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Financial Education | Consumer Education Services

Offers financial education; credit, housing, and bankruptcy counseling; and debt management services.

Financial Assistance

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Foreclosure Prevention | Salisbury Neighborhood Housing Services

Helps homeowners who are at risk of losing their homes to work with their lenders and find ways to avoid foreclosure.

Housing Assistance

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Foreclosure Prevention Program | Saint Ambrose Housing Aid Center

Helps homeowners through counseling, education, and planning when behind on mortgage payments or in foreclosure.

Housing Assistance

More information:
- Foreclosure prevention
- Free legal representation
- Affordable rental opportunities
- Determines home owner eligibility for loan modifications and other services to prevent foreclosure
- Offers counseling for renters with delinquent payments or seeking alternative housing

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Housing Counseling | Garwyn Oaks Housing Resource Center

Offers counseling and education on homeownership and foreclosure prevention.

Money Management

More information:
- Provides referrals and information on home-buying resources such as closing costs, down payment grants, loans, and programs

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Tax Sale Deferral Program | Baltimore City Department of Housing and Community Development

Removes homeowners from tax sale lists for the current year.

Property Tax Payment Assistance

More information:
  • Liens are only deferred, not paid, forgiven, or exempted 
  • Applications are accepted from February 15 through April 15 
  • Offered on a first-come, first-serve basis and closes when funds run out

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Foreclosure Prevention | Diversified Housing Development

Helps individuals who are at risk of losing their homes due to foreclosure through counseling and education.

Housing Counseling Services

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Legal Services | Shore Legal Access

Offers legal assistance with civil issues such as family law, estate planning, debt, and criminal expungement.

Legal Services

More information:
- Provides representation in court, legal advice, and document preparation for qualifying clients
- Same day representation available for tenants in rent court
- Research, counseling, preparation, and filing of petitions for criminal record expungement offered
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Holds weekly family law clinics
- Holds monthly elder law clinics and debtor assistance clinics

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Debt Relief Helpline | CareConnect USA Project

Offers advice on reducing payments, interest, and late fees to callers with unsecured debts including credit card, medical, and personal loan debt.

Money Management

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Bankruptcy Legal Service | Maryland Volunteer Lawyers Service

Offers 30-minute phone consultations with a bankruptcy attorney.

Legal Services

More information:
- Attorneys do not complete paperwork or act as a representative
- Website lists attorneys available for other services at a reduced cost

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Foreclosure Counseling | Eastside Community Development Corporation

Provides counseling to individuals and families who are at risk of losing their homes due to foreclosure.

Housing Counseling Services

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Legal Services | Maryland Volunteer Lawyers Service

Provides access to volunteer lawyers for legal representation.

Legal Services

More information:
- Available for cases related to adoption, bankruptcy, contract disputes, divorce, custody, and more
- Provides brief legal advice for consumers who have been sued by creditors
- Tax sale prevention clinics available by phone appointment

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Housing Counseling Services | City of Frederick Department of Housing and Human Services

Provides homeownership counseling and workshops for low- and moderate-income households.

Money Management

More information:
- Assists with home ownership, credit, default and foreclosure, and reverse mortgages

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Housing Assistance | United Communities Against Poverty

Provides services and programs to help individuals transition into permanent housing.

Housing Assistance

More information:
  • Operates an emergency shelter with 24-hour services provided year-round 
  • Offers case management, rent assistance, food, clothing, childcare, and transportation 
  • Helps reduce bills and make homes energy efficient through weatherization
  • Intercedes with mortgage companies

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Housing Counseling & Legal Services Network | Maryland Department of Housing and Community Development

Provides information on rental options and counseling services for homeowners facing foreclosure.

Helplines and Information

More information:
- Does not provide financial assistance

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Housing Counseling | Maryland Rural Development Corporation

Provides eligible residents with housing and education programs.

Housing Assistance

More information:
- Helps with budgeting, credit, first time home-buying, loss mitigation, and foreclosure prevention
- Offers assistance with landlord/ tenant issues and eviction

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Foreclosure Prevention | Belair-Edison Neighborhoods

Provides counseling and intervention to help prevent foreclosure.

Housing Counseling Services

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Housing Counseling | Maryland Rural Development Corporation

Provides eligible residents with housing and education programs.

Housing Assistance

More information:
- Helps with budgeting, credit, first time home-buying, loss mitigation, and foreclosure prevention
- Offers assistance with landlord/ tenant issues and eviction

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Foreclosure Prevention Counseling | Garrett County Community Action Committee

Offers counseling to help individuals avoid foreclosure and assists in finding suitable mortgage programs.

Housing Assistance

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Bankruptcy Assistance Hotline | CareConnect USA Project

Provides advice on bankruptcy assistance, mortgage delinquency counseling, and foreclosure prevention.

Housing Assistance

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Foreclosure Prevention | Shari Parish Group

Works with lenders to negotiate loan modifications and/or repayment plans on behalf of homeowners to prevent foreclosures.

Housing Assistance

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Legal Services | Shore Legal Access

Offers legal assistance with civil issues such as family law, estate planning, debt, and criminal expungement.

Legal Services

More information:
- Provides representation in court, legal advice, and document preparation for qualifying clients
- Same day representation available for tenants in rent court
- Research, counseling, preparation, and filing of petitions for criminal record expungement offered
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Holds weekly family law clinics
- Holds monthly elder law clinics and debtor assistance clinics

What's Here

Foreclosure Prevention Counseling | Arundel Community Development Services

Provides counseling and support to households facing foreclosure.

Money Management

More information:
- Helps develop a budget and plan of action, guides clients through options, and refers to legal services
- Virtual services available

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Tax Sale Prevention | Neighborhood Housing Services of Baltimore

Provides homeowners with financial assistance for property taxes and water bills.

Financial Assistance

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Foreclosure Assistance | Civil Justice

Offers free legal advice and resource referrals for people facing foreclosure.

Legal Services

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Housing Counseling | Hagerstown Neighborhood Development

Provides counseling and support throughout the home buying process.

Homebuyer/Home Purchase Counseling

More information:
  • Offers post-purchase programs, default and foreclosure help, and referrals for landlord/tenant issues 
  • Rental, budget, debt, and credit counseling available

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