and telephone number of an organization near you, please
call the Consumer 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 with the foreclosure because your options may become
more limited as time passes."

FORECLOSURE PURCHASERS: For a copy of the accounting form required to be

completed by foreclosure purchasers, click here.

CONSUMERS: Do you need advice concerning a pending foreclosure? The following is a

list of Maryland organizations that provide foreclosure counseling to consumers in every
region of the state (see chart below). In addition to these Maryland counseling
organizations, the Homeownership Preservation Foundation, provides foreclosure
counseling to homeowners nationwide. You can contact the Homeownership Preservation
Foundation by telephone at 888-995-HOPE or at its website at www.995hope.org.

Governor O’Malley has launched the HOPE Initiative -- Home Owners Preserving
Equity. HOPE provides access to counseling services and resources for homeowners
needing to refinance. Call 1-877-462-7555 or visit www.mdhope.org for links to
foreclosure counseling services.

Central Maryland - Anne Arundel, Baltimore, Carroll, Harford, Howard,

Montgomery, and Prince George’s Counties and Baltimore
City;
Southern Maryland - Calvert, Charles and Saint Mary’s Counties;
Western Maryland - Allegheny, Frederick, Garrett and Washington Counties;
and
Eastern Shore - Caroline, Cecil, Dorchester, Kent, Queen Anne’s,
Somerset, Talbot, Wicomico and Worcester Counties.

This list will be updated periodically. Please understand that this office cannot make

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recommendations as to which of the following organizations you should contact. You may
want to contact several of the organizations nearest you to find the one that will best
meet your needs.

HOPE Initiative
With homeownership and neighborhoods threatened by defaulting subprime and “exotic”
mortgages (e.g., adjustable-rate mortgages or ARMs), Governor O’Malley has launched
the HOPE Initiative -- Home Owners Preserving Equity. Click here to learn more.

Lifeline Program
The Community Development Administration’s (CDA) Lifeline Refinance Mortgage program
provides a refinancing option to Marylanders who may be facing difficulties after financing
their homes with adjustable rate or other unfavorable mortgages, or with mortgages that
no longer fit their financial situation. Click here to learn more about the Lifeline Program.

Foreclosure Counseling Services

Updated 12/19/08

Region County Organization

Central Anne Arundel ANNE ARUNDEL COUNTY ECONOMIC OPPORTUNITY

County COMM
Phone: 410-626-1900-1018
Fax: 410-267-9143
Address: 251 West St
P.O. Box 1951
Annapolis, Maryland 21404
Languages: - Spanish

ARUNDEL COMMUNITY DEVELOPMENT SERVICE INC

Phone: 410-222-7600-130
Fax: 410-222-7619
Email: chall@acdsinc.org
Address: 2666 Riva Road
Suite 210
Annapolis, Maryland 21401
Languages: - Spanish

HOUSING COMMISSION OF ANNE ARUNDEL COUNTY

Phone: 410-222-6200-123
Fax: 410-222-6214
Address: 7477 Baltimore-Annapolis Blvd
PO Box 817
Glen Burnie, Maryland 21060-2817
http://www.hcaac.org

Baltimore City BELAIR - EDISON NEIGHBORHOODS, INC.

Phone: 410-485-8422
Fax: 410-485-8422
Email: Johnette@belair-edison.org
Address: 3412 Belair Road
Baltimore, Maryland 21213
http://www.belair-edison.org

CCCS OF MARYLAND AND DELAWARE

Phone: 866-731-8486

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Toll Free: 866-731-8486

Fax: 410-869-8828
http://www.cccs-inc.org

DRUID HEIGHTS COMMUNITY DEVELOPMENT CORP.

Phone: 410-523-1350-10
Fax: 410-523-1374
Address: 2140 McCulloh Street
Baltimore, Maryland 21217-3529
http://www.druidheights.com

GREATER BALTIMORE URBAN LEAGUE

Phone: 410-523-8150-247
Fax: 410-523-4022
Address: 512 Orchard St
Baltimore, Maryland 21201-1947
http://www.bul.org

GO-NORTHWEST HOUSING RESOURCE CENTER

Phone: 410-947-0084
Address: 2300 Garrison Blvd, Suite 140
Baltimore, Maryland 21216
http://www.go-northwesthrc.org

HOMEFREE - USA OF BALTIMORE MD

Phone: 301-891-8404
Fax: 301-891-8434
Address: 231 E Baltmore Street # 300
Baltimore, Maryland 20201
http://www.homefreeusa.org

NACA (NEIGHBORHOOD ASSISTANCE CORPORATION OF

AMERICA) BALTIMORE, MD
Phone: 410-783-0465
Toll Free: 888-297-5568
Address: 1 East Mount Royal Avenue
Baltimore, Maryland 21202
http://www.naca.com

NEIGHBORHOOD HOUSING SERVICES OF BALTIMORE,

Phone: 410-327-1200-19
Fax: 410-675-1855
819 Park Avenue
Baltimore, Maryland 21201
http://www.nhsbaltimore.org/

ST. AMBROSE HOUSING AID CENTER, INC.

