Maryland Foreclosure Mediation

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                              Maryland's Foreclosure Mediation
What You Need to Know About Foreclosure Mediation

Maryland’s new Foreclosure Mediation Law became effective July 1, 2010. The law requires mortgage
lenders and servicers to be much more responsive to homeowners facing foreclosure. The goal of the law
is to help homeowners get relief through a loan modification if they qualify or to find an alternative to
foreclosure. The law gives homeowners a new opportunity to meet with the lender and an independent
party to ensure that alternatives to foreclosure have been considered and evaluated.

Mediation is a process that can be used to resolve disagreements outside a courtroom. Both sides meet
with a neutral third party who tries to help them find a resolution. “Foreclosure Mediation” under this new
law is designed to help foster a dialogue between homeowners and lenders to make sure a fair assessment
is made and the homeowner is offered any options they may qualify for.

Responsibilities of Lenders

Under this law, when a lender notifies a homeowner about possible foreclosure, the lender also must
provide more complete information about options available to homeowners, including information about
specific modification programs, such as the federal Home Affordable Modification Program (HAMP),
any lender-specific programs, and resources and assistance available from nonprofit organizations and
government. If a homeowner fills out and returns a loan modification application, the lender must
evaluate the request and document their decision before foreclosure can proceed to the next step. Should a
lender take the next step, and initiate foreclosure proceedings with the court system, they must also send
the homeowner a “Request for Mediation” form.

Responsibilities of Homeowners

Homeowners must contact their lenders and be responsive to any applications for loan modification
programs or other alternatives to foreclosure that they may offer. If the home facing foreclosure is a
homeowner’s principal residence, the homeowner will have the right to request mediation once the lender
initiates foreclosure proceedings with the court system. At that time, the lender must send a “Request for
Foreclosure Mediation” form. Homeowners will have 25 days to complete the form and file it with the
Circuit Court. Homeowners must pay a non-refundable $50 fee when they formally file this request for
mediation.

You should not wait until you can request mediation before starting efforts to save your home. The
opportunity to participate in mediation occurs at a late stage in the foreclosure process and does not
guarantee you may avoid foreclosure. Contact your lender and a housing counselor at the earliest sign of
financial difficulty. A list of housing counseling agencies near you can be obtained by calling the
MDHOPE hotline at 877-462-7555 or by clicking on the Counseling tab.


                                 Maryland Volunteer Lawyers Service
                       One North Charles Street, Suite 222 Baltimore, MD 21201
                      Intake 410-547-6537 or 1-800-510-0050 FAX 443-451-4081
                                www.mvlslaw.org  info@mvlslaw.org

                                                    1
Attention: Sally Snowberger


                                  Foreclosure Prevention Pro Bono Project
                                             Client Intake Form

                                                PLEASE PRINT CLEARLY

Your Name                                                   Today’s Date

If you are not a borrower on the loan, what is your relationship to the borrower?

Daytime phone numbers

Property Address (include city and zip code)                County

List of all names on title of property                      List all names on Note

Age of borrower                                             Age of co-borrower



Check ALL that apply:

     The above address is my primary residence

     I still live in the primary residence.

     I do not own another property or time share OR I do own other property but it is how I earn my living.

     I am not currently represented by an attorney in a matter regarding the property (such as bankruptcy,
      divorce, or estate matter).

     I have received a letter or notice from my lender or my lender’s attorney threatening foreclosure.


If you are no longer living in the property, please explain why you moved.


Is the property vacant?        Yes          No

Have you filed Bankruptcy?        Ch. 13        Ch. 7      Date Filed                              No

If yes, is the house included in the Bankruptcy?         Yes        No

Status of Bankruptcy       Active        Discharged      Voluntarily Dismissed     Involuntarily Dismissed

Discharge or Dismissal Date

If you are currently represented by an attorney, please provide name and phone number of the attorney.


