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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.

HOPE Initiative -- With homeownership and neighborhoods threatened by defaulting subprime and “exotic” mortgages (e.g., adjustable-rate mortgages or ARMs), Home Owners Preserving Equity was launched by the Governor's Office. 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 more information.

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.

Foreclosure Counseling Services

Updated 3/23/15

Allegany County HRDC

Allegany

21502

301-777-5970

www.alleganyhrdc.org

Arundel Community Development Services, Inc.

Anne Arundel

21401

410-222-7600

www.acdsinc.org 

Belair Edison Neighborhoods, Inc.

Baltimore City

21213

410-485-8422

www.belair-edison.org 

Druid Heights Community Development Corp.

Baltimore City

21217

410-523-1350

www.druidheights.com

Garwyn Oaks Northwest Housing Resource Center

Baltimore City

21216

410-947-0084

www.go-northwesthrc.org 

Neighborhood Housing Services of Baltimore

Baltimore City

21231

410-327-1200

www.nhsbaltimore.org

Park Heights Renaissance, Inc.

Baltimore City

21215

410-664-4890

www.phrmd.org

Southeast Community Development Corporation

Baltimore City

21224

410-342-3234

www.southeastcdc.org 

Comprehensive Housing Assistance, Inc.

Baltimore City and Baltimore County

21209

410-466-1990

www.chaibaltimore.org 

Diversified Housing Development, Inc.

Baltimore County

21244

410-496-1214

www.diversifiedhousing.org 

Eastside Community Development Corporation

Baltimore County

21224

410-284-9861

www.eastsidecdc.org 

Cecil County Housing Agency

Cecil County

21921

410-996-5245

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

Delmarva Community Services, Inc

Eastern Shore

21613

410-901-2991

www.dcsdct.org

Salisbury Neighborhood Housing Services

Eastern Shore

21804

410-543-4626

www.salisburynhs.org

Shore-Up! Inc.

Eastern Shore

21804

410-749-1142

www.shoreup.org

Maryland Rural Development Corp.

Eastern Shore and Cecil County

21639

410-275-1824

www.mrdc.net

City of Frederick/Frederick CAA

Frederick

21701

301-600-1506

www.cityoffrederick.com/fcaa

Garrett County Community Action Committee

Garrett and Allegany

21550

301-334-9431

www.garrettcac.org

Home Partnership, Inc.

Harford and Cecil

21085

410-679-3200

www.homepartnershipinc.org

Harford County Housing Agency

Harford County

21014

410-638-3045

http://www.harfordhousing.org/

Asian American Homeownership Counseling

Howard, Montgomery and Prince George's

20852

301-760-7636

www.aa-hc.org 

Housing Initiative Partnership, Inc.

Montgomery and Prince George's

20782

301-699-3835

www.hiphomes.org

Centro de Apoyo Familiar (CAF)

Montgomery and Prince George's County

20737

301-328-3292

www.mycaf.org 

Latino Economic Development Corporation

Montgomery County

20902

1-866-977-LEDC (5332)

www.ledcmetro.org

Greater Washington Urban League, Inc.

Prince George's County

20009

301-985-3519

http://www.gwul.org/

HomeFree-USA

Prince George's

20782

301-891-8400

www.homefreeusa.org

Kairos Development Corporation

Prince George's

20746

301-899-1180

www.kairosgroups.org

Sowing Empowerment and Economic Development

Prince George's

20737

301-458-9808

https://www.facebook.com/SEEDINC

United Communities Against Poverty

Prince George's

20731

301-322-5700

www.ucappgc.org

Housing Options and Planning Enterprises, Inc.

Prince George's and Charles

20745

301-567-3330

www.hopefinancial.org

Unity Economic Development Corporation

Prince George's and Charles

20613

301-505-0331

www.unityedc.org

Housing Counseling Services (HCS)

Prince George's County

20009

202-667-7006

http://housingetc.org

Lydia's House in Southeast

Prince George's County

20774

301-322-5353

http://www.lydiashousendc.org/

Southern Maryland Tri-County CAC

Southern Maryland

20637

301-274-4474

www.smtccac.org

Consumer Credit Counseling Service of Maryland and Delaware, Inc.

Statewide

21228 (Main Office) 8 other offices

1-800-642-2227

www.cccs-inc.org

St. Ambrose Housing Aid Center, Inc.

Statewide

21218

410-366-8550 x235

www.stambros.org

Springboard Consumer Credit Management, Inc.

Statewide

20817

1-877-947-3752

http://springboard.org/

Hagerstown Neighborhood Development Corp.

Washington

21740

301-797-0900

www.hagerstownhomestore.org

Washington County Community Action Committee

Washington

21740

301-797-4161

www.wccac.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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