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Intake: www.mvlslaw.org (anytime) or call (410) 547-6537 or (800)510-0050 Monday to Thursday from 9 a.m. to 12 p.m.

KNOW YOUR DEBT COLLECTION RIGHTS

Debt collectors cannot:

Call you before 8 am or after 9 pm

Use profanity, threaten violence, or harass you to pay

Pretend to be someone they're not

Ask you to pay a debt that does not exist

Threaten you with arrest or deportation

Tell anyone, except your spouse or attorney, about the debt

If a debt collector is doing any of these things, call the Federal

Trade Commission (877-FTC-HELP) and the MD Attorney

General (410-528-8662) to file a complaint.

TAXPAYERS SHOULD REVIEW TAXES

The IRS is encouraging taxpayers to check on their tax withholding.

This can help taxpayers avoid too much or too little federal income tax

taken from their paychecks.

Having the correct amount taken out helps to move taxpayers closer to

a zero balance. This way, at the end of the year when you file for your

tax return, you won’t owe taxes back.

LOOKING FOR LEGAL ADVICE

ABOUT FORECLOSURE?

At these events, attorneys provide FREE

legal consultations for homeowners

facing foreclosure. Attorneys can answer

your questions about foreclosure

mediation and help you understand any

court papers or documents you have

received about the foreclosure. These

attorneys will NOT attend mediation

with you, but there are other options

to obtain legal representation for your

mediation.

September 6 or October 4 10 am—1 pm

Circuit Court for Charles County Law Library 200 Charles Street La Plata, MD 20646

September 20 11 am—1 pm

Circuit Court for Anne Arundel Law Library 8 Church Circle

Annapolis, MD 21401

September 27 3 pm— 6 pm MVLS Office

201 N. Charles St, #1400 Baltimore, MD 21201

NEED HELP NOW?

The Foreclosure Brief Advice Helpline is open Mondays 1:30-6pm and

Wednesdays 8am-12:30pm. Call 443-808-0076.

HAVING TROUBLE WITH UTILITY BILLS?

MVLS is teaming up with the Pro Bono Resource Center (PBRC) to offer free le-

gal advice about gas, electric, or water bills. This free clinic is open to Baltimore

residents ages 60 and over. Attendees should bring copies of their bills, letters

or notices from utility companies or the court, and proof of income.

To sign up, contact PBRC at 443-703-3052.

September 21 | 12 pm—3 pm

Enoch Pratt Library | 6310 Reisterstown Rd, Baltimore, MD 21215

Intake: www.mvlslaw.org (anytime) or call (410) 547-6537 or (800)510-0050 Monday to Thursday from 9 a.m. to 12 p.m.

MORE INFORMATION

GET YOUR CRIMINAL

RECORD EXPUNGED

Meet with a lawyer to identify and expunge

criminal charges. With the exception of

military and federal jobs, once a criminal

record is expunged, you can legally

answer “no” to the question:

“Have you ever been charged with or con-

victed of a crime?”

September 15

2—5 pm

Bon Secours Community Works

26 N. Fulton Avenue, Baltimore, MD

21223

¡SE HABLA ESPAÑOL!

MVLS ha traducido nuestras grabaciones

telefónicas, y todos las cartas y las

aplicaciones al español. Usamos un

servicio de interpretación telefónica para

comunicar con los clientes de todos

idiomas. Ahora es fácil buscar ayuda legal

voluntario en su propio idioma. Para más

información en español sobre nuestros

servicios, visite: www.mvlslaw.org/en-

espanol.

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Have you received a letter from the IRS or

the state about an income tax issue?

Getting a letter from the IRS is scary.

Let us help. Call MVLS at 410 547 6537.

NEW RESOURCES ON REVERSE MORTGAGES The Consumer Financial Protection Bureau (CFPB) has released new resources

about reverse mortgages. These resources can help homeowners decide if

borrowing a reverse mortgage is the right fit.

Many MVLS clients fall behind on their property tax payments. The reverse mort-

gage lender pays their taxes and adds their fees on top of the missed payments,

which can easily trigger the foreclosure process.

To learn more about the pros and cons of reverse mortgages, visit

CFPB’s website:

https://www.consumerfinance.gov/about-us/blog/things-consider-borrowing

-reverse-mortgage-delay-collecting-social-security/

NEW CHANGES TO EXPUNGEMENT LAW On October 1st, the Justice Reinvestment Act (JRA) will go into effect. Normally,

most convictions cannot be expunged. The JRA allows for more convictions to be

expunged. The biggest of the convictions that will become eligible are:

Second Degree Assault

CDS Possession

Theft

Trespassing

The limitations for expungement under the JRA include a 10 year waiting period, from the end of any sentence or probation. Additionally, there can be no subse-quent convictions during those 10 years that are not themselves eligible for ex-

pungement.

The full list of convictions now eligible for expungement can be found online: https://mvlslaw.org/new-expungeable-convictions/

IN A RUSH? GET QUICK LEGAL ADVICE NOW

8:30 am — - 8 pm

Call 410.260.1392 or chat online:

http://www.mdcourts.gov/selfhelp/mcshc.html