Type of current        Bankruptcy         Mortgage Default         Divorce    Estate matter
representation                                                                    involving the property
                       Other (explain)

                                                                2
Attention: Sally Snowberger


Check ALL that you have received and provide dates:

 Letter or notice from lender or lender’s attorney about foreclosure dated
 Notice of Intent to Foreclose dated
 Order to Docket with documents filed in Circuit Court. I received these documents on
 Letter that my home will be sold at auction on
 My home was sold at auction on                       It was purchased by.
 Report of Sale dated
 Motion for Judgment Awarding Possession Prior to Ratification
 Motion for Judgment Awarding Possession
 Order to Show Cause By (date)
 Letter or Notice stating that you must move?        If yes, from whom?
  Move out date
 Notice of Eviction from the Sheriff.    Eviction date

Check ALL types of liens that apply:
   First Mortgage                  Lien for unpaid condo or homeowners association fees
   Second Mortgage                  Amount $
   Home Equity Line of Credit      Tax Liens    Federal $               State $
   Other types of liens                          Local Government $
    Amount $                         (explain)

Plaintiff or defendant in any court action, excluding foreclosure and traffic issues?    Yes    No
Describe



Year I bought my home
Number of Household Residents               Number of Adults               Age(s) of Children


Check all that apply:
I want to:
 Keep my home.
 Sell my home.
I need help to:
 Negotiate a loan modification for my  first mortgage  second mortgage.
 Negotiate a time to sell my home.
 Negotiate a short sale of my home. Home will only sell for less than amount owed on mortgages.
 Obtain more time before I have to move out of my home.
 Other (be specific)




                                                             3
Attention: Sally Snowberger


Complete the information requested on the following pages for each mortgage or line of
credit that you have against the property, even if you are current on your payments.

Homeowner’s Name:
The following information refers to my: (CHECK ONLY ONE)
 First Mortgage  Second Mortgage  Home Equity Line of Credit

I send my mortgage payments to          Current Interest Rate                   Current Monthly Payment
                                                                %               $
Loan Date                               Term:     30 years      20 years      Amount borrowed (amount on Note)
                                                  15 years      Other         $

Loan was  Purchase  Refinance         Approximate current loan balance:        $

If a refinance, reason      Lower Monthly Payment        Consolidate bills          Refinance to avoid foreclosure
                            Other (explain)

Current payment arrangements             Payments as per Note          Written forbearance agreement
                                         Loan modification             Mortgage company won’t accept payments
                                         Verbal repayment plan
Payment includes          Principal  Interest  Taxes              Homeowners Insurance         Not Sure
                          Lender Placed Insurance
Loan Payment Status       Current     30-60 days late  61-90 days late             91-120 days late
                          121 days late or greater  In foreclosure
Amount saved toward arrears       $

Most recent mortgage payment was made on                             (date)   Amount paid    $

Check ALL that apply:
Condo or home owner’s association (HOA) dues?        Yes       No      Current      In arrears    $
Reason for default/anticipated default  Reduction in income  Loss of income (unemployment)
 Interest rate increase  Unaffordable from the beginning  Medical Expenses   Divorce Expenses
 Paying other debt instead of mortgage (car loans, credit cards, etc.)
 Other (explain)
Loan Features (Check all that apply)
       Adjustable Rate Mortgage (ARM)  2/28  3/27             Interest only for    (number of years)
       Fixed rate                                               Payment option ARM/Pick a Payment
       Balloon                                                  Prepayment penalty  Not Sure
       Conventional                                             FHA  VA
Have you contacted your mortgage company?        Yes         No
What was their response?

Is the house currently on the market?  No  Yes Date placed on the market
Asking Price $                    Is this a short sale?  Yes  No Any offers?             Yes       No

If home is not on the market, approx. current market value of home     $
Based on  Recent sale of similar property in my neighborhood           Real estate agent
              Appraisal within the last 3 months  Other


                                                         4
Attention: Sally Snowberger



Are you working with a housing counselor?                             Yes, currently     Previously      No
Name of counselor and agency
Phone number of agency                                                Date
What was the result?

