Facing Foreclosure in Somerset County? You Have Options.

If you’ve received a foreclosure notice in Somerset County, federal bankruptcy law can protect your home.

Federal law provides a powerful tool called Chapter 13 bankruptcy that can immediately stop your foreclosure and give you a structured path to keep your home.

We represent homeowners throughout Somerset County — from Princess Anne and Crisfield to Westover, Marion, and Deal Island. Somerset County has one of the lowest median household incomes in Maryland, and financial hardship can hit quickly. Whether your mortgage troubles stem from job loss, medical bills, or other circumstances, our firm provides experienced bankruptcy representation to help you keep your home.

How Chapter 13 Bankruptcy Saves Your Home

✅ Stops your foreclosure sale immediately — The federal automatic stay halts all foreclosure proceedings the moment your petition is filed.

✅ Gives you 3–5 years to catch up — Past-due mortgage payments are spread across a manageable repayment plan.

✅ Stops creditor harassment — All collection calls, lawsuits, and wage 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 — If your plan meets federal requirements, your mortgage company must comply.

Maryland’s Foreclosure Process in Somerset County

Maryland uses a nonjudicial foreclosure process handled by a lender-appointed trustee:

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

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

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

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

Court location: Somerset County Circuit Court, 30512 Prince William Street, Princess Anne, MD 21853.

Frequently Asked Questions — Somerset County Foreclosure

Can I file bankruptcy if I have very low income in Somerset County?

Yes. Chapter 13 requires regular income, but the plan payments are based on your disposable income — the amount left after reasonable living expenses. If your income is below Maryland’s median, your plan may only need to be 3 years instead of 5. The court considers your actual expenses, including the realities of living in a rural area with higher transportation costs.

What about properties in Crisfield near the waterfront?

Chapter 13 protects all residential property regardless of location or type — including waterfront homes, manufactured homes on owned land, and family properties. The automatic stay applies immediately upon filing, stopping the foreclosure process no matter where in Somerset County your property is located.

Does Maryland have a right of redemption after foreclosure?

No. Maryland does not provide a statutory right of redemption after the sale is ratified. Acting before the sale — through Chapter 13 or other intervention — is critical.

Can Chapter 13 help with a Maryland tax sale?

Yes. Chapter 13 can stop the tax sale holder from obtaining a final foreclosure decree and allow you to pay back delinquent taxes through your repayment plan.

Related Resources

• Maryland Office
• Chapter 7 vs Chapter 13
• Bankruptcy FAQ
• Foreclosure Help in Wicomico County
• Foreclosure Help in Worcester County

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