How this Advocate jumped in to help St. Ambrose and never looked back

“When I was a law student looking for a summer job that didn’t involve standing in a file room or making copies for 10 hours a day, I came across the opportunity to apply for a public interest grant and St. Ambrose was one of the eligible sponsors. Vinnie Quayle was the contact so I reached out and we met for a few hours in his office one spring afternoon sharing war stories. Prior to that encounter, I had never stopped to think about how much depends on safe, stable and affordable housing; from children’s performance in schools to job stability, mental and physical health, safety and future financial security. St. Ambrose had just filed a lawsuit against a predatory lender preying on vulnerable minority communities in Baltimore at the time of our meeting. The stories of abusive lending practices were heart wrenching and infuriating. They were short staffed and up against large law firms on the defense side so I jumped in to help and really never looked back.

During my tenure as a law student and then attorney at St. Ambrose, there was a guiding statement featured prominently in the halls and in many individual offices that read: The temple stands unfinished until all are housed in dignity. This statement is a personification of the work accomplished from the rowhouse on 25th street and forever etched in my own conscience. For this perspective and for the freedom I had to grow and become a better person and lawyer, I will always be grateful and supportive. The work that is done and the lives impacted by the Agency deserve far more support than my nominal monthly donation. Giving a voice to those who are without and ensuring that the most vulnerable are housed in dignity has never been needed more in my lifetime than it is today and I hope others will give as generously as they can in support of this critical mission.

Every day at St. Ambrose, we help our families make themselves at home in strong, stable communities where they can develop relationships with neighbors and create stable home environments where their children are able to live, learn, and grow.

When people turn to St. Ambrose, your generosity ensures that we’re able to provide for them.  Whether it’s preparing someone to buy their first home, making it possible for an aging homeowner to continue to live in the neighborhood they know and love, or helping one generation care for the next, your support can help us change lives.

Monthly giving to St. Ambrose ensures that individuals and families have a pathway to secure, stable housing, which is critical today and every day. You can make sure the families and individuals that come to St. Ambrose have what they need to survive and thrive by mailing a check or by donating online. To become a monthly donor at St. Ambrose, please visit www.stambros.org/donate and select “Monthly” under Recurring Payment options.

Your generosity makes it possible for us to consistently provide the highest quality services to those who turn to us in times of need in order to ensure a brighter, better future for all.

“St. Ambrose staff works tirelessly to ensure that all persons are treated with dignity and integrity. They make sure that our neighbors are given their basic human rights and Constitutional processes when one illness, one death, one divorce or one job loss brings them to the brink of homelessness. I am very fortunate to have learned these principles at the very start of my legal career. I had never purchased a house, read the fine print of a credit card disclosure or car loan application. With all of the wisdom and arrogance of a 2nd year law student, I walked into my first client meeting in the row-house turned office on 25th street, expecting to impart great wisdom on my first client. Instead, I was the one that very quickly realized I had much to learn. I was mentored and supported by my St. Ambrose colleagues and Board Members from that day forward as I stumbled through many more client meetings, hearings and legislative sessions. I quickly learned that during down economic times, the voice of the most vulnerable amongst us is often the one first ignored and too quickly vilified. And I learned that it is up to all of us to stand up for those marginalized and fight for equality. St. Ambrose has never backed away from fighting for what is right and just and I am so grateful to have started my career on the right side of our evolving history.” – Anne Balcer

About Anne

I was born and raised in Northeast Baltimore in Mayfield. I lived in other parts of Baltimore City and County except for when I was in Virginia for my undergraduate degree and then ended up in Montgomery County, Maryland in 2013. I currently live in Kensington. My parents were children of Polish immigrants that landed in the Canton/Fells Point area of Baltimore City. My Mom went to the convent and my Dad to the seminary and both graduated but never took their respective vows. They met a few years later in a chemistry class at the University of Maryland where my Mom was studying pharmacy and my Dad medicine. My Mom passed away when I was young so it was up to my Dad to raise 3 girls on his own. I’m the youngest and he instilled in us a relentless work ethic and insistence on doing what is right even if it’s not popular. He came from very little and worked at Bethlehem Steel during the summer and a car garage during the school year to put himself through medical school. He remarried another Baltimore native, years later, and I was lucky enough to become the youngest of 6 total children, 4 are still in the Baltimore area. In terms of my immediate family today, I’m married to an incredibly supportive husband, Matt, a New Jersey native, and have two girls. Melli just turned 11 and is kind, compassionate and already a staunch advocate for social justice. Lucy is almost 2 and strong-willed (maybe a bit stubborn) and determined just like her older sister.