Phone: 410-366-8362-216
Fax: 410-366-8795
Address: 321 E. 25th Street
Baltimore, Maryland 21218-5303
http://www.stambros.org

THE DEVELOPMENT CORPORATION OF NORTHWEST

BALTIMORE
Phone: 410-578-7190-14
Fax: 410-578-7193
Address: 3521 West Belvedere Avenue
Baltimore, MD 21215-5802
Baltimore, Maryland 21215

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410-385-1463 – phone
815 Scott Street
Baltimore, MD 21230

SOUTHEAST COMMUNITY DEVELOPMENT CORPORATION

Phone: 410-342-3234-29
Fax: 410-342-1719
Address: 3700 Eastern Avenue
Baltimore, Maryland 21224
http://www.southeastcdc.org

Baltimore COMMUNITY ASSISTANCE NETWORK

County Phone: 410-285-4674
Fax: 410-288-1740
Address: 7701 Dunmanway
Baltimore, Maryland 21222-5437
http://www.canconnects.org

Eastside Community Development Corporation

410-284-9861 – phone
7835 Eastern Avenue
Baltimore, MD 21224
http://www.eastsidecdc.org

We Are Family Community Development Corporation

8611 Church Lane
Randallstown, Maryland 21133
(410) 922-9623
http://www.wearefamilycdc.org
Linda E. Mouzon, Executive Director
lmouzon_wafcdc@comcast.net
Yolanda S. Surles
Homeownership & Foreclosure Director
ysurles_wafcdc@comcast.net

Cecil County CECIL COUNTY HOUSING AGENCY

Phone: 410-996-8215
Fax: 410-996-5256
Address: 200 Chesapeake Blvd. Suite 1800
Elkton, Maryland 21921

Harford HARFORD COUNTY HOUSING AGENCY

County Phone: 410-638-3045-3047
Fax: 410-893-9816
Address: 15 South Main Street
Suite 106
Bel Air, Maryland 21014
http://www.harfordcountymd.gov

HOME PARTNERSHIP, INCORPORATED

Phone: 410-679-3200-12
Fax: 410-679-3208
Address: Rumsey Towers Building Suite 301
626 Towne Center Drive
Joppatowne, Maryland 21085
http://www.homepartnershipinc.org

HOWARD ST.STEPHENS ECONOMIC DEVELOPMENT

COUNTY Phone: 410-799-4121
Fax: 410-799-7640

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Address: 7741 Mayfield Avenue

Elkridge, Maryland 21075
Languages: - English Only

Montgomery CCCS OF GREATER WASHINGTON, A DIVISION OF MMI

County Phone: 800-747-4222
Toll Free: 800-747-4222
Address: 8613 Piney Branch Road
Silver Spring, Maryland 20901
Affiliation: CCCS OF GREATER WASHINGTON, A DIVISION
OF MMI
http://www.moneymanagement.org

CCCS OF GREATER WASHINGTON, A DIVISION OF MMI

Phone: 800-747-4222
Toll Free: 800-747-4222
Fax: 877-405-0596
Address: 8605 Cameron Street Ste M2
Silver Spring, Maryland 20910
http://www.moneymanagement.org

CCCS OF GREATER WASHINGTON, A DIVISION OF MMI

Phone: 800-747-4222
Toll Free: 800-747-4222
Fax: 301-948-7498
Address: 15847 Crabbs Branch Way
Rockville, Maryland 20855-2635
http://www.moneymanagement.org

Latino Economic Development Corporation

240-777-4960
3015 Upton Drive
Kensington, MD 20895
http://www.ledcdc.org

Prince UNITY ECONOMIC DEVELOPMENT CORPORATION

George’s Phone: 301-372-6036
County Fax: 301-372-1049
Email: ekosministries@aol.com
Address: 6810 Floral Park Road
Brandywine, Maryland 20613-9003

KAIROS DEVELOPMENT CORPORATION, INC.

Phone: 301-899-1180
Fax: 301-899-8487
http://www.kairosgroups.org

UNITED COMMUNITIES AGAINST POVERTY

Phone: 301-322-5700
Fax: 301-322-3881
Address: 1400 Doewood Lane, P.O.Box 31356
Capital Heights, Maryland 20731-0356
http://www.ucappgc.org

HOUSING INITIATIVES PARTNERSHIP, INCORPORATED

Phone: 301-699-3835
Fax: 301-699-8184
Address: 6525 Belcrest Road
Suite 555
Hyattsville, Maryland 20782

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http://www.hiphomes.org

THE GREATER WASHINGTON URBAN LEAGUE

Phone: 301-985-3519
Fax: 301-985-3523
Address: 5012 Rhode Island Ave
Hyattsville, Maryland 20781-
http://www.gwul.org

HOUSING OPTIONS & PLANNING ENTERPRISE, INC.

