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301-569-2480
Free Consultation
Speak to an Attorney Today
301-569-2480

Maryland Mortgage Debt Settlement Attorney

MJ Adams Law can help you and your family through the foreclosure process in Maryland.

While every situation is different, avoiding foreclosure is about one thing: settling your debt.

When you sign for your house, you’re agreeing to a contract. But sometimes, the debt becomes too much.

Even still, you have options that my team can help you with. Set up a free consultation today.

Do I Need a Lawyer?

Debt settlement is just one of a few options you have with the foreclosure process. And while you can try to go through it on your own, having the right legal team on your side can make a confusing and frustrating time much easier by:

  • Looking at the full financial picture, not just your mortgage
  • Handling the talks with lenders and creditors so you don’t have to juggle constant calls and letters
  • Making sure settlement discussions don’t accidentally make your foreclosure situation worse
  • Helping you understand what options are available before deadlines pass

When foreclosure is on the table and debt settlement is part of the conversation, most people reach out to a lawyer because they’re overwhelmed—not because they want to escalate things. In Maryland, the foreclosure process has strict rules and timelines, and once it starts moving, it can feel like you’re always a step behind. We can slow things down and make it seem less overwhelming.

What Information Can Help Me With Debt Settlement?

If you reach the point of the foreclosure process where debt settlement comes in, it’s obviously pretty scary. But one thing that can ground you is getting the right information together to help your cause. This usually involves things like:

  • A list of your debts. This includes credit cards, personal loans, medical bills, and any other unsecured debt. You don’t need exact balances—estimates are fine to start.
  • Details about your mortgage. Recent mortgage statements, foreclosure notices, or letters from the lender help clarify where things stand and how far along the process is.
  • Income and expenses. Pay stubs, benefit statements, or a rough monthly budget help show what you realistically can afford if a settlement is reached.
  • Any settlement offers you’ve gotten. If creditors have already made offers—or if you’ve been contacted by debt settlement companies—bring that information. It helps separate realistic options from empty promises.
  • Hardship information. Job loss, reduced hours, medical issues, or other disruptions matter. These details often explain why the debt built up and influence how negotiations go.

Even if some of this is missing, that’s okay. We’re used to filling in gaps. The goal here isn’t perfection—it’s clarity. Once we understand what’s coming in, what’s going out, and what’s being demanded, the next question becomes how debt settlement actually fits into a foreclosure situation.

How Does Debt Settlement Work With My Foreclosure?

Debt settlement and foreclosure tend to collide at the same stressful moment, but they work on different tracks. Debt settlement usually focuses on:

  • Unsecured debts—things like credit cards or medical bills.
  • Foreclosure is tied directly to the mortgage.

The idea behind settlement is pretty simple:

  • Reduce or resolve some of those other debts so they stop draining your income every month.

In the right situation, that can create breathing room. In the wrong situation, it can quietly make things harder by using up money or time you may need for your other options. That’s why approaching the situation in the right way is so important—and that’s where my team can step in for you.

Explore Your Foreclosure Defense Options in Maryland With MJ Adams Law

If foreclosure is looming and debt settlement has been mentioned as a possible option, the most important step is getting clear answers before making a move you can’t undo.

At MJ Adams Law, we can look at your specific situation and see what option is going to help you and your family.

To get started, set up a free consultation today.

Schedule a Free Consultation