Are you working with anyone else regarding your mortgage?             Yes, currently     Previously      No
Name of individual and/or company
Phone number of individual and/or company                                     Date
Paid up-front fees?  Yes  No If yes, amount $
What was the result?

The following refers to my: (CHECK ONLY ONE)
 Second Mortgage  Home Equity Line of Credit

I send my mortgage payments to        Current interest rate                  Current monthly payment
                                                         %                   $
Loan date                             Term:      30 years     20 years     Amount borrowed (amount on Note)
                                                 15 years     Other        $

Loan was  Purchase  Refinance       Approximate current loan balance:      $

If a refinance, reason    Lower Monthly Payment       Consolidate bills      Refinance to avoid foreclosure
                          Other (explain)

Current payment arrangements        Payments as per Note           Written forbearance agreement
                                    Loan modification              Mortgage company won’t accept payments
                                    Verbal repayment plan
Payment includes      Principal    Interest     Not Sure
Loan Payment Status       Current     30-60 days late  61-90 days late             91-120 days late
                          121 days late or greater  In foreclosure
Most recent mortgage payment was made on                            (date)   Amount paid    $
Loan Features (Check all that apply)
       Adjustable Rate Mortgage (ARM)  2/28  3/27           Interest only for    (number of years)
       Fixed rate                                             Payment option ARM/Pick a Payment
       Balloon                                                Prepayment penalty  Not Sure
       Conventional                                           FHA  VA
Have you contacted your mortgage company?        Yes        No
What was their response?


Please ATTACH any additional information you feel an attorney may need regarding your mortgage issue.




                                                        5
Attention: Sally Snowberger


Name(s)                                        Loan #

Address

A. Household Expenses Monthly                      Borrower’s Occupation
Fixed MONTHLY Expenses               Payment       Borrower’s Monthly Income
1st Mortgage                                       Gross Monthly         Net Income (after
Property Taxes (if not included in                 Income “GMI”          taxes and deductions)
1st mortgage payment)
Homeowners insurance (if not
                                                   $                     $
included in 1st mortgage payment
2nd Mortgage                                       Co-borrower  Yes  No
Condo/Homeowner Association                        Spouse or Partner’s Occupation
Fees                                               Gross Monthly          Net Income (after
Gas & Electric                                     Income                 taxes and deductions)
Heating Oil
                                                   $                      $
Water & Sewer
Telephone
Car Payment 1                                      Other Household Income Non-Borrower
Car Payment 2                                      Gross Monthly        Net Income (after
Auto Insurance                                     Income               taxes and deductions)
Life Insurance                                     $                    $
Medical Insurance                                  Describe
Alimony/Child Support
Alarm System
Other/Minimum Credit Card
Payment from Section C
Sub-Total FIXED Expenses:                          Total Borrower(s) GMI     $
                                                   31% of GMI                $
B. Monthly Income
Other MONTHLY Expenses               Payment       Total Household GMI       $
Groceries                                          31% of Household GMI      $
Eating Out
Gas                                                C. Credit Cards and Other Debt
Bus/Taxi/Parking
                                                   Creditor Name         Payment     Balance
Car Repairs
Toiletries/Hair Care
Medical Prescriptions
Day Care
Cable TV/Internet
Clothing/Laundry
Lottery                                            Total                 $           $
Church/Charity
Entertainment
                                                   Monthly Surplus/Deficit
Cell Phone
Other                                              Total NET Monthly Household       $
Sub-Total OTHER expenses                           Income
                                                   Subtract Total Monthly Expenses   $
Total Monthly Expenses                             Monthly Surplus or Deficit        $

Client Signature:                                  Date:


                                               6
Attention: Sally Snowberger


                                         Demographics Form

Please complete. Your answers to these questions will have no bearing on whether or not we will assist
you with legal needs at this time. The only purpose for these questions is for MVLS reporting. Thank
you.
Name:                                                              Date:

