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The Notice of Intent to Foreclose (NOI) is the first step to the bank taking your home. Every minute you wait, you risk:

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We are Maryland attorneys and have helped over 3,517 Maryland homeowners just like you stop the nightmare of losing their homes.

Word From Our Clients

James R. Logan PA
Based on 77 reviews
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Andre WhiteAndre White
10:17 29 Jun 23
I received exceptional service from James Logan would definitely recommend his services to anyone in need
Tommy EllisTommy Ellis
17:38 16 Jun 23
Very professional, to the point at hand and truly cares for their clients
Juanita TynerJuanita Tyner
17:24 16 Jun 23
I Had a great experience with this law firm they helped me out Tremendously I highly recommend if you need a fresh start this is the place to start
Angel Harris-WiseAngel Harris-Wise
20:30 17 Jan 23
I had a great experience working with the office of James R. Logan. Everyone I’ve work with in the office from Elaine, Renee, Susan, Jim, and Mr. Logan had excellent customer service, were very responsive, and knowledgeable in their areas of expertise plus more!
Natalie FullerNatalie Fuller
00:20 07 Jan 23
Anne JamesAnne James
23:55 25 Aug 22
My experience with filing bankruptcy, with James Logan, was is a wonderful experience. I was assigned someone to help me with my bankruptcy, wasn’t stressful. They were very professional throughout the whole process.When I had any questions, if they weren’t available, I left a message, and they would return my call.promptly. I’m so grateful for this fresh start .Thank you James , Susan , and Amy
Belinda LindaBelinda Linda
14:40 03 Mar 22
I absolutely received wonderful service from this Law Office . Ken Bond and Susan Mays have been amazing through the whole process. Ken walked me through each step in the beginning, organizing my case , being flexible and always quick responding to any of my concerns .Susan Mays doesn’t play games in the court room, She is straight forward and is highly intelligent in her skills as a litigator .This is my 2nd time working with this law firm . Jim Logan knows his stuff and makes everything simplified for you to understand. I really wish it more stars to give this law office . Just an amazing team overall.
Al RiddickAl Riddick
19:00 15 Feb 22
The folks at the law firm have always been responsive to my questions and concerns. They also continue to work with me to make my situation better. The occasional email to check with me to see how I’m doing is nice. Special thanks to Ken Bond who has been my main contact from the beginning and has answered all my questions and been there when I needed him
Lazaro QuinonesLazaro Quinones
03:57 04 Feb 22
I truly recommend this company for a stress free bankruptcy. Great staff that’s always available to answer any and all questions. Oh and the price was great ⭐️⭐️⭐️⭐️⭐️
June RossJune Ross
18:33 03 Feb 22
Overall great experience. Was nervous calling but by the initial call I was at ease. Every part of the process was explained and executed quickly. The people that helped me were extremely personable , thorough and overall very friendly. 10/10
Andrea BrinkleyAndrea Brinkley
21:45 01 Feb 22
This is the best lawyer's office ever, they are so professional compassionate and real care about their clients!!! They did what ever it took to fight for my case for years and still doing so as of now and I'm so grateful to have lawyers like them on my side!! I would definitely recommend them to all my family and friends!! And Ms Susan Mays is the best she really listens to you!! Thank you James R Logan firm!!!
04:58 25 Nov 20
Excellent customer service. Mr. James Logan and his team members are so professional and efficient. His team members follow up with my case constantly. They have been leading me on what I need to do next step. Ken and Susan are awesome. I definitely don’t need to worry about anything. Thank you, I can have a fresh start. 100% Recommend.

The Process Of Mediation As A Means To Avoid Foreclosure In Maryland

Interviewer: How effective is the mediation? Is it a pretty strong process?

James Logan: I would say it’s not a strong process. At the mediation, the mediator doesn’t have any power to force either party to do anything. Nothing that’s said or presented at a mediation can be used as evidence in any other proceeding. In that respect, it’s not a real powerful but it is powerful on the fact that the mortgage companies have to have somebody available to discuss your case. That alone is a big relief for some people because many times, when you try to call the mortgage company, you just get run through the phone tree and you can never get anybody on the phone and round and round you go. So, just the ability to have somebody to talk to you from the mortgage company is very helpful. In my experience, it’s not going to provide a solution that wasn’t there otherwise but it is going to make the solution that is there much faster.

The Mediation Process Can Facilitate the Acquisition of a Loan Modification

If there’s a loan mod, it’s going to be worked out much faster through the mediation and through the normal process because there’s a deadline. You can talk to somebody directly who’s got the authority to make the decision. So, mediation can be powerful in that respect. On the other hand, if the bank was not going to give you a loan modification, the mediation is not going to force them to give you a loan modification. To get a loan modification, there has to be some reason to it. If you’re on disability and you get $800 a month, then you owe $300,000 on the house, you’re not getting a loan modification despite what anybody might tell you. On the other hand, if you have good income and there’s a reason why you fell behind, that’s not a guarantee that you will get a loan modification but at least, it’s a possibility. So, people have to be realistic about loan modifications.

The Range of Modification in a Loan is at the Bank’s Discretion

Interviewer: Is there a typical range for it to be modified to?
James Logan: I’ve seen this all over the place. Sometimes, they’ll put the back payments on the end, sometimes they’ll wrap them up into a new loan and amortize it or pay it off over 40 years. I’ve seen some equity sharing deals, where if you sell the house within 5 years, you have to give 25 or 50 per cent of whatever profit you make to the bank. If you sell it in 10 years, it goes down to 25 per cent. Again, the banks have a flexibility to do what they want but they also have the flexibility to do nothing, so it’s kind of going hat in hand to the bank and begging and, whatever they offer is what they offer.

In Banks Performing Loans are those that Have Been Paid on Time as Agreed and a Non-Performing is a Loan that’s Not Being Paid

Interviewer: Are you able to comment on any specific lenders you’ve dealt with, are they either good or bad?
James Logan: Ocwen is definitely the best. Their whole business strategy is they bought these loans from other lenders at discount and they want to restructure them and make them into performing loans. In banking world, loans are performing and non-performing. Performing loan is one that’s been paid on time as agreed and a non-performing is a loan that’s not being paid. Banks with too many non-performing loans, they get visits from the government who will shut them down. So banks don’t like any non-performing loans. But what Ocwen does is buy these non-performing loans from other banks and then tries to turn them into performing loans. So, Ocwen is one bank that stands out to. If you have Ocwen as your servicer or a lender, you’ve got a very good chance of getting a loan modification.

People Relate Horror Stories Regarding their Experiences With Bank of America

In Bank of America, the people are just coming with horror stories about dealing with Bank of America. A lot of this is because Bank of America took over Countrywide and Countrywide, you may or may not remember, was one of the biggest lenders of subprime loans. All the crazy loans that were being made and Bank of America ended up with the huge mess. They’re just kind of overwhelmed and buried in all these Countrywide loans. Because they bought Countrywide, they’re struck with them and they’re trying to work their way through it. People tell me the horror stories about dealing with Bank of America.