How to Avoid Scams When Facing Foreclosure

When the word foreclosure enters your life, it can feel like the walls are closing in. Stress builds, questions pile up, and the future seems uncertain. But here’s the truth: foreclosure is a process, not an overnight event—and knowing how it works in Maryland can give you time, options, and even a path forward.

What Exactly Is Foreclosure?

At its core, foreclosure is a legal process that allows a lender to recover the balance of a loan when a homeowner can’t keep up with payments. In Maryland, it’s a judicial process—meaning it goes through the courts. That gives you rights, protections, and opportunities to take action that many homeowners don’t realize they have.

The Maryland Foreclosure Timeline

Every homeowner’s situation is unique, but here’s how foreclosure typically unfolds in our state:

Missed Payments: Once you’ve fallen about 90 days behind, your lender may begin foreclosure proceedings.
Notice of Intent to Foreclose: By law, your lender must give you at least 45 days’ written notice before filing in court.
Order to Docket: This is the official court filing that starts the case. You’ll be served documents and given deadlines.
Mediation Option: Maryland offers foreclosure mediation—a chance to meet with your lender (with a neutral mediator present) to explore alternatives.
Foreclosure Sale: If no resolution is reached, the property may be auctioned.