Facing Foreclosure in Baltimore County? You Have Options.

If you’ve received a foreclosure notice on your Baltimore County home, the situation may feel desperate — but you have powerful legal options. Baltimore County is one of Maryland’s most populous jurisdictions, and its diverse housing market means foreclosures affect families in every community, from Towson and Dundalk to Pikesville, Essex, Catonsville, and Perry Hall.

Federal law provides Chapter 13 bankruptcy — a powerful legal tool that can immediately stop your foreclosure and give you a court-supervised plan to save your home.

At the Siddons Law Firm, we represent Baltimore County homeowners facing foreclosure. As a member of the Maryland Bar with offices serving the greater Baltimore region, Attorney Siddons brings decades of bankruptcy experience to these urgent cases. We handle Baltimore County foreclosure defense on an emergency basis when necessary.

How Chapter 13 Bankruptcy Saves Your Home

✅ Stops your foreclosure sale immediately — The automatic stay halts all proceedings the moment you file.

✅ Gives you 3–5 years to catch up — Mortgage arrears are spread across a manageable repayment plan.

✅ Stops creditor harassment — Collection calls, lawsuits, and garnishments must stop.

✅ May reduce other debts — Credit cards, medical bills, and unsecured debts can be reduced or eliminated.

✅ Your lender must accept the plan — Court-ordered compliance, not voluntary negotiation.

Baltimore County Foreclosure Process

Maryland uses a nonjudicial foreclosure process through a lender-appointed trustee:

🔹 Notice of Intent: At least 45 days before foreclosure, with loss mitigation application for owner-occupied homes.

🔹 Order to Docket: Filed in the Baltimore County Circuit Court no earlier than 90-120 days after default.

🔹 Mediation: 25 days to request foreclosure mediation after the Order to Docket.

🔹 Trustee sale: Published notice for 3 weeks, then sale at the Circuit Court.

Court location: Baltimore County Circuit Court, 401 Bosley Avenue, Towson, MD 21204.

Baltimore County has one of the highest foreclosure filing volumes in Maryland. The Baltimore County Circuit Court processes hundreds of foreclosure cases annually, and the local bar of trustees who conduct these sales is well-established. Having an attorney who understands the specific practices of the Baltimore County court system is a significant advantage.

Frequently Asked Questions — Baltimore County Foreclosure

How quickly can you file to stop a Baltimore County foreclosure?

In emergency situations, we can file a Chapter 13 petition within 24-48 hours. The automatic stay takes effect the moment the petition is filed with the U.S. Bankruptcy Court for the District of Maryland in Baltimore. We immediately notify the trustee and the lender’s attorney to halt the sale.

I live in Dundalk/Essex/Middle River. Can you help?

Yes. We represent homeowners throughout all of Baltimore County — including Dundalk, Essex, Middle River, Rosedale, Perry Hall, Parkville, Overlea, Towson, Lutherville-Timonium, Cockeysville, Reisterstown, Owings Mills, Pikesville, Catonsville, Arbutus, Lansdowne, and all other communities. The entire county is within the jurisdiction of the Baltimore County Circuit Court.

What if I’ve already been to foreclosure mediation and it failed?

Chapter 13 bankruptcy is available regardless of whether mediation succeeded or failed. Many homeowners file Chapter 13 after unsuccessful mediation as their backup plan to save their home. The automatic stay stops the foreclosure even if mediation has already concluded and the lender is proceeding to sale.

Can bankruptcy help with Baltimore County property tax arrears?

Yes. Baltimore County property tax delinquencies can lead to tax sale certificates being sold. Chapter 13 can prevent the certificate holder from foreclosing and allows you to repay delinquent property taxes through your plan. This is in addition to curing any mortgage arrears.

Related Resources

• Foreclosure Help in Baltimore City
• Maryland Office
• Chapter 7 vs Chapter 13
• Bankruptcy FAQ
• Foreclosure Help in Cecil County

This communication is from a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.