I’ve been fortunate to have the time and opportunity to coach my daughter Melli’s lacrosse team. It has been one of the most enjoyable and rewarding experiences to watch young girls develop confidence and teamwork that I know will help them navigate the difficulties of being a female in today’s world as they grow older. I also volunteer with local and national political campaigns. Having the right leaders in office and ensuring that our collective voices are heard through voting and demonstration is so critical to our future and that of my girls. Otherwise, my career as General Counsel for Congressional Bank, a community bank headquartered in Bethesda, Maryland, and my family keeps me pretty occupied but I do sneak in some yoga, running, gardening, reading and cooking when I have a few spare minutes.

Tenant’s Rights: COVID-19 Fact Sheet

COVID-19 Frequently Asked Questions and resources for renters.

If you or someone you know is currently dealing with a landlord who is imposing self-help eviction or is not adhering to the executive order, call St. Ambrose Housing Aid Center for free legal advice and landlord-tenant counseling: (410)-366-8550 ext. 209.

  1. What is the eviction moratorium?
    1. In response to the COVID-19 pandemic, Governor Larry Hogan has issued an emergency order (Executive Order 20-04-03-01), that prohibits Maryland courts from evicting tenants who can demonstrate they are suffering a financial loss due to COVID-19.
  2. What does this mean for tenants who are delinquent on their rent payments?
    1. A landlord can file for an eviction in court, however, because the Maryland court system is closed, the court system cannot process any open or recently filed eviction orders or cases. 
    2. Unfortunately, the eviction moratorium is a temporary fix and does not excuse tenants from paying rent. However, tenants who demonstrate their financial hardship can pay their rent at a later time.
  3. Examples of situations that demonstrate a tenant is suffering a financial loss due to COVID-19 (but not limited to):
    1. Diagnosed with or under investigation for COVID-19
    2. Lost or reduced unemployment benefits
    3. Needing to care for a school-aged child
  4. When will Maryland courts hear eviction cases?
    1. Even though the Governor’s office has not confirmed the end date for the eviction moratorium, the Maryland Courts will start to hear eviction, foreclosure, and “pay rent matters” on July 25th, 2020. Meaning, evictions can be issued once the courts open on July 25th, 2020. 
  5. What landlords cannot impose: self-help eviction
    1. Under the Maryland Code, Real Property, Section 8-216, landlords cannot use self-help methods to evict a tenant. Self-help eviction occurs when a landlord uses methods of intimidation to force the tenant to move out. These methods include: 
      • Cutting off utility services such as electricity, gas, water, sewage, phone, cable TV, and internet. 
      • Changing the locks so the tenant no longer has access to the property. 
      • Removing the tenant’s personal items from the property. 

Landlords CANNOT use methods of intimidation to evict a tenant. These methods include: Cutting off utility services such as electricity, gas, water, sewage, phone, cable TV, and internet, changing the locks, or removing the tenant’s personal items from the property. 

What renters can do:

  • If you were illegally evicted:
    • Call 911: 
    • File an emergency case:
      • “If you were illegally evicted, you may consider seeking legal assistance and filing a complaint in court against your landlord. Because the courts are only hearing emergency cases, the complaint should be filed as an emergency matter if you are trying to get back into the property.” Even though the court system is closed, the court has made an exception to hear emergency cases. 
      • During your time as an evicted tenant, you should keep track of all of the expenses you have accrued as a result of your illegal eviction. These expenses could include but are not limited to “hotel bills and lost property.”
    • Document communication with the landlord:
      • If you are experiencing COVID-19 related hardships that will affect your rent payments, you may consider writing a letter to your landlord. The letter would be part of a paper trail illustrating your situation and how your COVID-19 circumstance will affect your ability to pay rent. 
      • You may also consider keeping track of all of the communication between you and your landlord in regards to your COVID-19 circumstance. 
      • If the landlord agrees or disagrees to accommodate your financial situation, you should get that in writing.  
    • Call 211 for financial assistance:
      • If you are experiencing COVID-19 financial hardships, please call 211, text your zip code to 898-211 (service is only available to Maryland zip codes) or visit 211md.org for assistance. This service is available 24 hours a day, 7 days a week and in over 180 languages. 

