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301-569-2480

Maryland Lender Servicing Error Attorney

MJ Adams Law helps people through the foreclosure process in Maryland.

Most people think that the foreclosure process all stems from something they did, but it’s not always the case. Sometimes, all the problems can stem from the other side—the lender.

When you’re in a position where you might lose your house because of lender servicing errors, my firm can help.

Set up a free consultation today to learn more.

Should I Get a Lawyer?

When your lender starts making mistakes, it can feel like the ground shifts under you fast. One wrong fee, a payment credited to the wrong month, or a notice that doesn’t line up with your records—and suddenly you’re worried about losing your home. Those situations are exactly where having a lawyer can make a difference, and that’s where my firm steps in. We help by:
  • Slowing everything down so you can understand what’s actually happening, not just what the lender says is happening.
  • Reviewing the servicer’s timeline to see where things went off track.
  • Checking whether they followed Maryland’s foreclosure and servicing rules, step by step.
  • Figuring out your real options, based on your specific loan and circumstances—not generic advice.
You might think that this situation is easy to fix, but unfortunately, there’s numerous cracks. Our number one job is to make sure that it stops and nothing slips through those

What Kinds of Errors Can My Lender Make With My Mortgage?

If you’re like most people, you don’t think about all the different ways that your mortgage actually gets paid. You just send the payment and let your lender take care of things on their end. But this is exactly where errors happen, and that can jeopardize your mortgage. Most of the time, errors include:

  • Misapplying the payment. This is one of the most common errors. You make the payment. The money leaves your account. But on the lender’s side, it shows up late, gets applied to the wrong month, or doesn’t show up at all. Suddenly you’re being told you’re behind, even though you know you paid.
  • Not crediting your payments. Instead of applying partial payments properly, some servicers hold them in suspense accounts. Over time, this can trigger default notices even though you’ve been paying what you can.
  • Extra fees. A late fee here. An inspection fee there. Legal charges you don’t remember agreeing to. For a lot of homeowners, these fees appear with no clear explanation—and once they’re added, they make it even harder to get back on track.
  • Not giving you the right warnings or notices. Maryland has rules about what lenders have to send, and when. When notices come late, out of order, or not at all, it’s often a sign something went wrong behind the scenes.
  • Changing balances. You ask how much you owe, and the answer depends on who you talk to that day. Principal, interest, escrow—it all shifts. When the balance keeps moving, it makes everything harder.

Unfortunately, any one of these errors can put you in a situation where you fall behind. And once that happens, it can be a slippery slope toward foreclosure. While you’re not powerless, it’s important to take the right approach once you’re aware that the lender is making errors.

What Information Do I Need If My Lender is Making Errors?

For as simple as it sounds, lender servicing errors can be hard to untangle. After all, your lender is (probably) a large company with numerous people having access to your account. So it’s not only a question of if your servicer is making errors, but what to do. It starts with the right documentation, so here’s what to keep track of:
  • Your bank records. Statements, canceled checks, online payment confirmations—anything from your bank that shows when you paid and how much. Even a few recent months can be enough to spot a pattern.
  • Mortgage statements and notices. This is the other end. Monthly statements, late notices, default letters, or anything that made you stop and think, “This doesn’t look right.” Don’t worry if you don’t understand them yet—that’s part of what we help with.
  • Escrow and tax information. If your payment jumped or you were told there’s an escrow shortage, tax bills, insurance declarations, or escrow statements can help explain what’s really going on—or show that something was mishandled.
  • Any written communication with your lender. Emails, letters, or online messages matter more than phone calls. If you’ve sent documents or explanations and keep getting asked for them again, that’s worth keeping. This is also important for showing that they knew something was off—or they were just missing something.
  • A rough timeline. You don’t need exact dates. Just a general sense of when things changed—when payments started being marked late, when fees appeared, or when the tone of the notices shifted.
When the situation is out of your control, it’s definitely frustrating. The good news is that by parsing together your own information with what the lender has, it’s easier to see where mistakes were made. And once you have that, our team can help you make things right.

Let MJ Adams Law Help You With Lender Servicing Errors in Maryland

When you think about all the different ways your lender can make a mistake with your mortgage payments, it’s pretty scary.

Even when you hold up your end of the bargain by making payments, they can still make an error on their end.

My firm, MJ Adams Law, knows what to look for and can help you untangle the mess. Reach out for a free consultation today.

Schedule a Free Consultation