Maryland Attorney General- Foreclosure Counseling Services

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.

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.

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