Conclusion

Under Executive Order 20-04-03-01, even if a tenant is unable to pay the rent, the landlord cannot evict their tenant.  Therefore, if a landlord uses self-help eviction methods in response to a tenant being unable to pay their rent due to their COVID-19 related financial loss, the landlord violated the executive order and imposed an illegal eviction.

Note: Once the courts open, it is unclear how the courts will respond to these unprecedented situations.

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If you or someone you know is currently dealing with a landlord who is imposing self-help eviction or is not adhering to the executive order, call St. Ambrose Housing Aid Center for free legal advice and landlord-tenant counseling: (410)-366-8550 ext. 209.

 

Welcome New Legal Services Summer Intern!

We have a new addition to the St. Ambrose team! Please join us in welcoming Shereen Ibrahim as one of our new Legal Services Summer Interns.

“I am a student from the University of Baltimore School of Law. The legal fields I am interested in are environmental, constitutional and national security law.

I chose to clerk at St. Ambrose because I want to use my legal abilities to assist members of underserved communities navigate property decisions. As a law clerk, I will be assisting clients with their foreclosure process, review landlord and tenant issues, and prepare wills and deeds. Serving underprivileged communities is one of my ultimate goals as a attorney and being a law clerk at St. Ambrose is a great first step in my legal career.” -Shereen

Welcome to the team, Shereen!

Thinking about adding somebody to your deed? Here are a few things to think about.

The St. Ambrose Legal Services Department often receives calls from Marylanders who have been advised to add a relative’s name to the deed for their house. It is a common misconception that this is the only way to ensure that a house passes to a family member after the owner’s death. In fact, there are several more ways to ensure that your loved ones receive your home after you pass away.

At St. Ambrose, we help clients prepare three different documents that help secure clients’ property for the next generation. Take a look below for an explanation of these documents and their benefits and risks.

1. Will

The simplest way to ensure that your house transfers to your family members after you die is to write a will. The will specifies who is to receive your home after you pass away – it can be one person or multiple people.

Benefits: Writing a will is a quick, easy way to make your estate plans legally binding. Will appointments at St. Ambrose are free and they typically take less than an hour. Wills also cover other property like your physical possessions (cars, clothing, jewelry, etc.) and money in your bank accounts.

Drawbacks: After you pass away, somebody will have to open an estate on your behalf. An estate is the legal entity that represents a person who has passed away. Your family members may have to pay money to open your estate after you pass away. Additionally, if you die owing debt (credit card debt, medical debt, etc.), those creditors may file a claim into your estate. All claimed debts that are allowed by the Orphans’ Court must be settled before any assets, like your house, can be given to the person or people that you designated to receive them in your will.

2. Joint Tenancy Deed

You can also have a deed prepared where you add one or more people as “joint tenants with the right of survivorship.” This means that once the deed is filed, you become a co-owner of the property along with whoever else you have added.

Benefits: This ensures that whoever you have added to the deed remains an owner of the property after you have passed away. There is no need for anybody to open an estate for your co-owners to retain ownership of the property. If you pass away owing any debts, your creditors will not be able to place a new lien on your property after you die.

Drawbacks: You lose a certain amount of control over your property by filing this kind of deed. If you want to sell the property and a co-owner does not agree, you will not be able to sell without filing a lawsuit. Also, if a co-owner gets sued and loses, a lien could be placed on your property and you could be forced to sell it even if you are alive and living in the property. You will also have to pay fees to your local jurisdiction to record a deed.

3. Life Estate Deed with Powers

This is a special kind of deed that allows you to keep your ownership of the property during your lifetime and specifies a person or people who automatically receive the property after you pass away – these people are called “remainders.”

Benefits: After filing a life estate deed with powers, you keep full ownership of your property during your lifetime. This means that you can sell it, take out a loan on it, refinance a loan on it, or anything else that you were already able to do with the property. If you still own the property at the time you pass away, your remainder(s) automatically take title to the property after you die. There is no need to open an estate for the property to transfer ownership. If you pass away owing any debts, your creditors will not be able to place a new lien on your property after you die.

