1 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 person( s) licensed to make the sale and the debtor's names. You may use the computers in our record space to search for foreclosure cases. The very best way to discover info about residential or commercial properties going to foreclosure is to look at the legal notifications published in local documents. The notifications offer contact info to the auctioneer.

Where are your foreclosure auctions held and at what time? The Clerk's Office does not schedule foreclosure auctions. Before selling the residential or commercial property, the specific authorized to make the sale shall publish notification of the time, place, and regards to the sale in a newspaper of basic blood circulation in the county in which the action is pending. Many auctions occur on the front steps of the court house, due to the fact that it is a familiar point of recommendation. However, each sale is unique. Persons interested in going to a sale ought to look in the legal notifications for the sale info and contact the individual responsible for the sale to ensure that the sale will be held.

How can I learn if the sale is moving forward or if the sale was held? The Clerk's office will have no knowledge of whether a scheduled sale will go forward or be rescheduled. Until a report of the sale is submitted with the Courts, the Clerk's Office will not have the ability to tell you if the sale was actually held. The person licensed to make the sale has up to thirty days to report the sale to the Court. Questions concerning a sale can be directed to the person( s) authorized to make the sale whose name and contact info appear in both the advertised publication and any published or sent by mail notifications.

Can I submit an Ask for Mediation in my Foreclosure Case? If your case was submitted July 1, 2010 or later, and the action is to foreclose a lien on owner-occupied home, you may 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 info about submitting an Ask for Mediation. The types to Request Mediation will be sent out to you from the lender's attorney at the very same time that they supply you with a Final Loss Mitigation Analysis. The Court does not have the kinds.

A demand for foreclosure mediation might be submitted as much as 15 days after the mailing of the final loss mitigation affidavit. An Ask For Foreclosure Mediation shall be accompanied by a filing charge of $50.00. The court may decrease or waive the filing cost if the mortgagor is qualified for a reduction or waiver under the Maryland Legal Services standards.

Request to Waive the Filing Fee for Foreclosure Mediation

When is my home going to be offered? The person( 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 local newspaper. The notification of the sale will be released a minimum of when a week for 3 succeeding weeks, the last publication shall be not more than one week before the sale. A notification of the time, place, and terms of the sale will likewise be sent out by both certified mail and by first class mail, not more than one month and not less than 10 days before the date of the sale, to the debtor, 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 finally ratified a sale and the purchase cash has actually been paid, the private making the sale shall convey the residential or commercial property by deed to the buyer or to an assignee of the buyer. When the new deed has been taped, the new owner of the residential or commercial property will be shown in the State Department of Assessment and Taxation's records. To see their records, go to their site. 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 need to go into the county and street address.

Clerk's Office Circuit Court for Calvert County

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