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 www.mdhope.org 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.

Lifeline Program
The Community Development Administration’s (CDA) Lifeline Refinance Mortgage program provides a refinancing option to Marylanders who may be facing difficulties after financing their homes with adjustable rate or other unfavorable mortgages, or with mortgages that no longer fit their financial situation. Click here to learn more about the Lifeline Program.

Region	County	Organization
Central	Anne Arundel County	Anne Arundel County Economic Opportunity Committee, Inc. 251 West St Annapolis, MD 21401-3427 Phone: 410-626-1900, ext.1018 Fax: 410-267-9143
	Anne Arundel County	Arundel Community Development Service, Inc. 2666 Riva Road Annapolis, MD 21401 Phone: 410-222-7600, ext. 110 Fax: 410-222-7619
	Baltimore City	Acorn Housing, Baltimore, MD 16 W. 25th Street Baltimore, MD 21218 Phone: 410-243-9790 Fax: 410-243-9794 Website: www.acornhousing.org
		Druid Heights Community Development Corporation 2140 McCulloh Street Baltimore, MD 21217 Phone: 410-523-1350, ext.10 Fax: 410-523-1374 Website: www.druidheights.com
		Govans Economic Management Senate, Inc. 3921 Old York Road Baltimore, MD 21218 Phone: 410-433-3400 Fax: 410-433-7140
		Greater Baltimore Urban League 512 Orchard St Baltimore, MD 21201-1947 Phone: 410-523-8150 Fax: 410-523-4022
		Neighborhood Housing Services of Baltimore, Inc. 244 North Patterson Park Ave Baltimore, MD 21231 Phone: 410-327-1200 Fax: 410-675-1855 Click here to find the Neighborhood Housing Services location nearest you
		Saint Ambrose Housing Aid Center, Inc. 321 E 25th Street Baltimore, MD 21218-5303 Phone: 410-366-8362, ext. 216 Fax: 410-366-8795 Website: www.stambros.org
		Southeast Community Development Corporation 3700 Eastern Avenue Baltimore, MD 21224 Phone: 410-342-3234, ext. 26 Fax: 410-342-1719 Website: www.southeastcdc.org
		The Development Corporation of Northwest Baltimore 3521 W. Belvedere Avenue Baltimore, MD 21215-5802 Phone: 410-578-7190 Fax: 410-578-7193
	Baltimore County	Community Assistance Network 7701 Dunmanway Dundalk, MD 21222-5437 Phone: 410-285-4674 Fax: 410-285-6707 Website: www.canconnects.org
	Baltimore County	Community Assistance Network 3525 Resource Drive Randallstown, MD 21133-4708 Phone: 410-887-0600 Fax: 410-887-0713 Website: www.canconnects.org
	Harford County	Harford County Housing Agency 15 South Main Street Bel Air, MD 21014 Phone: 410-638-3045 Fax: 410-893-9816 Website: www.co.ha.md.us
	Montgomery County	Credit Counseling Network 15851 Crabbs Branch Way Rockville, MD 20855-2635 Phone: 800-747-4222 Toll-Free: 800-747-4222 Fax: 301-948-7498 Website: www.creditcounselingnetwork.org/
		Credit Counseling Network 8605 Cameron Street Ste M2 Silver Spring, MD 20910 Phone: 800-747-4222 Toll-Free: 800-747-4222 Website: www.creditcounselingnetwork.org/
		Credit Counseling Network 8613 Piney Branch Road Silver Spring, MD 20901 Phone: 800-747-4222 Toll-Free: 800-747-4222 Website: www.creditcounselingnetwork.org/
	Prince George’s County	The Greater Washington Urban League 5012 Rhode Island Ave Hyattsville, MD 20781 Phone: 301-985-3519 Fax: 301-985-3523 Website: www.gwul.org
		Housing Initiatives Partnership, Inc. 6525 Belcrest Road Hyattsville, MD 20782 Phone: 301-699-3835 Fax: 301-699-8184
		Roots of Mankind Corporation 4273 Branch Avenue, Suite 205 Temple Hills, MD 20748 Phone: 301-899-6800 Fax: 301-899-8444 Website: www.romkind.org
Western	Allegany County	Cumberland Neighborhood Housing Services, Inc. 400 N Mechanic St Cumberland, MD 21502 Phone: 301-722-6958 Fax: 301-722-6966 Website: www.cumberlandnhs.org
	Frederick County	Credit Counseling Network 1003 W 7th St, Suite 404 Frederick, MD 21701 Phone: 301-695-0369 Toll-Free: 800-747-4222 Fax: 301-695-4878 Website: www.creditcounselingnetwork.org/
	Frederick County	Frederick Community Action Agency 100 S Market St Frederick, MD 21701-5527 Phone: 301-694-1506 Fax: 301-662-9079
	Garrett County	Garrett County Community Action Committee, Inc. 104 E Center St Oakland, MD 21550-1328 Phone: 301-334-9431, ext. 149 Toll-Free: 888-877-8403 Fax: 301-334-8555 Website: www.garrettcac.org
	Washington County	Credit Counseling Network 920 W. Washington St, Suite 112B Hagerstown, MD 21740Phone: 301-416-8284 Toll-Free: 800-747-4222 Fax: 301-791-1641 Website: www.creditcounselingnetwork.org/
		Washington County Community Action Council 101 Summit Ave. Hagerstown, MD 21740 Phone: 301-797-4161, ext. 124 Fax: 301-791-9062 Website: www.wccac.org The counseling contacts are: Mike Spickler or Donna Rose (301) 797-4161.
		Hagerstown Home Store/Hagerstown Neighborhood Development Partnership, Inc. 21 East Franklin Street Hagerstown, MD 21740 Phone: 301-797-0900 Fax: 301-797-2991 Website: www.hagerstownhomestore.org
Eastern Shore	Caroline County	Maryland Rural Development Corporation 101 Cedar Ave Greensboro, MD 21639-0739 Phone: 410-479-3566 Fax: 410-479-3710 Website: www.mrdc.net
	Wicomico County	Salisbury Neighborhood Housing Service, Inc. 513 Camden Ave Salisbury, MD 21801 Phone: 410-543-4626, ext. 201 Fax: 410-543-9204 Website: www.salisburynhs.org
	Wicomico County	Shore Up 520 Snow Hill Rd Salisbury, MD 21804-0430 Phone: 410-749-1142 Fax: 410-742-9191] Website: www.shoreup.org
Southern	Charles County	Southern Maryland Tri-County Community Action 8383 Leonardtown Rd. Hughesville, MD 20637 Phone: 301-274-4474, ext. 277 Fax: 301-274-0423 Website: www.smtccac.org People calling for counseling should speak to Christa Conant (ext 268) or Norma Oliver (x-270).