Frequently Asked Questions - Foreclosure
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Can I get a list of residential or commercial properties being foreclosed? The Court does not keep a list of residential or commercial properties in foreclosure. Foreclosure cases are Civil Action cases and they are indexed in the names of the individual( s) licensed to make the sale and the debtor's names. You may use the computers in our record space to look for foreclosure cases. The finest way to find information about residential or commercial properties going to foreclosure is to look at the legal notices published in local documents. The notices supply contact info to the auctioneer.
Where are your foreclosure auctions held and at what time? The Clerk's Office does not arrange foreclosure auctions. Before offering the residential or commercial property, the individual licensed to make the sale will release notification of the time, place, and regards to the sale in a paper of in the county in which the action is pending. Many auctions happen on the front actions of the court house, due to the fact that it is a familiar point of reference. However, each sale is special. Persons thinking about attending a sale needs to search in the legal notices for the sale information and call the person accountable for the sale to make sure that the sale will be held.
How can I find out if the sale is moving forward or if the sale was held? The Clerk's office will have no understanding of whether a scheduled sale will go forward or be rescheduled. Until a report of the sale is filed with the Courts, the Clerk's Office will not be able to inform you if the sale was really held. The individual authorized to make the sale has up to thirty days to report the sale to the Court. Questions relating to a sale can be directed to the person( s) authorized to make the sale whose name and contact information appear in both the advertised publication and any posted or mailed notices.
Can I submit an Ask for Mediation in my Foreclosure Case? If your case was filed July 1, 2010 or later on, and the action is to foreclose a lien on owner-occupied home, you might be eligible for mediation. Maryland Annotated Real Residential Or Commercial Property Code 7-105.1 sets out residential or commercial property foreclosure procedures, consisting of information about submitting a Request for Mediation. The types to Request Mediation will be sent to you from the lending institution's attorney at the same time that they supply you with a Last Loss Mitigation Analysis. The Court does not have the forms.
An ask for foreclosure mediation may be filed up to 15 days after the mailing of the final loss mitigation affidavit. A Demand for Foreclosure Mediation shall be accompanied by a filing fee of $50.00. The court may lower or waive the filing charge if the mortgagor is qualified for a decrease or waiver under the Maryland Legal Services standards.
Request to Waive the Filing Fee for Foreclosure Mediation
When is my home going to be sold? The individual( s) licensed to make the sale will release the date of the sale of your residential or commercial property in the legal notifications of a regional paper. The notification of the sale shall be published a minimum of as soon as a week for three successive weeks, the last publication will be not more than one week before the sale. A notice of the time, place, and regards to the sale will also be sent out by both certified mail and by very first class mail, not more than one month and not less than 10 days before the date of the sale, to the customer, the record owner of the residential or commercial property and the holder of any subordinate interest in the residential or commercial property.
My home was offered. Is the deed still in my name? After the court has actually lastly ratified a sale and the purchase money has been paid, the individual making the sale will communicate the residential or commercial property by deed to the purchaser or to an assignee of the purchaser. When the brand-new deed has actually been tape-recorded, the brand-new owner of the residential or commercial property will be reflected in the State Department of Assessment and Taxation's records. To see their records, go to their website. Click on Search Court records and click SDAT Real Residential or commercial property Search, Real Residential Or Commercial Property Data (at bottom of page). To search assessment records, you must get in the county and street address.
Clerk's Office Circuit Court for Calvert County
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