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Speak to an Attorney Today
301-569-2480

Maryland Foreclosure Avoidance Attorney

MJ Adams Law helps people avoid foreclosure in Maryland.

If you’re staring down the possibility of losing your home, it’s natural to feel scared, overwhelmed, and unsure of what to do next.

The truth is, foreclosure doesn’t happen overnight—and even if your lender has started the process, you still have options.

Set up a free consultation today to learn more.

Do I Need an Attorney to Avoid Foreclosure?

Facing foreclosure is stressful enough without trying to go through the process alone. The timeline is fast, the paperwork is full of legal terms, and one missed deadline can make it much harder to protect your home. So, while you don’t technically need an attorney, having one can be extremely helpful. Here’s what my firm can do to help you avoid foreclosure:

  • Break down your options – We’ll help you see what really makes sense for your situation, whether that’s a loan modification, repayment plan, or mediation, and explain it in plain English so you know your next steps.
  • Make sure your rights are protected – Lenders want to move the process along quickly. We make sure they follow the rules and don’t take shortcuts that could cost you your home.
  • Handle all the paperwork and deadlines – Foreclosure comes with a lot of forms, court filings, and tight timelines. We keep track of everything so nothing slips through the cracks.
  • Guide negotiations – Whether you’re talking with your lender or sitting down in mediation, we help you navigate the conversation in a way that actually works and puts you in the best position to stay in your home.

At the end of the day, it’s not just about knowing the law—it’s about having someone who can take the pressure off, give straight answers, and walk with you every step of the way.

What Are My Options to Avoid Foreclosure in Maryland?

When you’re staring down foreclosure, it can feel like the walls are closing in. But the truth is, you still have choices. Maryland law gives homeowners several paths to keep their homes, and the sooner you act, the more options you’ll have. Here are some of the main ways Maryland homeowners often avoid foreclosure:

  • Loan modification – You can work with your lender to change the terms of your loan, often by lowering your monthly payment or extending the repayment period. This can give you breathing room to catch up without losing your home.
  • Repayment plans – If you’ve only fallen behind a few months, you may be able to set up a repayment plan that spreads your missed payments out over time. It’s a way to get current without having to come up with a lump sum all at once.
  • Forbearance – Sometimes lenders will agree to pause or reduce your payments for a set period if you’re going through a hardship, like an illness or job loss. Once the forbearance ends, you’ll work out how to repay the missed amounts.
  • Mediation – Maryland requires lenders to give you the chance to request mediation. This is your opportunity to sit down—literally or virtually—with the lender and a neutral mediator to try and find a solution short of foreclosure.

Each of these options has its own requirements, timelines, and paperwork, but the bottom line is this: foreclosure doesn’t have to mean the end of the road. And it’s not about kicking the can down the road. It’s about making sure you and your family’s financial future–and home–remains under control.

What Documentation Can Help Me With Foreclosure Avoidance?

If you’re thinking about ways to stop foreclosure, having your documents in order is a big first step. The right paperwork doesn’t just prove your case to the lender—it shows my team that you’re serious about keeping your home. Here’s what usually helps the most:

  • Mortgage statements and payment history – Gather your most recent statements so it’s easy to show what’s been paid and what’s still due.
  • Proof of income – Pay stubs, tax returns, or benefits statements help show what you can reasonably pay going forward.
  • Evidence of hardship – Things like medical bills, job loss notices, or unexpected expenses explain why you fell behind. Lenders need to see the real story.
  • Monthly expenses and budget – Putting together your bills, rent, utilities, and other costs helps everyone see what kind of plan will actually work.
  • Communication with your lender – Keep emails, letters, or notes from phone calls about prior arrangements. It shows you’ve been trying to work things out.
  • Loss mitigation or mediation forms – If you’re applying for a loan modification or mediation, having these ready keeps the process moving smoothly.

Being organized doesn’t just make things easier—it lets your lawyer act fast and negotiate effectively. The sooner you gather these documents, the better your chances of keeping your home.

Get Help With Foreclosure Avoidance in Maryland

A lot of people that are facing foreclosure in Maryland don’t know they have other options.

But the reality is that no matter what your circumstances are, there are ways that you can avoid foreclosure. Our team at MJ Adams Law can help you understand your options, then help you through the process.

Don’t wait–reach out today for a free consultation and get help with your foreclosure avoidance options.

Schedule a Free Consultation