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  • KBC Law Day: Foreclosure Prevention & Mediation

    THE KELSEY LAW FIRM/KELSEY REALTY, INC.

    3034 MITCHELLVILLE ROAD

    BOWIE, MD 20716

    (301) 390-9080 (FAX)

  • Ms. Kelsey is a 2015 BV Peer Review Rated attorney, having received

    recognition for her very high standards in legal ability and ethics. Ms.

    Kelsey obtained her undergraduate degree at the University of Maryland

    University College, where she graduated magna cum laude in 1988.

    Thereafter, she obtained her J.D. at Georgetown University Law Center

    in 1992 and was later admitted to practice law in Maryland, District of

    Columbia, Federal and Supreme Courts.

    For more than 20 years, she has practiced general civil law, including bankruptcy, collections, estate planning and

    administration, guardianship, workers’ compensation and personal injury matters. She is also sole counsel to the

    Prince George’s County Department of Social Services Child Abuse and Neglect Appeals Division.

    Ms. Kelsey also holds a Real Estate Broker license and as an adjunct professor, she has taught real estate

    transactions, ethics, legal research and writing and bankruptcy in addition to assisting with the re-write of course

    modules following the major bankruptcy reform in 2005.

    Ms. Kelsey is committed to upholding the standards of the legal profession and has participated as a panel attorney

    for both the Maryland Judicial Nominating Committee (2007-2015) and as a Peer Review Attorney for the Attorney

    Grievance Commission (2003-2015). Ms. Kelsey also regularly assists the public by volunteering in court

    Alternative Dispute Resolution and local church pro bono events.

    The Kelsey Law Firm | 3034 Mitchellville Road |Bowie, MD 20716 |Phone: (301) 390-9060 | Website: www.kelseylaw.net Facebook: www.facebook.com/TheKelseyLawFirm | Instagram: @TheKelseyLawFirm | Twitter: @KelseyLawFirm

    http://www.kelseylaw.net/ https://twitter.com/KelseyLawFirm https://twitter.com/KelseyLawFirm https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 http://web.stagram.com/n/thekelseylawfirm/ http://web.stagram.com/n/thekelseylawfirm/

  • Fallen Behind on Your Mortgage?

    In-Home Options:

     Forbearance

     Modify Loan

     Refinance & Payoff

     Rent Back then Repurchase

    Out of Home Options:

     Short Sale

     Deed in Lieu

     Cash for Keys

    The Kelsey Law Firm | 3034 Mitchellville Road |Bowie, MD 20716 |Phone: (301) 390-9060 | Website: www.kelseylaw.net Facebook: www.facebook.com/TheKelseyLawFirm | Instagram: @TheKelseyLawFirm | Twitter: @KelseyLawFirm

    http://www.kelseylaw.net/ https://twitter.com/KelseyLawFirm https://twitter.com/KelseyLawFirm https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 http://web.stagram.com/n/thekelseylawfirm/ http://web.stagram.com/n/thekelseylawfirm/

  • When Trouble Begins: Mortgage Default

    :

     Default due to Non-Payment

     Payments Due on the 1st, 15 day Grace Period, but Default by the 2nd

     Acceleration Clause

     About suspense accounts

     Refusal & Return of Payments

    Now is the time to read the mail!!!

    The Kelsey Law Firm | 3034 Mitchellville Road |Bowie, MD 20716 |Phone: (301) 390-9060 | Website: www.kelseylaw.net Facebook: www.facebook.com/TheKelseyLawFirm | Instagram: @TheKelseyLawFirm | Twitter: @KelseyLawFirm

    http://www.kelseylaw.net/ https://twitter.com/KelseyLawFirm https://twitter.com/KelseyLawFirm https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 http://web.stagram.com/n/thekelseylawfirm/ http://web.stagram.com/n/thekelseylawfirm/

  • :

    The Kelsey Law Firm | 3034 Mitchellville Road |Bowie, MD 20716 |Phone: (301) 390-9060 | Website: www.kelseylaw.net Facebook: www.facebook.com/TheKelseyLawFirm | Instagram: @TheKelseyLawFirm | Twitter: @KelseyLawFirm

    The Warning Phase: Pre-Foreclosure Actions

    NOTICE OF INTENT TO FORECLOSE

     Official Notice of Default

     Information on Where to Get Help

     Details of Default

     Specific Amount

     Contact Information

     Notice of Date to Cure

    http://www.kelseylaw.net/ https://twitter.com/KelseyLawFirm https://twitter.com/KelseyLawFirm https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 http://web.stagram.com/n/thekelseylawfirm/ http://web.stagram.com/n/thekelseylawfirm/

