Asso. General Counsel has Op-Ed on Student Loans Published in Baltimore Sun

Associate General Counsel Kat Hyland had an Op-Ed published in the Baltimore Sun on July 14th.  In the piece, titled "An Undeserved Debt", Kat shares her opinions on changes that are needed to the laws governing student loan repayment.  The piece can be read in its entirety here. 

Civil Justice's "Sweet Sixteen" Anniversary Celebration

On June 18th, Civil Justice, Inc had their Sweet Sixteen Anniversary Celebration.  It was a fun evening of renewing friendships, meeting new people, and celebrating the accomplishments of Civil Justice and its Network Member Attorneys.    The event also honored Melanie Murray Mfume as the "Civil Justice Network Member of the Year".  For photos of the event, please click here.  

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, 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.

The Latest from our Blog

Foreclosure Recovery: Helping Homeowners Get Back on Track:  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, conseque

"Passive" Debt-Buyers: An Urban Legend:  Maryland law requires debt-buyers who file debt collection lawsuits against consumers to be licensed as collection agencies with the Department of Labor, Licensing, and Regulation.  Earlier this year, two elected officials introduced separate legislation in the Maryland General Assembly that proposed to create a definition within the licensing laws for certain debt-buyers known as “passive debt buyers.”  In response to this potentially negative legislation, Civil Justice joined the team of CJ Network Attorneys and consumer advocates that submitted written and oral testimony in opposition to these bills.  The consumer advocates prevailed in having both bills withdrawn.  Here are a few reasons why Civil Justice opposed these bills:   Active and Passive Debt-Buying is a False Distinction According to the proposed legislation, a “passive debt buyer means a person who, for investment purposes, acquires a consumer claim in default at the time of acquisition.”  The distinction betwe