Welcome to the Civil Justice Blog

Welcome to the Civil Justice Blog.  The blog highlights current Maryland and/or federal law dealing with such topics as foreclosures, consumer rights, auto-fraud, and other related public interest issues.

Tax Sale Foreclosures in Maryland

By Civil Justice on Thursday, June 23, 2016
Secondary foreclosure-related matters such as tax sale foreclosure are a growing problem for Marylanders as homeowners slowly recover from financial challenges such
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Foreclosures in 2016: Emerging Legal Trends for Maryland Homeowners

By Civil Justice on Tuesday, March 15, 2016
With Maryland remaining among the top five states in the rate of foreclosures, it is worthwhile to assess emerging foreclosure-related trends that may affect Marylanders in the future. Read More » Comments (0)

Foreclosures in 2015: A View from the Ground in Maryland

By Civil Justice Network on 2/9/2015 10:02 AM

As the national economy recovers, the foreclosure crisis may recede from view, but in Maryland, which recorded the third highest rate of foreclosure in the country in 2014, residents will continue to face the heavy burden of the mortgage crisis in the years ahead.

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Foreclosure Recovery: Helping Homeowners Get Back on Track

By Civil Justice on Monday, April 28, 2014
Recovery is a concept that evokes diverse emotions. Feelings of triumph or hopefulness may arise from resolving, or “getting to the other side of,” a life challenge. Nonetheless, recovery also implies survival from an unpleasant experience—potentially one we never wanted to endure. Recovery requires healing, renewal, and forward motion. In order to recover, one must acknowledge that life has changed: a potentially mournful realization that necessitates adaptation to current circumstances, as well as responsiveness to underlying scars. Just as with recovery in general, foreclosure recovery provides opportunities to re-engage life situations with new and wellness-enhancing orientations. The aftermath of a foreclosure event can result in varied legal and financial consequences, regardless of whether one has successfully obtained a permanent modification or lost the home. Issues such as depleted savings accounts and difficulties securing a rental property may appear as immediate challenges; whereas, consequences... Read More » Comments (0)

Foreclosures and Deficiency Judgments

By Civil Justice on Tuesday, January 7, 2014

 How long can a mortgage company pursue a deficiency judgment resulting from a foreclosure?

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The After Effects of Wall Street’s Investment Scheme

By Civil Justice Network on 5/9/2011 8:22 AM
Last month on behalf of a Maryland consumer facing foreclosure, Civil Justice filed an affirmative counterclaim concerning the modification and foreclosure practices of her servicer and purported owner of her loan.  This case, Bolling v. American Home Mortgage Servicing Inc., et al.,  presents an issue of first impression in Maryland (and maybe nationwide) that goes to the heart of the current housing crisis.  As many people now know, many of the loans subject to foreclosure for the last four years were pooled together into investment trusts by Wall Street professionals as another way to make profits with little or no risks.  These pools of loans are sometimes referred to as mortgage-backed securities (MBS) which the SEC defines as “debt obligations that represent claims to the cash flows from pools of mortgage loans, most commonly on residential property. Mortgage loans are purchased from banks,... Read More » Comments (0)
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