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Intake: www.mvlslaw.org (anytime) or call (410) 547-6537 or (800)510-0050 Monday to Thursday from 9 a.m. to 12 p.m.
KNOW YOUR DEBT COLLECTION RIGHTS
Debt collectors cannot:
Call you before 8 am or after 9 pm
Use profanity, threaten violence, or harass you to pay
Pretend to be someone they're not
Ask you to pay a debt that does not exist
Threaten you with arrest or deportation
Tell anyone, except your spouse or attorney, about the debt
If a debt collector is doing any of these things, call the Federal
Trade Commission (877-FTC-HELP) and the MD Attorney
General (410-528-8662) to file a complaint.
TAXPAYERS SHOULD REVIEW TAXES
The IRS is encouraging taxpayers to check on their tax withholding.
This can help taxpayers avoid too much or too little federal income tax
taken from their paychecks.
Having the correct amount taken out helps to move taxpayers closer to
a zero balance. This way, at the end of the year when you file for your
tax return, you won’t owe taxes back.
LOOKING FOR LEGAL ADVICE
ABOUT FORECLOSURE?
At these events, attorneys provide FREE
legal consultations for homeowners
facing foreclosure. Attorneys can answer
your questions about foreclosure
mediation and help you understand any
court papers or documents you have
received about the foreclosure. These
attorneys will NOT attend mediation
with you, but there are other options
to obtain legal representation for your
mediation.
September 6 or October 4 10 am—1 pm
Circuit Court for Charles County Law Library 200 Charles Street La Plata, MD 20646
September 20 11 am—1 pm
Circuit Court for Anne Arundel Law Library 8 Church Circle
Annapolis, MD 21401
September 27 3 pm— 6 pm MVLS Office
201 N. Charles St, #1400 Baltimore, MD 21201
NEED HELP NOW?
The Foreclosure Brief Advice Helpline is open Mondays 1:30-6pm and
Wednesdays 8am-12:30pm. Call 443-808-0076.
HAVING TROUBLE WITH UTILITY BILLS?
MVLS is teaming up with the Pro Bono Resource Center (PBRC) to offer free le-
gal advice about gas, electric, or water bills. This free clinic is open to Baltimore
residents ages 60 and over. Attendees should bring copies of their bills, letters
or notices from utility companies or the court, and proof of income.
To sign up, contact PBRC at 443-703-3052.
September 21 | 12 pm—3 pm
Enoch Pratt Library | 6310 Reisterstown Rd, Baltimore, MD 21215
Intake: www.mvlslaw.org (anytime) or call (410) 547-6537 or (800)510-0050 Monday to Thursday from 9 a.m. to 12 p.m.
MORE INFORMATION
GET YOUR CRIMINAL
RECORD EXPUNGED
Meet with a lawyer to identify and expunge
criminal charges. With the exception of
military and federal jobs, once a criminal
record is expunged, you can legally
answer “no” to the question:
“Have you ever been charged with or con-
victed of a crime?”
September 15
2—5 pm
Bon Secours Community Works
26 N. Fulton Avenue, Baltimore, MD
21223
¡SE HABLA ESPAÑOL!
MVLS ha traducido nuestras grabaciones
telefónicas, y todos las cartas y las
aplicaciones al español. Usamos un
servicio de interpretación telefónica para
comunicar con los clientes de todos
idiomas. Ahora es fácil buscar ayuda legal
voluntario en su propio idioma. Para más
información en español sobre nuestros
servicios, visite: www.mvlslaw.org/en-
espanol.
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Have you received a letter from the IRS or
the state about an income tax issue?
Getting a letter from the IRS is scary.
Let us help. Call MVLS at 410 547 6537.
NEW RESOURCES ON REVERSE MORTGAGES The Consumer Financial Protection Bureau (CFPB) has released new resources
about reverse mortgages. These resources can help homeowners decide if
borrowing a reverse mortgage is the right fit.
Many MVLS clients fall behind on their property tax payments. The reverse mort-
gage lender pays their taxes and adds their fees on top of the missed payments,
which can easily trigger the foreclosure process.
To learn more about the pros and cons of reverse mortgages, visit
CFPB’s website:
https://www.consumerfinance.gov/about-us/blog/things-consider-borrowing
-reverse-mortgage-delay-collecting-social-security/
NEW CHANGES TO EXPUNGEMENT LAW On October 1st, the Justice Reinvestment Act (JRA) will go into effect. Normally,
most convictions cannot be expunged. The JRA allows for more convictions to be
expunged. The biggest of the convictions that will become eligible are:
Second Degree Assault
CDS Possession
Theft
Trespassing
The limitations for expungement under the JRA include a 10 year waiting period, from the end of any sentence or probation. Additionally, there can be no subse-quent convictions during those 10 years that are not themselves eligible for ex-
pungement.
The full list of convictions now eligible for expungement can be found online: https://mvlslaw.org/new-expungeable-convictions/
IN A RUSH? GET QUICK LEGAL ADVICE NOW
8:30 am — - 8 pm
Call 410.260.1392 or chat online:
http://www.mdcourts.gov/selfhelp/mcshc.html