Handicapped:  Yes  No                       Sex:  Male  Female         Birthdate:
Race:     1 – White               2 – Black              3 – Hispanic              4 – Native American
          5 – Asian American      6 – Pacific Islander   7 – Other___________
Languages Spoken:       English                     Spanish                    Other
Source(s) of income:    1 – Employment           2 – Welfare/Food Stamps/TCA 3- Social Security/SSI
4 – Retirement          5 – Unemployment         6 – VA Benefits                 7- Other____________




                                                     7
Attention: Sally Snowberger

Maryland Volunteer Lawyers Service
One North Charles Street, Suite 222
Baltimore, Maryland 21201
(410) 539-6800

CERTIFICATION OF FINANCIAL ELIGIBILITY


NAME:

ADDRESS:

City, State, Zip

Date of Birth                /           /                     Phone:

There are           adults and               children in my household.

TOTAL (GROSS) INCOME OF ALL HOUSEHOLD MEMBERS:
This amount is:   YEARLY        MONTHLY        WEEKLY
SOURCES OF INCOME
LIST ASSETS SUCH AS BANK ACCOUNTS, STOCKS, RENTAL PROPERTY, CAR HOME & THE
VALUE OF EACH:


                                                                                     Total $

I certify that the information given above about my income is complete and accurate. MVLS may check the accuracy
of this information, if it wishes. I authorize my attorney to disclose to MVLS any information that my attorney learns
about my financial circumstances, notwithstanding the client/attorney privilege. I understand that if the information is
not correct, MVLS may close my case.

I also understand that if after reviewing my financial situation, my attorney feels I am able to pay for legal services,
he/she may negotiate a fee for me to pay.

I authorize MVLS to release this Statement of Eligibility to persons checking to see that MVLS has complied with the
restrictions on its funding.

I understand that information about the facts and outcome of my legal matter will be treated as confidential
information subject to the following exception: I hereby permit and instruct any attorney, law office staff, legal or
social services agency to whom this matter is referred by MVLS, to respond by phone or in writing, to requests made
by MVLS for information about the facts, progress or outcome of my case.

If I own property, I own only one house that I occupy.

And, I understand that while MVLS will try to find an attorney for me, it cannot guarantee it will find one who will
accept my case.

CLIENT’S SIGNATURE                                                                     DATE
                                                             8
Attention: Sally Snowberger



                         DOCUMENTS NEEDED BY YOUR ATTORNEY


Please locate the follow ing documents as soon as possibl e. You will need to br ing these to your first
meeting with your attorney.

      Most recent mortgage statement or payment coupon.

      All documents provided to you at Settlement/Closing for your house.

      If you have a second mortgage, hom e equity line of credit or have re-f inanced your house, your
       attorney will need to see all those documents.

      Every piece of correspondence sent to you by your lender or an attorney regarding your delinquent
       mortgage payments or foreclosure.

      Copy of your deed, if you have one.

      Two most recent months of bank statements for every bank account you have.

      Two most recent pay stubs for every wage earn er in the house or award letter/statement regarding
       other income such as a social security payment.

      Two most recent federal tax returns or W-2s & 1099s

      The enclosed budget form completed.

Please note: If you met with a housing c ounselor and have provided us with the na me of th e agency
providing the counseling and have signed the necessary authorization, we will contact that agency for a
copy of your file which may contain some of the above documents and forms.




                                                    9
Attention: Sally Snowberger


                             Foreclosure Prevention Pro Bono Project

                                Third Party Disclosure Agreement


   1. I understand that Maryland Volunteer Lawyers Service (MVLS) receives Congressional funds
      through the National Foreclosure Mitigation Counseling (NFMC) program, as administered by the
      Maryland Department of Housing & Community Development (MDHCD) and Pro Bono
      Resource Center (PBRC) and, as such, is required to share some of my personal information with
      NFMC, MDHCD and PBRC program administrators or their agents to aid in program monitoring,
      compliance and evaluation.

   2. I give permission for NFMC, MDHCD or PBRC program administrators and/or their agents to
      follow up with me between now and June 30, 2011 for the purposes of program evaluation.

