MICPEL, The
Pro Bono Resource Center of Maryland, Civil Justice Inc., and
The Maryland State Bar Association Sections of Delivery of Legal Services,
Litigation,
Real Property, Planning & Zoning, and Consumer Bankruptcy
in cooperation with
The University of Baltimore School of Law & The University of Maryland School of
Law
present:
SCHOLARSHIPS AND
REDUCED FEE REGISTRATIONS ARE AVAILABLE
THROUGH THE PRO BONO RESOURCE CENTER OF MARYLAND
Click
here for a printable order form
Please fill out the form completely and fax it to MICPEL at 410.659.0647.
4.0 CLE Hours
07/10/08:
This program is filled to capacity. At-door registrations will not be accepted
on 07/10/08. Please consider registering for one of the video replay
presentations of the Baltimore program at MICPEL's office on 09/18/08 or
09/25/08. You are also invited to attend one of the two upcoming live
presentations of this same program: on 07/23/08 in Rockville, and on 08/14/08 in
Salisbury.
THURSDAY, JULY 10, 2008
9:00 a.m. – 1:30 p.m.
University of Maryland School of Law, Room 107
500 W. Baltimore Street, Baltimore
07/23/08: This program is
filled to capacity. At-door registrations will not be accepted on 07/23/08.
Please consider registering for one of the video replay presentations of the
Baltimore program at MICPEL's office on 09/18/08 or 09/25/08. You are also
invited to attend the upcoming live presentation of this same program on
08/14/08 in Salisbury.
WEDNESDAY, JULY 23, 2008
9:00 a.m. – 1:30 p.m.
University of Maryland Shady Grove, Building I Auditorium
9640 Gudelsky Drive, Rockville
THURSDAY, AUGUST 14, 2008
9:00 a.m. – 1:30 p.m.
Ramada Inn and Conference Center
300 S. Salisbury Boulevard, Salisbury
FACULTY AND PLANNING COMMITTEE
Stephen D. Ball, Esq.
Mitchellville
Scott C.I. Borison, Esq.
Legg Law Firm LLC
Frederick
Diane Cipollone, Esq.
Director, Sustainable Homeownership Project
Civil Justice Inc.
Baltimore
Sharon E. Goldsmith, Esq.
Program Co-Chair
Executive Director
Pro Bono Resource Center of Maryland
Baltimore
Alexander Gordon, IV, Esq.
Easton
Phillip R. Robinson, Esq.
Program Co-Chair
Executive Director
Civil Justice, Inc.
Baltimore
Vicki H. Schultz, Esq.
Senior Advisor for Consumer Protection
Office of the Secretary
Maryland Department of Labor,
Licensing & Regulation
Baltimore
WHY YOU SHOULD ATTEND
Every source of data
available indicates that the tsunami of foreclosures in Maryland and around the
country will continue to increase in the next months and years. Ten thousand new
cases in Maryland will be filed in just the coming weeks alone.
In the first quarter of 2008 foreclosure filings more than doubled in the United
States, with almost 650,000 properties in some stage of foreclosure, or 1 in
every 194 households (according to RealtyTrac, Inc.) This national figure is
112% above the figure for the first quarter of 2007. Payments continued to rise
for subprime adjustable mortgages and home prices continued to fall, leaving
property owners unable pay their mortgages and unable to sell or refinance their
homes. To add to the distressing situation, the median U.S. home price is likely
to drop a record 5.8% this year, according to Fannie Mae, and sales of existing
homes will plunge to an 11-year low.
In Maryland, emergency legislation to help homeowners in foreclosure took effect
on April 4, 2008, but not before first quarter statistics confirmed the
deepening foreclosure crisis, as more than 11,000 homes were foreclosed on in
the first part of the year. Now, roughly 1 in every 200 homes in Maryland is in
some stage of foreclosure proceedings. While most of the foreclosures were
initially concentrated in and around Baltimore City, the trend has expanded to
Prince George’s, Montgomery and Baltimore Counties. Even in more rural counties
such as Kent, Garrett and Somerset, foreclosure events nearly tripled in the
fourth quarter of 2007. There is no part of the state of Maryland that has not
been adversely affected by the negative consequences of foreclosure.
WHAT YOU WILL LEARN
This program will provide an
overview of the new foreclosure law and practical, focused advice on how to
effectively defend homeowners in foreclosure and how to assist homeowners in
transitioning from a home they can no longer afford.
Maryland’s new emergency legislation has modified the foreclosure process to
provide new protections to homeowners. The Real Property – Recordation of
Instruments Securing Mortgage Loans and Foreclosure of Mortgages and Deeds of
Trust on Residential Property bill lengthens the foreclosure process from as
little as 15 days to approximately 150 days, giving homeowners a reasonable
opportunity to cure a default and more notice before a foreclosure sale may
occur.
