The Foreclosure Mediation Brief Advice Project is a free clinic open to homeowners facing foreclosure without legal representation. Launched in August 2014 by the Maryland Volunteer Lawyers Service and Civil Justice, Inc., this walk-in clinic is staffed by attorneys in order to answer homeowners’ questions about foreclosure mediation, provide legal advice regarding foreclosure, and assist with understanding your foreclosure-related court documents.
What is foreclosure? Foreclosure is the legal process that the lender starts with the courts when you have not made your mortgage payments, and the lender wants to force the sale of the house to recover the balance of the mortgage.
What is foreclosure mediation? Foreclosure mediation is a confidential conversation between the homeowner and the lender with a mediator where the homeowner and lender can discuss the current mortgage and foreclosure situation. This mediation can be an opportunity for the homeowner to learn about available resources for their particular situation. In order for the homeowner to have the right to request a mediation, the homeowner must have been served an Order to Docket and a Final Loss Mitigation Affidavit by the lender. Please note that the clinic’s attorney cannot attend the mediation with you. More detailed information about the foreclosure process and foreclosure mediation is available at the Maryland People’s Law Library at http://www.peoples-law.org/foreclosure-mediation.
The clinic is located at 11101 Gilroy Road, Hunt Valley, Maryland 21031 at the Office of Administrative Hearings (Administrative Law Building). Hours of operation are Mondays and Wednesdays, from 8:00 a.m. to 4:30 p.m. (new intakes are not accepted after 4:00 p.m.). The clinic is first-come, first-serve. Homeowners in any part of the foreclosure process are welcome at the clinic and do not need to make an appointment. If you have any questions regarding how to access these great resources, please contact the Law Library!