Drawbacks: You will have to pay fees to your local jurisdiction to record a life estate deed. Also, if you want to change who is the remainder on the deed, you will have to have a new deed prepared and recorded. If your remainder dies before you do and you do not change the life estate deed before you die, then your property will go to your remainder’s legal heirs.

If you would like any of these documents prepared for you or have any other estate planning questions, please call the Legal Services Department at St. Ambrose Housing Aid Center at 410-366-8500 extension 209.

What happens when you can’t pay the mortgage? A forbearance explainer

During the current public health emergency, many homeowners are facing difficulties making their regular mortgage payments on time. Here are some things to consider when it comes to forbearance agreements and managing your mortgage in general:

If you can afford it, try to continue making your mortgage payments.

There are a lot of mixed messages being shared about whether or not you should continue making housing payments. The truth is, the best thing for your financial future is to continue to pay your obligations if you have the means to do so. While it is true that some protections are in place for consumers during the pandemic, it is safer (and easier) to continue meeting your obligations until circumstances change. If you have to make tough choices, remember to take care of urgent needs (food, medicine, shelter) first whenever possible.

If you cannot afford to make your payment, contact your mortgage company ASAP.

Public assistance programs in the United States almost always require the recipient to request them. Assistance from your mortgage company is no different. The sooner you contact the mortgage company, the sooner you will be able to begin the process of applying for help. Some servicers are currently only requiring a few button presses to be entered into temporary assistance programs. Even then, make sure you keep a record of what day and time you applied. Also keep track of any information you may have provided to your mortgage company, in case questions arise at a later date.

What is a Forbearance Agreement?

With a forbearance, you and your mortgage company agree to temporarily suspend or reduce your monthly mortgage payments for a specific period of time. This option lets you deal with your short-term financial problems by giving you time to get back on your feet and bring your mortgage current.

If your mortgage company indicates that you are approved for a Forbearance Agreement, try getting it in writing.

When you are approved for a forbearance, try to get a in writing (or via email), if possible. If getting it in writing isn’t possible, record the time and date of the approval, as well as the name of the person you spoke with (if available). A Forbearance Agreement is NOT necessarily the mortgage company allowing you to “skip” payments, it is an agreement to allow you to make those payments at a later date in some form or fashion.

After the Forbearance Agreement ends, you may need to submit more information.

Some mortgages will allow the missed payments to simply be added to the end of the loan. Others may require you to apply for a loan modification once the forbearance period is over. Even if you “heard” from someone (including a mortgage company employee) that the missed payments will be automatically added on to your loan, it is best to be prepared in case you need to provide more information in the future. During your forbearance, keep detailed records of your finances (bank statements, tax returns, and paystubs- if you are still being paid) and be sure to open any mail you receive, especially from your mortgage servicer.

If you require assistance with any stage of this process, Housing Counseling Help is available. 

St. Ambrose Housing Aid Center remains open and available to counsel individuals having difficulty paying their mortgage through our Foreclosure Intervention Counseling Program. Our counseling services are free of charge and available to all residents of the state of Maryland who need our assistance. Email us at intake@stambros.org or call us at 410-366-8550 ext. 249.

New video: Three things to know about paying rent during a pandemic: Information for Renters during COVID-19

St. Ambrose Staff Attorney Tim Darby talks about what renters need to know about Maryland’s current eviction laws and what they mean and how to have effective conversations with landlords.

As always, if you are having trouble dealing with your landlord, or have any other questions regarding housing law, please call the Legal Services Department at St. Ambrose Housing Aid Center at 410-366-8550, extension 209.

Legal Services at St. Ambrose copy 2

The COVID-19 Coronavirus outbreak has caused a lot of uncertainty for all Marylanders, particularly renters like Tim. If you are struggling to pay your rent in Maryland there are three things that you should know. Watch the video here.