In addition to learning about the legal defenses, procedural safeguards, new
notice requirements and extended timetables under the law, you will hear how to
spot and raise noncompliance issues under federal and state laws. You will hear
about pending litigation to determine the validity of transactions involving
questionable bona fide purchasers and bona fide lenders, as well as the ins and
outs of the “Ohio standing defense.”
Experienced, knowledgeable consumer advocates will give you practical strategies
and tools for thousands of Maryland clients who need legal assistance in the
coming weeks, months, and years. You will hear how to effectively negotiate on
behalf of borrowers for loss mitigation via workout, repayment plan, or loan
modifications. You will also learn how your practice can do good to preserve
sustainable homeownership while doing well.
AGENDA
8:00 – 9:00 a.m. Registration
9:00 – 9:05 a.m. Welcome, Introductions & Overview
Sharon E. Goldsmith, Esq.
Phillip R. Robinson, Esq.
9:05 – 10:05 a.m. Loss Mitigation: Practical Strategies and Tools
n
Effective Negotiations for Borrowers via Workout/Repayment Plan, Loan
Modifications, etc.;
n
Navigating in the Real World of the Mortgage Service Industry and Consumer
Assistance/Advocacy Agencies
& Regulators That Can Assist Borrowers in Distress
Diane Cipollone, Esq.
Vicki H. Schultz, Esq.
10:05 - 10:30 a.m. The New Emergency Foreclosure Law:Its Historical Context and
Its Immediate Impact;
Reconciling Maryland Rules and New Statutes
Alexander Gordon, IV, Esq.
10:30 – 11:00 a.m. An Overview of the New Maryland Law & Legislative Intent:
SB 216/HB 365 – Foreclosure Process Law & Foreclosure Trends
Vicki H. Schultz, Esq.
11:00 – 11:15 a.m. Break
11:15 a.m. – 12:15 p.m. Legal Defenses, Issue Spotting
n
TILA
n
RESPA
n
Unclean Hands
n
State Statutes & Regulations
n
Standing
n
PHIFA
Phillip R. Robinson, Esq.
Scott C.I. Borison, Esq.
Alexander Gordon, IV, Esq.
12:15 – 1:15 p.m. Foreclosure Defense Exercises
n
Pre-Litigation Practice Tips
n
Injunctions
n
Counterclaims & Third-Party Claims
n
Jury Demands
n
Exceptions
n
Bankruptcy
Stephen D. Ball, Esq.
Scott C.I. Borison, Esq.
1:15 – 1:30 p.m. Leveraging Pro Bono into Attorney Fee Awards:
Doing Well While Doing Good in Foreclosure Defense
Phillip R. Robinson, Esq.
1:30 p.m. Adjourn
SCHOLARSHIPS AND REDUCED FEE REGISTRATIONS
ARE AVAILABLE
THROUGH THE PRO BONO RESOURCE CENTER OF MARYLAND
MICPEL, Civil Justice Inc., and PBRC of
Maryland have joined forces to provide a number of free scholarships and reduced
fee registrations (awarded on a first-come, first-served basis) for volunteers
who will agree to provide foreclosure defense representation and advice through
PBRC and Civil Justice sponsored programs and activities.
For example, participating attorneys will be asked and expected to: volunteer at
a Foreclosure Solutions Workshop for homeowners in distress; negotiate with the
loan servicer on behalf of the homeowner to renegotiate loss mitigation or the
borrower’s reinstatement; and/or represent a homeowner in defense to a
foreclosure action.
Requests for free scholarships and reduced fee registrations must be made
through Jon Moseley at PBRC of Maryland (1-800-396-1274 or 410-837-9379 or
jmoseley@probonomd.org) at least one week prior to the program.
Tuition
MSBA Sponsoring Section Members $129
MSBA Members $149
All Others $179
MICPEL Flex/Select Pass Holders $0
Video Replay $129
PA MCLE Credit Fee ($2/hour) $8
Video Replays
9:00 a.m. - 1:30 p.m. for both locations
September 18, 2008;
Baltimore
*This VIDEO
REPLAY
is filled to capacity. No more registrations will be accepted. You may
still register for one of our other Video Replays scheduled for
September 25th in Baltimore, or November 14th or November 21st in
Rockville.
September 25, 2008;
Baltimore
November 14, 2008;
Rockville
November 21, 2008;
Rockville
Unable to Attend?
Materials, Audio Tapes, CDs and DVDs are available for shipment within thirty
(30) days after the course date.
o Materials $80.64* (Inv. #3158-08)
o Audio Tapes and Materials $154.84* (Inv. #3159-08)
o CDs and Materials $154.84* (Inv. #3160-08)
o DVDs and Materials $197.24* (Inv. #3161-08)
*Price includes 6% sales tax and $7.50 shipping
Click
here for a printable order form
Please fill out the form completely and fax it to MICPEL at 410.659.0647.