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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 http://mdhope.dhcd.maryland.gov/Pages/Home.aspx 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 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.

Foreclosure Counseling Services

Updated 8/15/11

Region

County

Organization

Central

Anne Arundel County

Anne Arundel County Community Action Agency
Phone: 410-626-1900
Fax: 410-267-9143
Address: 251 West St
P.O. Box 1951
Annapolis, Maryland 21401
Languages: - Spanish
http://www.aaccaa.org/

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: 410-485-0728
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
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: 301-891-8423
Toll Free 1-866-OWN-2DAY
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: 410-366-8550
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
Tri-Churches Housing, Inc.
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 County




COMMUNITY ASSISTANCE NETWORK
Phone: 410-285-4674
Fax: 410-285-6707
Address: 7900 E. Baltimore Street,
Baltimore, MD 21224
http://www.canconnects.org

Eastside Community Development Corporation
Phone - 410-284-9861
Fax - 410-284-9864
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
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: 410-996-5245
Fax: 410-996-5256
Address: 200 Chesapeake Blvd. Suite 1800
Elkton, Maryland 21921

http://www.ccgov.org/dept_housing/index.cfm

Harford County










HARFORD COUNTY HOUSING AGENCY
Phone: 410-638-3045-3047
Fax: 410-893-9816
Address: 15 South Main Street
Suite 106
Bel Air, Maryland 21014
http://www.harfordhousing.org/
HOME PARTNERSHIP, INCORPORATED
Phone: 410-679-3200
Fax: 410-679-3208
Address: Rumsey Towers Building Suite 301
626 Towne Center Drive
Joppatowne, Maryland 21085
http://www.homepartnershipinc.org
Montgomery County

CCCS OF GREATER WASHINGTON, A DIVISION OF MMI
Toll Free: 800-889-9347
Fax: 301-948-7498
Address: 15847 Crabbs Branch Way
Rockville, Maryland 20855-2635
http://www.moneymanagement.org

Latino Economic Development Corporation
Phone: 240-777-4960
Toll Free: 1-866-977-LEDC
2405 Price Avenue,
Wheaton MD, 20902
http://www.ledcdc.org

Prince George's County

UNITY ECONOMIC DEVELOPMENT CORPORATION
Phone: 301-505-0331
Address: 6810 Floral Park Road
Brandywine, Maryland 20613-9003

http://www.unityedc.org/

KAIROS DEVELOPMENT CORPORATION, INC.
Phone: 301-899-1180
Fax: 301-899-8487
Address: 5601 Old Branch Avenue,
Camp Springs, MD 20748.
Email:kairoscdc@aol.com
http://www.kairosgroups.org

UNITED COMMUNITIES AGAINST POVERTY
Phone: 301-322-5700
Fax: 301-322-3381
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
http://hiphomes.org/wp/
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
SOWING EMPOWERMENT IN ECONOMIC DEVELOPMENT
Phone: 301-458-9808-136
Fax: 301-864-5448
Address: 6201 Riverdale Road, Suite 200,
Riverdale MD 20737
http://www.seedinc.org/
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 County

CUMBERLAND NEIGHBORHOOD HOUSING SERVICES, INC
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 County

FREDERICK COMMUNITY ACTION AGENCY
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 OF MMI
http://www.moneymanagement.org

Garrett County

GARRETT COUNTY COMMUNITY ACTION COMMITTEE, INC.
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 County

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 Shore

Caroline           County

MARYLAND RURAL DEVELOPMENT CORPORATION
Phone: 410-482-2585
Fax: 410-479-3710
Address: 101 Cedar Ave
PO Box 739
Greensboro, Maryland 21639-0739
http://www.mrdc.net

Dorchester County Delmarva Community Services, Inc.
410-901-2991
2450 Cambridge Beltway
Cambridge, MD 21613
http://www.dcsdct.org

Wicomico        County

SALISBURY NEIGHBORHOOD HOUSING SERVICE, INC
Phone: 410-543-4626-201
Fax: 410-543-9204
Address: 400 Snow Hill Road
Salisbury, Maryland 21801
http://www.salisburynhs.org

SHORE UP!, INC
Phone: 410-749-1142
Fax: 410-742-9191
Email: tchase@shoreup.org
Address: 520 Snow Hill Rd
Salisbury, Maryland 21804-6031
http://www.shoreup.org

Southern

Charles County

          

SOUTHERN MARYLAND TRI-COUNTY COMMUNITY ACTION
Phone: 301-274-4474 ext. 204
Fax: 301-274-0423
Address: 8383 Leonardtown Rd.
PO Box 280
Hughesville, Maryland 20637
http://www.smtccac.org

Please send any updates or changes to this list to webmaster@oag.state.md.us


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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