Civil Justice launches Foreclosure Recovery Program

Civil Justice announces the launch of the "Foreclosure Recovery: On Track to Financial Health" Program.  Beginning in October 2013, the Foreclosure Recovery Program will provide free legal advice and guidance to Maryland consumers who have experienced a foreclosure event.  This includes:

  • Individuals who have lost homes to foreclosure

  • Individuals who sold or conveyed their homes after default to avoid a foreclosure (i.e.: a short sale or a deed in lieu of foreclosure)

  • Individuals who have received a loan modification or positive outcome in a mediation, who are looking for credit advice

Please note: this program is NOT intended for individuals who are seeking assistance to stop a foreclosure sale.

At the Foreclosure Recovery session, an attorney will review the person's credit report and determine what outstanding legal issues he or she may face.  

For additional information on this new program, please click here, or you may complete an intake form to apply for the program.  In the legal category field, please select "Civil Justice Foreclosure Recovery Program".  An intake coordinator will contact you within one business day once the intake form is received.

Civil Justice’s Low Bono Foreclosure Mediation Program: Filling a Critical Need

This summer, Civil Justice marked three years of providing critical legal services to homeowners through its Low Bono Foreclosure Mediation Program. Started in the summer of 2010, shortly after Maryland substantially revised its laws to allow for mediations for homeowners facing foreclosure, the program assists homeowners who do not qualify for pro bono (free) representation in foreclosure mediations. 

Low Bono: Retaining an Attorney for an Affordable Fee
Many struggling homeowners who need assistance with foreclosures cannot afford to pay the full fee to hire a private attorney.  Their incomes are too high to qualify for free legal representation, but not high enough to pay a traditional hourly fee to an attorney. For those individuals and families, Civil Justice’s program provides an affordable means to retain an attorney.  Civil Justice’s “Low Bono” (reduced fee) attorneys have agreed to represent homeowners who meet certain income guidelines in foreclosure mediations for a flat fee of $500. This Low Bono program fills a critical need for legal services for middle income Marylanders, who may otherwise be forced to navigate the often complicated and confusing foreclosure process without the benefit of experienced legal counsel.

Mediations: A Viable Way to Bring Together the Lender and Homeowner
Since its inception, Civil Justice’s Low Bono Program attorneys have represented over 200 homeowners at foreclosure mediations. These mediations provide an opportunity for homeowners to communicate directly with their lenders about alternatives to foreclosure with the assistance of a neutral third-party mediator.  

For more information on Maryland’s mediation process, see Mediation. If you are a homeowner needing assistance with a foreclosure and are interested in Civil Justice’s Low Bono Mediation Program, please contact us at 410-706-5649, or email us at  



Civil Justice, Inc is a Maryland non-profit corporation formed for the purpose of increasing the delivery of legal services to clients of low and moderate income while promoting a statewide network of solo, small firm and community based lawyers who share a common commitment to increasing access to justice through traditional and non-traditional means.

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