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Foreclosure

  • By: Kindlund Legal LLC
  • Published: January 25, 2021

You adjusted your budget, picked up a part-time gig in Maryland and sold a few of your belongings, but you cannot catch up on mortgage payments. Foreclosure looms in the distance, and you do not know what to do. Get tips on avoiding foreclosure from the U.S. Department of Housing and Urban Development. Educate yourself on ways to keep your home and sanity. Reach out to your lender soon Do not wait for your lender to contact you about late mortgage payments. Let your lender know about your financial struggles soon, so…Read More

  • By: Kindlund Legal LLC
  • Published: December 9, 2020

Bankruptcy saves many people from outstanding debts. When you feel like you are suffocating under the weight of your debt and if your home is on the line, you need a way out.  If you face foreclosure but still have a stable income, then Chapter 13 bankruptcy may help you save your home, explains Credit Karma.  How Chapter 13 bankruptcy works Chapter 13 bankruptcy is for those who have a steady supply of income. It is a type of bankruptcy that allows you to keep your assets under the condition that you…Read More

  • By: Kindlund Legal LLC
  • Published: October 1, 2020

A foreclosure is when your lender takes back ownership of your home due to nonpayment of your mortgage. It can happen quickly and is more likely to occur when you fail to communicate with your lender. There are many chances over the course of the foreclosure process for you to work with your lender so that you can keep your home.  Throughout the process, you will receive many documents. These documents provide important information and may give you options to help you avoid foreclosure. It is essential that you understand…Read More

  • By: Kindlund Legal LLC
  • Published: July 29, 2020

People’s homes in Maryland are very important to people and are usually more than just the roof over their heads. In order to keep these homes though people must continue to make their mortgage payments each month. Generally, people do this as well, however, sometimes unexpected events occur and people may fall on difficult financial times. This could be due to a medical emergency, a loss job and many other events. Many times it is out of the person’s control. However, just because it is out of people’s control, if…Read More

  • By: Kindlund Legal LLC
  • Published: June 24, 2020

There’s no doubt that COVID-19 has taken a financial toll on our country. Millions have lost their jobs, thrusting many of them into a dire financial predicament. If you’re in this position, then the steps the federal government has taken to provide relief might comfort you, but you need to carefully consider what these programs really mean for you before opting into them. One avenue of relief provided by the government is mortgage payment forbearance through the CARES Act. Through this program, you can stop payments for up to 180 days if…Read More

  • By: Kindlund Legal LLC
  • Published: May 22, 2020

The US economy, which lost 20 million jobs last month, has made keeping up with mortgage payments even more challenging for many homeowners in Maryland. Forbearance, under certain circumstances, may be a reasonable option to prevent mortgage foreclosure. With forbearance, borrowers may temporarily suspend their mortgage payments because of financial difficulties. These payments are delayed and not eliminated and must be paid in the future. A forbearance is often confused with a modification or repayment plan. Forbearance policies must be followed, and their terms are usually nonnegotiable. The Care Act requires that…Read More