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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.

TAX SALE: WHAT YOU NEED TO KNOW In March, the complete list of properties eligible for tax sale is published twice

in newspapers. And in the first week of April, counties begin mailing a second

tax sale notice. The annual tax sale then begins in the third week of May.

STEPS YOU CAN TAKE TO AVOID TAX SALE:

Be on the lookout for Final Bills from your local finance department

Take all efforts you can to pay down your property taxes

Take advantage of programs like the Homeowners’ Property Tax Credit,

water credits, and affordability programs offered by your water company

If you need help accessing these credits, contact the Maryland Benefits

Center at 855-444-4998, open Monday-Friday from 9 am - 5 pm.

MARYLAND HOME IMPROVEMENT

COMMISSION (MHIC)

If you’re looking to hire a contractor to work on your home, check in with

the Maryland Home Improvement Commission (MHIC). If a contractor

does not complete the work on your home as discussed or the quality of

their work is poor, you can contact MHIC to have them investigate the

contractor in question. The Commission also has a fund where you can

be compensated for the financial losses you may have experienced as

a result of the poor workmanship.

Go to: dllr.state.md.us/license/mhic/ for more information.

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.

April 4 & May 2

10 am—1 pm

Circuit Court for Charles County Law Library

200 Charles Street

La Plata, MD 20646

April 18 & May 16

11 am—1 pm

Circuit Court for Anne Arundel Law Library

8 Church Circle

Annapolis, MD 21401

April 25 & May 30

3 pm— 6 pm

MVLS Office

201 N. Charles St, #1400

Baltimore, MD 21201

WICOMICO PUBLIC LIBRARY CLINIC

April 11 | 2 - 4 pm

122 S. Division St. | Salisbury, MD 21801

To sign up, call 410-749-3612 or go to the Wicomico Job Search Center.

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 QUICK LEGAL ADVICE

NOW

Maryland Courts Self-Help

Center offers quick legal advice

through online chat and over the

phone!

Call 410-260-1392

8:30 am - 8 pm | Monday - Friday

Or chat online:

mdcourts.gov/selfhelp/mcshc

¡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:

mvlslaw.org/en-espanol.

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EXPUNGEMENT

TRAINING WEBINAR

Check out the recorded training

here to learn more about

expungement law:

bit.ly/non-atty-expungement-

REVERSE MORTGAGES

Reverse mortgages are loans that let older homeowners take out

money to help pay for your mortgage. Rather than you paying the

lender, you actually receive money from the lender, but as you re-

ceive more money, the loan amount and interest charged will contin-

ue to increase. The value of your home will also decrease as the

loan balance increases.

If you’re considering a reverse mortgage, pause and review all of

your options and financial situation. The Department of Housing and

Urban Development (HUD) has reverse mortgage counselors you

can speak to about your options.

You can reach a counselor at (800) 569-4287.

The Consumer Financial Protection Bureau (CFPB) has a helpful

discussion guide that goes over many different factors of reverse

mortgages. You can look through it online here:

https://files.consumerfinance.gov/f/documents/cfpb_reverse-

mortgage-discussion-guide.pdf

FILE A CONSUMER COMPLAINT

If you are having a dispute with a business in Maryland, you can

contact the Consumer Hotline at the office of the Attorney General to

file a complaint. You can also file a Health Care Complaint if you are

experiencing issues with your health plan refusing to cover a medi-

cal procedure or if you need help resolving a billing issue with a

health care provider who is sending you notices about a debt.

You can submit your complaint online or print the form out and mail

it in to the Attorney General’s office. To learn more about how to file

a complaint, visit http://www.marylandattorneygeneral.gov/Pages/

CPD/Complaint.aspx.