Facing Foreclosure in Wicomico County? You Have Options.

If your Wicomico County home is facing foreclosure, know that you have legal rights and options.

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 serve homeowners throughout Wicomico County, including Salisbury, Fruitland, Delmar, Hebron, and Mardela Springs. As the largest city on the Eastern Shore, Salisbury is the economic hub of the lower shore — but economic downturns, medical emergencies, and job loss can make mortgage payments impossible even for hardworking families. We already represent personal injury clients in Wicomico County and bring that same commitment to our bankruptcy clients facing foreclosure.

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 Wicomico 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 Wicomico 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 Wicomico County Circuit Court.

Court location: Wicomico County Circuit Court, 101 N. Division Street, Salisbury, MD 21801.

Frequently Asked Questions — Wicomico County Foreclosure

I live in Salisbury. How do I start the bankruptcy process?

Call us for a free consultation at (610) 255-7500. We’ll review your financial situation, discuss your options, and if Chapter 13 is right for you, we can begin preparing your petition immediately. In emergency situations, we can file within 24-48 hours to stop a pending trustee sale.

Can I keep my home if I also have significant credit card debt?

Yes — and this is one of the biggest advantages of Chapter 13. Your plan can prioritize your mortgage arrears while paying unsecured creditors (credit cards, medical bills) only what you can afford. Many Chapter 13 plans pay unsecured creditors pennies on the dollar, freeing up income to maintain your mortgage payments.

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 Dorchester County
• Foreclosure Help in Somerset County
• Foreclosure Help in Worcester County
• Personal Injury Lawyer Wicomico, MD

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