   3. I acknowledge that I have received a copy of MVLS' Privacy Policy.


Homeowner’s name (printed)

Homeowner’s signature

Date


Homeowner’s name (printed)

Homeowner’s signature

Date




                                                  10
Attention: Sally Snowberger


                              Foreclosure Prevention Pro Bono Project

                                             Privacy Policy

Maryland Volunteer Lawyers Service (MVLS) is committed to assuring the privacy of individuals and
families who have contacted us for legal assistance. We realize that the concerns you bring to us are
highly personal in nature. We assure you that all information shared both orally and in writing will be
managed within legal and ethical considerations. Your “nonpublic personal information,” such as your
total debt information, income, living expenses and personal information concerning your financial
circumstances, will only be provided to program administrators outside of MVLS with your authorization
and signature on the Third Party Disclosure Agreement.

We may also use anonymous aggregated case file information for the purpose of evaluating our services,
gathering valuable research information and designing future programs.

Type of information that we gather about you
Information we receive from you orally or on applications or other forms, such as your name, address,
assets, income, and type of legal problem you are requesting assistance with.

You may opt-out of certain disclosures
1.   You have the opportunity to “opt-out” of disclosures of your nonpublic personal information to
     third parties, that is, direct us not to make those disclosures.

2.     If at any time, you wish to change your decision about "opting out," you may call us at 410-547-
       6537 and we will send you a new Third Party Authorization Form to sign.

Release of your information to third parties
1.    So long as you have not opted-out, we may disclose some or all of the information that we collect,
      as described above, to third parties when such disclosure is a requirement of grant awards which
      make our services possible.

2.     We may also disclose any nonpublic personal information about you or former      clients to
       anyone as required by law (e.g., if we are compelled by legal   process).

3.     Within the organization, we restrict access to nonpublic personal information about you to those
       employees who need to know that information to provide services to you. We maintain physical,
       electronic and procedural safeguards that comply with applicable regulations to guard your
       nonpublic personal information.




                                                   11
Attention: Sally Snowberger


                              Foreclosure Prevention Pro Bono Project

                                   Housing Counseling Affidavit

To qualify for service through the Foreclosure Prevention Project, homeowners must have received
counseling from one of the housing counseling agencies listed below. Please check the agency where you
received counseling.

      Organization        Juridiction      Zip    Phone Number           Web Address
Consumer Credit                          21228
Counseling Service of                    (Main)
                        Statewide                1-866-731-8486 http://www.cccs-inc.org
Maryland and Delaware,                   8 other
Inc.                                     offices
St. Ambrose Housing Aid
                        Statewide        21218 410-366-8550         http://www.stambros.org
Center, Inc.
Anne Arundel County
Economic Opportunity    Anne Arundel     21401 410-626-1900         http://www.aaceoc.com
Committe, Inc*
Arundel Community
Development Services,   Anne Arundel     21401 410-222-7600         http://www.acdsinc.org
Inc.
Belair Edison
                        Baltimore City   21213 410-485-8422         http://www.belair-edison.org
Neighborhoods, Inc.
Druid Heights Community
                        Baltimore City   21217 410-523-1350         http://www.druidheights.com
Development Corp.
Neighborhood Housing                             410-327-1200
                        Baltimore City   21231                      http://www.nhsbaltimore.org
Services of Baltimore                            x133
Southeast Community
Development             Baltimore City   21224 410-342-3234         http://www.southeastcdc.org
Corporation*
Eastside Community      Baltimore
                                         21224 410-284-9861         http://www.eastsidecdc.org
Development Corporation County
We Are Family
                        Baltimore
Community                                21133 410-922-9623         http://www.wearefamilycdc.org
                        County
Development*
                        Harford and                                 http://www.homepartnershipinc.or
Home Partnership, Inc.                   21085 410-679-3200
                        Cecil                                       g
Delmarva Community
                        Eastern Shore    21613 410-901-2991         http://www.dcsdct.org
Services, Inc.
Maryland Rural
                        Eastern Shore    21639 410-479-3566         http://www.mrdc.net
Development Corp.
Salisbury Neighborhood
                        Eastern Shore    21804 410-543-4626         http://www.salisburynhs.org
Housing Services

