Family Law Attorneys
Wills, Trusts & Estates
Many Americans experiencing financial hardships do not know where to turn for debt relief. The persistent, overbearing and paralyzing nature of debt places an immense pressure on anyone under financial strain. If your financial problems are spiraling out of control–if you are facing foreclosure and want to save your home, bankruptcy can help.
For many individuals, bankruptcy has an embarrassing stigma attached to it. The truth is, life is complicated and things can get out of hand. The unfortunate reality is that, bad things sometimes happen to good people. Filing for bankruptcy allows you to sort out debts and get a fresh start.
The bankruptcy attorneys at Adams, Morris & Sessing can help relieve your financial hardships by guiding you through the bankruptcy process. Whether you are seeking bankruptcy assistance for your personal finances or for your business, our bankruptcy attorneys have years of experience in filing for Chapter 7, Chapter 11 and Chapter 13 bankruptcy.
You do not have to live your life buried by debt. Lift the weight of debt off your shoulders by consulting with a bankruptcy attorney at Adams, Morris & Sessing. Our attorneys will help you through the process and set you on the path to financial freedom.
Negotiating a successful short sale is a lengthy, complex, and paperwork-intensive transaction. It involves more than just settling debt as the homeowner is often facing foreclosure at the same time that they are attempting to sell their home. The process can be overwhelming and it is a very emotional and stressful time for a homeowner. The Short Sale attorneys at Adams, Morris, and Sessing can guide you through the process, step by step from the listing through closing. Whether the property is your principal residence or an investment property, our attorneys have years of experience in negotiating short sales.
You have options – our attorneys can help you determine the right solution to your financial problems and work to achieve the best possible outcome.
Not all borrowers qualify for a Deed-in-Lieu and not all loans will offer them, but an attorney with the law firm of Adams Morris & Sessing can help explore all available options to avoid foreclosure and formulate an action plan that is best for each individual. Loss mitigation programs are not one size fits all so it is important to have an attorney review all communications from your lender and determine the best strategy based on your desired outcome.
A loan modification is a change to the original terms of your mortgage. Typically a homeowner is in default on their loan when seeking assistance with a loan modification or they owe more on their home than what it is currently worth. There are many reasons why a homeowner may need a modification on their mortgage, but ultimately the lender uses it as a way to make the monthly payment more affordable for the homeowner and remove any delinquent balance owed.
During your initial consultation we will be able to assess your eligibility and set realistic expectations for the type of modification that you might be offered. Lenders have no obligation to accept your request for a modification or negotiate any reduction in your principal balance. The attorneys at Adams Morris & Sessing have negotiated hundreds of loan modifications over the past 13 years and understand what the lenders are looking for to approve an application. Every lender and investor in the loan has their own standards when it comes to who qualifies for a modification and what types of modifications they offer. Our attorneys make the process easier and more successful.
Some of the ways a lender can reduce monthly payments.
- Capitalize arrearages
- Reduction of interest rates
- Loan Term extension
- Forbear a portion of the principal
- Convert from adjustable to fixed
If your loan is underwater or you are behind on your monthly payments, our attorneys are here to review your individual situation and devise a plan to lead you out of financial distress.
Foreclosure is the process your lender uses to take back the collateral (your property) that was used to borrow money. The lender must go through the process to enforce its right to force the sale of your property and there are required notices and timelines that must be followed. It is important to know how foreclosure work and what is required in your state so that you do not miss opportunities to stop the bank from proceeding.
Until a property has been sold at auction, and sometimes even after, a homeowner can stop a foreclosure. Just because the lender has initiated the foreclosure process does not mean that all other options are gone, but once you are on the foreclosure clock, you must stay in communication with your lender and act quickly to obtain representation. The attorneys at Adams Morris & Sessing can handle the foreclosure defense for your property which may consist of many different elements, depending on the specific facts and where you are in the foreclosure process.
- If you have received a foreclosure notice, we can help you determine where you are on the timeline, how long you have, and what options remain.
- If you have already received an auction date for your home there are still ways to stop the foreclosure from proceeding.
- If your home was already auctioned off at a foreclosure sale we can review the court record and determine if there are any defenses, but you must act fast as there are statutory deadlines that start from the date of the auction.
It is important that you contact us a soon as possible. There are actions that can be taken to stop the foreclosure process, but you must act quickly to obtain representation. We will prepare a customized, cost-effective defense strategy to meet your goals.
Family Law Attorneys
Whatever the situation may be, at Adams, Morris & Sessing our goal is to protect the rights of you and your family. Our family law attorneys fight for resolutions that provide the closure you need to move forward with your life.
We work with you to develop a cost effective strategy to meet your goals. Flexible payment plans, flat rate services, limited appearance services, and reduced hourly fee services may be available to you. Contact our attorneys to discuss your options.
Wills, Trusts & Estates
Estate planning helps individuals find peace of mind knowing their family’s long-term financial well being and security is taken care of. At Adams Morris & Sessing attorneys work with families throughout the region to prepare wills, trusts and estate plans.
A will is essential for all individuals to obtain and maintain during all stages of his or her life. In the most basic form, a will provides the opportunity to honor your wishes for a number of decisions upon your death. For instance, if you intend to distribute property or assets to a person other than a blood relative, having a will in place will assure this. Without a will, the court will take control over a number of decisions, including how your property will be distributed and who will care for your children.
Trusts can be used as tools for individuals to avoid probate costs, death taxes and provide a set of limitations on his or her children’s accessibility to money. Our attorneys are experienced estate planners and can assist you by establishing a trust that is right for your family.
If you need help getting either your estate or someone else’s estate in order, contact Adams, Morris & Sessing. Failure to do so can cause problems for children and beneficiaries. Our attorneys will help you make the proper plans for your family.
Real Estate Attorneys
The real estate attorneys at Adam, Morris & Sessing provide a wide spectrum of commercial and residential real estate legal services to buyers, sellers and property owners throughout Maryland and the District of Columbia. Equipped with the experience and knowledge base to provide clients with exceptional service, our real estate attorneys serve clients in a variety of areas, including:
- Lien Negotiation
- 2nd Loan Settlement Negotiation
- Title Disputes
- Foreclosure defense
- HOA/Condominium association representation
- Deficiency/Judgment Settlements
- Contract Disputes
- Disclosure / non-Disclosure Issues
- Post-foreclosure Representation
Whatever your real estate needs may be, we are here to protect your rights and investments and attain the best possible results. Place your trust in our experience, skills and success as we guide your case through the litigation process.
Other Practice Areas
The tax attorneys at Adams, Morris & Sessing provide legal assistance to individuals and businesses throughout Maryland and the District of Columbia with their tax matters. No matter the complexity of the situation, our tax attorneys have the expertise and knowledge base to guide you to tax relief. Our tax attorneys provide clients with exceptional legal representation for a wide variety of tax issues, including:
- Prior Year Tax Preparation: Our tax attorneys can help you file late tax returns.
- Lien Discharges or Subordination: We can help get a lien lifted from your personal property.
- Offers in Compromise: Settle your tax debt and pay less than you owe.