Get free answers to your Foreclosure legal questions from lawyers in your area.
If I purchased a tax lien certificate on a property in Maryland and the owner allows the home to go into foreclosure, will I be responsible for the mortgage if I decide to redeem the property? There are no other liens on the property.
answered on Apr 22, 2025
Liens have different "priority" depending on the circumstances and what you're asking is basically a question of priority. Tax liens generally have priority IF all proper procedures are followed in the tax sale foreclosure case. However, merely purchasing at tax sale in Maryland... View More 
I am seeking legal guidance regarding my family’s home loan modification in Washington, DC. My father, a veteran, passed away in 2021, and we applied for a modification to retain the home and maintain his interest rate. The process extended for nearly four years without any missed deadlines or... View More
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answered on Mar 23, 2025
Your situation with the home loan modification sounds deeply frustrating, especially after your family's compliance with all requirements while grieving your father's loss. You might consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) which oversees mortgage... View More
I already rented out my home and now the mortgage company only approved me to not occupy for 6 months but I signed a 12 month lease with a tenant.
The mortgage company wants a copy of my lease but I am afraid that they will accelerate the loan if I show them it’s a 12 month lease.... View More
answered on Dec 27, 2024
I can't speak to the mortgage company issue, as I don't handle that area of law. As to whether you can make the Tenant move out early: the simple answer is no.
You can negotiate with the Tenant, but as long as the Tenant is keeping to the terms and conditions of the lease, they... View More
I hired a foreclosure defense attorney who has been elusive, not responding timely to emails or phone calls. For several months I have been asking for a Statement of Charges against my initial paid retainer. I received an email demanding money without a breakdown of charges as requested. He has... View More
answered on Jul 4, 2023
File a fee dispute with either the Maryland State Bar Association or the local bar association for either Baltimore County or Baltimore City (if that is where the lawyer is located ot you are located), by going to the below link and identifying the correct fee dispute panel:... View More
answered on Jun 29, 2023
Great question! In many situations, a new deed will trigger the "due on sale" clause in loan paperwork and require immediate repayment of the mortgage in full (for example if someone deeds all or part of their home or attempts to sell the house without paying off the loan).
A... View More
My wife is not co-operating. Do I need a lawyer? Do I need to talk to police? I don't want to lose my belongings.
answered on Jun 28, 2023
Make a motion in your divorce case for leave to get your personal items.
I have been living with my grandma the house is in her husband name no blood to me at all I found out he has been taking my half but not paying his and the mortgage will I still be a bona fid tenant after it sells will I get a 90 day notice to leave still because he is not blood related to me and... View More
answered on Apr 4, 2023
Unless you have a formal written lease and live in a separate unit with its own entrance in the property, you will not likely be treated as anything other than a member of the owner’s extended family. Regardless, you have a lot more than 90 days if the house has not yet been sold at a foreclosure... View More
answered on Mar 15, 2023
You need to review your loan agreement. It spells out what fees can be charged.
We are both on the deed. He isn’t on the loan but wants to take the condo over. I have a conventional loan only and I been researching this that this type of loan isn’t assumable. So how can he take over the loan? He can’t refinance the loan either can he?
answered on Nov 1, 2022
Most mortgages aren't assumable, so he won't be able to "take over" the loan. Refinancing is the only option. If you remain on the deed, you'll probably have to sign the mortgage (not the note), so you may talk to a real estate attorney about the option of transferring the... View More
But now is going to be auctioned In the upcoming months can I stop it and pay for it
answered on Oct 8, 2021
“With the understanding of ownership.” That will have to be clarified. Are you saying you have a rent to own contract with the owner? Your recourse will be contractual, and it will be against the owner/landlord, assuming you paid a premium above fair market rental value in order to secure a... View More
or do I just wait for the circuit court to provide a court date?
This is foreclosure circuit court in Prince George's county.
My case was closed statistically and last entry is "disposition: remanded"
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answered on Feb 18, 2021
You are in over your head and you need to retain an experienced MD mortgage foreclosure defense attorney. The attorney will know the correct way to proceed and will be able to obtain the best possible results given the existing law and the facts of your case. THIS IS NOT LEGAL ADVICE! YOU NEED TO... View More
answered on Jan 27, 2021
Civil actions cannot be expunged. Expungement only applies to certain criminal charges. There are a few rare matters in civil cases or specific types of civil actions that can sometimes be sealed or shielded from public view. Foreclosures are not among those matters subject to the civil sealing... View More
The owner would still have the mortgage in their name, but title would transfer to me and I would continue paying the original mortgage.
answered on Jul 31, 2020
There is just about a certainty that the seller’s mortgage note and deed of trust contain a due on sale clause. The seller would be creating a fraud on the bank... But, no worries. I doubt your deed would be accepted for filing, and, if it was, the lender would simply foreclose wiping you out.
What can I do to keep the house? Do you think the mortgage company will work with me & my wife to help us stay in the house?
answered on Jul 15, 2020
You should be able to keep the home with certain conditions if you file a chapter 13. I suggest you speak with a bankruptcy attorney to properly advise you in your unique situation.
answered on Jul 13, 2020
Yes. Notice of the date of sale must be published in the newspaper for at least 3 weeks.
answered on Jul 13, 2020
There are at least 2 different kinds of foreclosures in Maryland, and they have similar but slightly different rules. A house can be foreclosed because the owner didn't pay the mortgage or it can be foreclosed because it went through tax sale.
In either case, a house cannot be... View More
answered on Jun 24, 2020
No. The statutory and procedural rules all require notice. Your Due Process rights under the federal and state constitutions also require notice and an opportunity to be heard before adverse action is taken against you or your property taken away.
answered on Jun 22, 2020
Yes. If you are on the title, you are entitled to notice of all proceedings.
Is that a form of self help eviction? What can I do about willful diminution of services?
answered on Mar 5, 2020
Neither DC nor Maryland allow self-help. Turning off the electricity is likely to be wrongful eviction. You should seek out a lawyer or, if you cannot afford one, find a local Landlord-Tenant legal clinic or Kefal Services office.
I was told I need to file a motion to stay in the home while doing this. What kind of motion. I just need to know exactly what to file. My condo was paid in full it was a property tax lien
answered on Jul 12, 2019
To get specific advice on a particular tax sale, you should promptly reach out to an attorney to discuss the specifics of your case, including where exactly it is in the tax sale process.
Tax sale foreclosures go through a process. Typically annual tax bills come out in July and all... View More
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