When you need counsel, count on the experience and professionalism of the litigation attorneys at Adams Morris & Sessing.  We believe that practical litigation skills and strategic thinking are the keys to success in every case.  We are prepared to litigate in all substantive areas of law.  Let our attorneys fight on your behalf. 

To discuss your options with an Attorney at Adams, Morris & Sessing, please contact us for more information.

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. To discuss your options with an Attorney at Adams, Morris & Sessing, please contact us for more information.

A Short Sale, also referred to as a pre-foreclosure sale, involves the selling of a home for a price that will not repay the remaining balance on the mortgage. It is up to the mortgage lender to approve a short sale and agree that they will accept all of the proceeds from the sale to release their mortgage and lien and either forgive the difference or reserve the right to pursue the deficiency which is the difference between what they received and what was owed. There are many factors that the lender considers when reviewing a request for a short sale and they are under no obligation to issue approval.

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.

• Information for Homeowners
• Information for Agents

To discuss your options with an Attorney at Adams, Morris & Sessing, please contact us for more information.

If a property is worth less than the balance owed to the lender, and the homeowner is facing foreclosure, there are still options. A Deed-in-Lieu is a foreclosure alternative where the homeowner transfers ownership of the property back to the lender in exchange for a release from further liability for the mortgage. Applying for a Deed-In Lieu will allow a homeowner to transition out of the home without going through the foreclosure process and in some cases, qualify for relocation assistance.

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.

To discuss your options with an Attorney at Adams, Morris & Sessing, please contact us for more information.

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.

To discuss your options with an Attorney at Adams, Morris & Sessing, please contact us for more information.

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.
• We offer a flat rate document review package for properties that are in foreclosure. The review will include all documents mailed to the homeowner and/or filed in court (to be provided by the homeowner) and a preliminary analysis of where the property is in the foreclosure timeline and what alternatives are available. You must open all mail that is sent from the mail or the court to keep on top of the process – avoiding the communications will only hurt you in the long run. Let one of our attorneys review the documents you have received and discuss foreclosure alternatives.
• We offer representation for mediation as an unbundled service as part of our cost-effective foreclosure defense legal services

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.

The family law attorneys at Adams, Morris & Sessing work to ease the stress of your divorce, separation or child support case. Through our expertise and ability to navigate through the complexities of family court, our family attorneys inspire confidence in our clients when they need it most.

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.

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.

Wills

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

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.

Estates

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.

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.

To discuss your options with an Attorney at Adams, Morris & Sessing, please contact us for more information.

Coming soon!

Bankruptcy is not the only option if you are carrying significant debt and struggling to keep up with payments. Negotiating a settlement with your creditor(s) may be a better alternative if it is appropriate based on your circumstances. Our attorneys can analyze your personal financial situation and provide you with practical legal advice on your best options to get out of debt. The Debt Settlement Attorneys at Adams Morris & Sessing have negotiation skills developed over many years of practical experience and knowledge of the debt collection process. If debt settlement is not the right option for you, we will discuss alternatives and help you determine the best course of action based on your unique situation. There is no “one size fits all” approach to debt settlement with our firm. We can handle the entire negotiation until settlement or perform specific tasks related to the negotiation such as a letter to the creditor or drafting the settlement proposal as an unbundled and more affordable option.

Do not be fooled by advertisements for debt settlement companies who claim to settle for pennies on the dollar.

What a debt settlement company won’t tell you:

1. Your debt grows while you are saving the money to make a settlement offer
2. Your credit will take a major hit when your creditors report your missed payments
3. Your creditor is under no obligation to accept a settlement offer and may still initiate and pursue their legal options for collections
4. Debt settlement companies will charge you a monthly fee and a percentage of what they save you

If you are struggling and need help, please contact Adams Morris & Sessing.

The emotional and physical distress that is caused by tax debt is like no other. Unlike other creditors, the IRS can quickly and easily garnish wages, levy and lien your property, put a hold on your driver’s license and/or passport and more. Whether you have not filed taxes, filed without making payments or owe for prior years, the Attorneys at Adams Morris & Sessing can help. If you cannot pay your tax debt or if doing so will create a financial hardship, our attorneys can review with you the various tax relief options that the IRS and/or state taxing authority offer and determine the best way out from under your tax debt and penalties. Our tax attorneys provide clients with exceptional legal representation for a wide variety of tax issues including:

• Back Tax Settlement
• Release of Liens and Levies
• Offer in Compromise
• Unfiled Tax Returns
• Partial Pay Installment Agreement
• Penalty Abatement
• Interest Abatement
• Currently Not Collectable status
• State Tax Full Penalty and ½ interest abatement
• Audit Representation

You should be skeptical of any company that claims that they can reduce or even eliminate your tax debt before they have completed a thorough financial review of your specific situation. The truth is that most taxpayers don’t qualify for the programs these companies hawk and taxpayers lose hundreds of thousands of dollars in upfront fees to tax relief companies every year. If you owe back taxes, have not filed your tax returns or are unsure about your status with the IRS or State, contact us to determine what tax relief option might be right for your unique situation. 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. We can also provide representation for IRS tax matters in all 50 states.

To discuss your options with an Attorney at Adams, Morris & Sessing, please contact us for more information.

If you have defaulted on your student loans, there is a chance you can settle your student loan debt for less than you owe. If you have a private loan, it is more likely that you will be able to settle your defaulted loan than if you have a federal student loan. Our attorneys can provide advice on repayment plans, forgiveness programs and dispute resolution after a complete financial review to determine the best solution for your circumstances.

We can complete a case evaluation to review your documents and provide a roadmap for your options to move forward for a flat fee of $300.  If you decide that you need additional assistance, the $300 fee will be applied toward your selected service.  With a better understanding on the type of loan you have and what options are available, you will be able to make better decisions on how to best resolve any delinquencies or settle outstanding debt.

The first step is to determine which type of student loan you have. The Department of Education maintains a database for all federal student aid loans.  If you haven’t already set-up an online account, please go here: https://nslds.ed.gov/npas/index.htm.  The majority of below options apply to federal loans.  If you have a private student loan, there are still options, but we would need to review your specific situation to determine the best solution.

Your next step is to determine if you fall within any category for loan cancellation or forgiveness.  Some examples of cancellation include Disability, Official School Closure, Unauthorized Payment and Unpaid Refunds.  Loan Forgiveness includes Public Service, Teachers, and 9/11 Relatives.

If you are unable to receive a loan cancellation, you will need to review your options for curing a default either by settling your loan or working out an alternative.

Ways to Cure a Default:

• Consolidation
• Repayment Plan
• Income Based Repayment Plan
• Income-Driven Repayment Plan
• Income Contingent Repayment
• Loan Rehabilitation Program
• Deferment / Forbearance

If you want to discuss your student loan debt options with an attorney at Adams Morris & Sessing, please contact us for more information.