Phone: 301-567-3330
Fax: 301-567-3320
Email: donnahurley@hopeinconline.com
Address: 6192 Oxon Hill Road
Suite 405
Oxon Hill, Maryland 20745
http://www.hopeinconline.com

SOWING EMPOWERMENT IN ECONOMIC DEVELOPMENT

Phone: 301-458-9808-136
Fax: 301-864-5448
Address: 6200 Riverdale Road, Suite 200
Riverdale, Maryland 20737

ROOTS OF MANKIND CORPORATION

Phone: 301-899-6800
Toll Free: 866-490-6800
Fax: 301-899-8444
Address: 4273 Branch Avenue, Suite 205
Temple Hills, Maryland 20748
Counseling Services: - Home Equity Conversion Mortgage
Counseling
http://www.romkind.org

Western Allegany CUMBERLAND NEIGHBORHOOD HOUSING SERVICES, INC

County Phone: 301-722-6958
Fax: 301-722-6966
Email: rparsons@cumberlandnhs.org
Address: 400 N Mechanic St
Cumberland, Maryland 21502
Languages: - English Only
Affiliation: NEIGHBORHOOD REINVESTMENT CORPORATION

http://www.cumberlandnhs.org

Frederick FREDERICK COMMUNITY ACTION AGENCY

County Phone: 301-600-1506
Fax: 301-662-9079
Address: 100 S Market St
Frederick, Maryland 21701-5527
http://www.cityoffrederick.com/departments/CAA/Agency.htm

CCCS OF GREATER WASHINGTON, A DIVISION OF MMI

Phone: 301-695-0369
Toll Free: 800-747-4222
Fax: 301-695-4878
Address: Suite 404
1003 W. 7th Street
Fredrick, Maryland 21701
Affiliation: CCCS OF GREATER WASHINGTON, A DIVISION

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OF MMI
http://www.moneymanagement.org

Garrett GARRETT COUNTY COMMUNITY ACTION COMMITTEE, INC.

County
Phone: 301-334-9431-149
Toll Free: 888-877-8403
Fax: 301-334-8555
Address: 104 E. Center Street
Oakland, Maryland 21550-1328
http://www.garrettcac.org

Washington CCCS OF GREATER WASHINGTON, A DIVISION OF MMI

County Phone: 301-416-8284
Toll Free: 800-747-4222
Fax: 301-791-1641
Address: Suite 112B
920 W. Washington Street
Hagerstown, Maryland 21740
Affiliation: MONEY MANAGEMENT INTERNATIONAL INC.
http://www.moneymanagement.org

HAGERSTOWN NEIGHBORHOOD DEVELOPMENT

PARTNERSHIP, INC.
Phone: 301-797-0900
Fax: 301-797-2991
Address: 21 East Franklin Street
Hagerstown, Maryland 21740
http://www.hagerstownhomestore.org

WASHINGTON COUNTY COMMUNITY ACTION COUNCIL

Phone: 301-797-4161-124
Fax: 301-791-9062
Address: 101 Summit Ave.
Hagerstown, Maryland 21740
http://www.wccac.org

Eastern Caroline MARYLAND RURAL DEVELOPMENT CORPORATION

Shore County Phone: 410-479-3566-14
Fax: 410-479-3710
Address: 101 Cedar Ave
PO Box 739
Greensboro, Maryland 21639-0739
http://www.mrdc.net

Dorchester Delmarva Community Services, Inc.

County 410-901-2991
2450 Cambridge Beltway
Cambridge, MD 21613
http://www.dcsdct.org

Wicomico SALISBURY NEIGHBORHOOD HOUSING SERVICE, INC

County Phone: 410-543-4626-201
Fax: 410-543-9204
Address: 400 Snow Hill Road
Salisbury, Maryland 21804
http://www.salisburynhs.org

SHORE UP!, INC

Phone: 410-749-1142

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Fax: 410-742-9191
Email: tchase@shoreup.org
Address: 520 Snow Hill Rd
Salisbury, Maryland 21804-6031
http://www.shoreup.org

Southern Charles SOUTHERN MARYLAND TRI-COUNTY COMMUNITY ACTION

County
Phone: 301-274-4474-253
Fax: 301-274-0423
Address: 8383 Leonardtown Rd.
PO Box 280
Hughesville, Maryland 20637
http://www.smtccac.org

Accounting Form for Foreclosure Purchasers

Under section 7-311(d) of the Real Property Article, the General Assembly requires
foreclosure purchasers to “make a detailed accounting of the basis for payment made to
the homeowner of a property resold within 18 months after entering into a foreclosure
reconveyance agreement.” A “foreclosure purchaser” is a “person who acquires title or
possession of a deed or other document to a residence in foreclosure as a result of
foreclosure reconveyance.”

The accounting is required to be “on a form prescribed by the Attorney General in

consultation with the Division of Financial Regulation and shall include detailed
documentation of expenses and other consideration paid by the foreclosure purchaser and
deducted from the sale price.” For a copy of the form click here or call the Consumer
Protection Division at (410) 576-6556.

Attorney General of Maryland 1 (888) 743-0023 toll-free / TDD: (410) 576-6372

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