  • The Kelsey Law Firm | 3034 Mitchellville Road |Bowie, MD 20716 |Phone: (301) 390-9060 | Website: www.kelseylaw.net Facebook: www.facebook.com/TheKelseyLawFirm | Instagram: @TheKelseyLawFirm | Twitter: @KelseyLawFirm

    Notice of Impending Foreclosure Action

     Required Foreclosure Mediation

    Instructions

     Required Foreclosure Mediation

    Application

     Preliminary Loss Mitigation

    Affidavit

     Final Loss Mitigation Affidavit

    (Be Careful: Actual Service is NOT always necessary!!!)

    http://www.kelseylaw.net/ https://twitter.com/KelseyLawFirm https://twitter.com/KelseyLawFirm https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 http://web.stagram.com/n/thekelseylawfirm/ http://web.stagram.com/n/thekelseylawfirm/

  • The Kelsey Law Firm | 3034 Mitchellville Road |Bowie, MD 20716 |Phone: (301) 390-9060 | Website: www.kelseylaw.net Facebook: www.facebook.com/TheKelseyLawFirm | Instagram: @TheKelseyLawFirm | Twitter: @KelseyLawFirm

    First line of Formal Defense: Maryland Mediation Process

    Q1: What should I expect to receive from my lender

    under this new law?

    Q2: What does Maryland’s new foreclosure timeline

    mean for me?

    Q3: How can I participate in mediation?

    Q4: How do I request mediation?

    Q5: Which cases are eligible for mediation after the

    new Foreclosure Mediation Law takes effect on July 1,

    2010?

    Q6: If I request mediation, is it automatic?

    Q7: Where do I send my request for mediation?

    Q8: How much will it cost to participate in the session?

    Q9: How should I prepare for mediation?

    Q10: Who can I bring with me to mediation?

    Q11: How will the mediation process work?

    Q12: Who conducts the mediation and where does it

    take place?

    Q13: What role does the mediator have in trying to

    resolve the disagreement?

    Q14: What happens when we reach an agreement at

    mediation?

    Q15: Can the lender use discussions held and offers

    made at the mediation in future proceedings?

    Q17: What if I need to postpone the scheduled

    mediation?

    Q18: What is a Notice of Intent to Foreclose (NOI)?

    Q19: What is Loss Mitigation?

    Q20: You have not answered all of my questions. Where

    do I go for help?

    Q21: Where can I find information about resources and

    programs to help me avoid foreclosure?

    Q22: Now that there is a mediation program, should I

    still contact a housing counselor for help?

    Frequently Asked Questions

    http://www.kelseylaw.net/ https://twitter.com/KelseyLawFirm https://twitter.com/KelseyLawFirm https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 http://web.stagram.com/n/thekelseylawfirm/ http://web.stagram.com/n/thekelseylawfirm/

  • The Kelsey Law Firm | 3034 Mitchellville Road |Bowie, MD 20716 |Phone: (301) 390-9060 | Website: www.kelseylaw.net Facebook: www.facebook.com/TheKelseyLawFirm | Instagram: @TheKelseyLawFirm | Twitter: @KelseyLawFirm

    First line of Formal Defense: Maryland Mediation Process

    SOURCE: http://www.dhcd.state.md.us/website/

    documents/guidlines_rosa_only.pdf

    SOURCE: http://mdhope.dhcd.maryland.gov/fore

    closuremediation/pages/default.aspx

    For More Information:

    http://www.kelseylaw.net/ https://twitter.com/KelseyLawFirm https://twitter.com/KelseyLawFirm https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 http://web.stagram.com/n/thekelseylawfirm/ http://web.stagram.com/n/thekelseylawfirm/

  • The Kelsey Law Firm | 3034 Mitchellville Road |Bowie, MD 20716 |Phone: (301) 390-9060 | Website: www.kelseylaw.net Facebook: www.facebook.com/TheKelseyLawFirm | Instagram: @TheKelseyLawFirm | Twitter: @KelseyLawFirm

    Maryland Foreclosures: The Timeline

    SOURCE: https://www.dllr.state.md.us/finance/consumers/frforetimeline.pdf

    http://www.kelseylaw.net/ https://twitter.com/KelseyLawFirm https://twitter.com/KelseyLawFirm https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 https://www.facebook.com/pages/The-Kelsey-Law-Firm/153003038183119 http://web.stagram.com/n/thekelseylawfirm/ http://web.stagram.com/n/thekelseylawfirm/

  • The Kelsey Law Firm | 3034 Mitchellville Road |Bowie, MD 20716 |Phone: (301) 390-9060 | Website: www.kelseylaw.net Facebook: www.facebook.com/TheKelseyLawFirm | Instagram: @TheKelseyLawFirm |Twitter: @KelseyLawFirm

    The Loan Modifications Proc

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