                                                 12
Attention: Sally Snowberger

      Organization         Juridiction    Zip  Phone Number          Web Address
                                              410-749-1142
Shore-Up!Inc.             Eastern Shore 21804               http://www.shoreup.org
                                              x307
City of
                          Frederick      21701 301-600-1506      www.cityoffrederick.com/fcaa
Frederick/Frederick CAA
Garrett County
                          Garrett and            301-334-9431
Community Action                         21550                   http://www.garrettcac.org
                          Allegany               x149
Committee
Latino Economic
                          Montgomery             1-877-977-LEDC
Development                              20902                  http://www.ledcmetro.org
                          County                 (5332)
Corporation*
                          Montgomery
Housing Initiative
                          and Prince     20782 301-699-3835      http://www.hiphomes.org
Partnership, Inc.*
                          George's
                          Montgomery
HomeFree-USA*             and Prince     20782 301-891-8400      http://www.homefreeusa.org
                          George's
Greater Washington        Prince
                                         20782 301-985-3519      http://www.gwul.org
Urban League              George's
Kairos Development        Prince
                                         20746 301-899-1180      http://www.kairosgroups.org
Corporation               George's
Roots of Mankind          Prince
                                         20748 301-899-6800      http://www.romkind.org
Corporation               George's
Sowing Empowerment
                          Prince
and Economic                             20737 301-458-9808      http://www.seedinc.org
                          George's
Development*
Housing Options and      Prince
Planning Enterprises,    George's and 20745 301-567-3330         http://www.hopefinancial.org
Inc.*                    Charles
United Communities       Prince
                                         20731 301-322-5700      http://www.ucappgc.org
Against Poverty          George's
                         Prince
Unity Economic
                         George's and 20613 301-505-0331         http://www.unityedc.org
Development Corporation
                         Charles
Southern Maryland Tri- Southern
                                         20637 301-274-4474      http://www.smtccac.org
County CAC               Maryland
Hagerstown
                                                                 http://www.hagerstownhomestore.
Neighborhood             Washington      21740 301-797-0900
                                                                 org
Development Corp.
Washington County
Community Action         Washington      21740 301-797-4161      http://www.wccac.org
Committee
* Bilingual Capacity * Current chart downloaded from DHCD

                                                 13
                                                         Legal assistance for people in need



                                                    Authorization to Release Form
BOARD OF DIRECTORS

Lawrence D. Coppel
President
                                  Borrower:
Susan T. Preston
Vice President
                                     Last Four Digits of the Borrower Social Security Number

Fred S. Hecker
Secretary                         Co-Borrower
Paul S. Sugar                        Last Four Digits of the Borrower Social Security Number
Treasurer


Tanya Axenson
                                  Property Address:
Rignal W. Baldwin, Jr.
Linda J. Botek                                                                                                     Zip code
Robert S. Brennen
Alan C. Cason
Caroline D. Ciraolo
                                  Telephone Numbers
Robert J. Cornish, III
Steven R. Freeman
Mary T. Keating
                                  E-Mail:                                   Alternate E-Mail:
Frederick L. Kobb
M. Natalie McSherry               Lender:                                                 Loan Number:
Christopher R. Rahl
Kerry D. Staton                   Servicer:                                               Conventional ( ) FHA ( ) VA ( )

Executive Director                Nonprofit Agency:
Bonnie A. Sullivan

                                  Housing Counselor:                                                   Telephone:
Deputy Director
Richard R. Chambers
                                  Counselor’s E-Mail:

                                  I/we authorize that nonprofit agency named above (herein after “Nonprofit Agency”
                                  and its representatives to speak with my/our lender and with whoever is servicing
                                  responsibilities for my/our loan and to provide to such parties documentation on
                                  my/our behalf regarding our loan.




                                                                       14
                         One North Charles S treet, Suite 222 • Baltimore, MD 21201-3710 • www.mvlslaw.org • info@mvlslaw.org
                               Administration 410-539-6800 • Intake 410-547-6537 or 800-510-0050 • Fax 443-451-4081
    



         Foreclosure Mitigation Counseling Agreement

   1. I understand that Maryland Volunteer Lawyers, INC provides assistance in
      locating legal help for foreclosure mitigation counseling. Upon qualifying for
      legal assistance MVLS will try to locate a lawyer, either pro bono, lower fee or
      reduced fee.

   2. I understand that Maryland Volunteer Lawyers Service, INC receives
      Congressional funds through the National Foreclosure Mitigation Counseling
      (NFMC) program and, as such, is required to share some of my personal
      information with NFMC program administrators or their agents for purposes of
      program monitoring, compliance and evaluation.

   3. I give permission for NFMC program administrators and/or their agents to follow-
      up with me between now and June 30, 2013 for the purposes of program
      evaluation.

   4. I acknowledge that I have received a copy of MVLS’s Privacy Policy.

THE FOLLOWING ARE OPTIONAL STATEMENTS THAT CAN BE INCLUDED IF
APPLICABLE:
  1. I may be referred to other housing services of the organization or another agency
     or agencies as appropriate that may be able to assist with particular concerns that
     have been identified. I understand that I am not obligated to use any of the
     services offered to me.

   2. A counselor may answer questions and provide information, but not give legal
      advice. If I want legal advice, I will be referred for appropriate assistance.

   3. I understand that Maryland Volunteer Lawyers Service, INC provides information
   and education on numerous loan products and housing programs and I further
   understand that the housing counseling I receive from Maryland Volunteer Lawyers
   Service, INC in no way obligates me to choose any of these particular loan products
   or housing programs.



Client’s signature____________________________          Date______________________




                                            15
    
    




               Maryland Volunteer Privacy Policy
     
Maryland volunteer Lawyers Service, INC is committed to assur ing the pr ivacy of
individuals and/or f amilies who ha ve contacted us f or assistance. We realize that the
concerns you bring to us are highly personal in nature. We assure you that all information
shared both orally and in writing will be managed within legal and ethical considerations.
Your “nonpublic personal inform ation,” such as your total debt inform ation, income,
living expenses and personal information c oncerning your financial circum stances, will
be provided to creditors, program monitors, and others only with your authorization and
signature on the Foreclosure Mitigation     Counseling Agreement. We may also use
anonymous aggregated case file inform ation for the purpose of evaluating our services,
gathering valuable research information and designing future programs.

Types of information that we gather about you
• Information we receive from you orally, on a pplications or other form s, such as your
name, address, social security number, assets, and income;
• Information about your transa ctions with us, your creditors, or othe rs, such as your
account balance, payment history, parties to transactions and credit card usage; and
• Information we receive from a credit reporting agency, such as your credit history.

You may opt-out of certain disclosures
1. You have the opportunity to “opt-out”       of disclosures of your nonpublic personal
information to third parties (such as your creditors), that is, direct us not to m ake those
disclosures.

2. If you choose to “o pt-out”, we will not be able to answer questions from          your
creditors. If at any time, you wish to change your decision wi th regard to your “opt-out”,
you may call us at 443-451-4067 and do so.

Release of your information to third parties
1. So long as you have not opted-out, we may disclose some or all of the information that
   we collect, as described above, to your creditors or third parties where we have
   determined that it would be helpful to you, would aid us in counseling you, or is a
   requirement of grant awards which make our services possible.

2. We may also disclose any nonpublic personal information about you or former
   customers to anyone as permitted by law (e.g., if we are compelled by legal process).

3. Within the organization, we restrict access to nonpublic personal information about
   you to those em ployees who n eed to know that inform ation to provide services to
   you. We maintain physical, electronic and pr ocedural safeguards that com ply with
   federal regulations to guard your nonpublic personal information.



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