  1. First, open and honest communication with your landlord is very important. Unless your landlord tells you otherwise, you still have an obligation to pay rent during this period of time. If you think you might not have rent money by the due date, get in touch with your landlord and explain what’s going on. They might be able to work with you to establish a payment plan or defer your rent payment to a later date, though it’s important to note that they are not legally obligated to do so. If you do work something out with your landlord, make sure to get it in writing.
  2. Even if you do not pay rent, your landlord can not legally evict you right now. Even before the coronavirus outbreak, landlords could not legally evict tenants without going through the court system and then paying the local sheriff’s office to conduct the eviction. Landlords can NEVER legally evict tenants without the help of the local sheriffs office. The governor of the state of Maryland has issued an order halting all residential evictions for the duration of the State of Emergency. We do not know when this State of Emergency will end. This means that right now, your landlord cannot legally force you out of your home, even if you have not paid rent or if you have been diagnosed with the coronavirus.
  3. Lastly: If you do miss a payment, you will still owe that money to your landlord, even though they cannot evict you right now. Our state court system is currently running limited operations, and every county and Baltimore City is handling matters differently. However, once your local district court opens up to rent court hearings, trials may be scheduled for those who have not paid their rent. If you get to this point, you are liable for unpaid rent and also maybe fees and court costs. If you do not have this money by the hearing date, your landlord may be able to begin working with the sheriffs office to schedule an eviction.

The most important thing to know is that your landlord CANNOT force you to leave your rental property during this state of emergency. If you are having trouble dealing with your landlord, or have any other questions regarding housing law, please call the Legal Services Department at St. Ambrose Housing Aid Center at 410-366-8550, extension 209.

Foreclosure fears? Ten tips from Staff Attorney Tim Darby, Esq.

Many Marylanders are facing the threat of foreclosure due to loss of income because of the COVID-19 Coronavirus pandemic. The St. Ambrose Legal Services Department has compiled the following tips for what to do if you having trouble making mortgage payments:

  1. Ask for help from a housing counselor or pro bono attorney as soon as you realize you are in financial trouble. The sooner you ask, the more likely you are to get the necessary support to resolve the problem.
  2. Stay in contact with your mortgage servicer so that they are aware of your situation. Your servicer may offer you a forbearance, meaning that they will suspend your obligation to make monthly payments for a certain period of time. Once that period of time ends, you will resume making your normal monthly payments. If you are upfront and transparent about your financial situation, your bank will better understand your needs and interests.
  3. Open all of your mail, promptly. Don’t assume you already know what’s inside.
  4. Know that the foreclosure process in Maryland takes many months from beginning to end. Many people are frightened when they start receiving mail about a foreclosure action. Take this seriously but know that your lender has to take several steps through the court process before you are legally obligated to leave your home.
  5. Know that because of the COVID-19 pandemic, the court system is not processing any foreclosure cases and the Chief Judge of the Court of Appeals of Maryland, our state supreme court, has suspended all evictions.No evictions may legally take place at this time. Once the court system opens back up foreclosure proceedings will resume as normal. You still have an obligation to make mortgage payments unless your servicer tells you otherwise in writing.
  6. Do not pay fees for services to assist you with your financial situation when the service is available for free. Thoroughly investigate anyone who is charging you for financial services and what they are doing for the fees.
  7. Do not take advice from friends, neighbors, or family unless they are trained in financing.
  8. Understand your responsibilities under the debt obligation. A deed of trust is part of a mortgage agreement. A deed is the document that signifies ownership of a piece of real estate.
  9. Know your rights and don’t sign any contracts unless you fully understand the document. You may be offered a forbearance or deferment during this time, but make sure you understand the full implications of this sort of arrangement before agreeing to it.  
  10. Do not think the problem will just go away. If you cannot afford your house, start considering what next steps you will take in order to find a new living space.

The threat of foreclosure can be intimidating, especially in light of the COVID-19 Coronavirus outbreak. However, being informed of your rights and responsibilities can make the process easier. Going through a foreclosure doesn’t mean losing everything. If you remain informed and proactive throughout the process you’ll be able to salvage the maximum amount of your investment. Find help, resolve the problem, and look ahead to life beyond foreclosure.

Call St. Ambrose for free legal advice and foreclosure counseling: 410-366-8550 extension 209.

Navigating Legal Challenges in the Wake of COVID-19

The current COVID-19 pandemic has unleashed a host of uncertainties in nearly every aspect of personal and public life across the state. St. Ambrose Legal Services is here to work with you to achieve clarity and confidence in challenging times. If you or anyone you know is in need of legal services, contact us today: legal@stambros.org.

Here are some of the questions our legal services team is addressing now:

Q: I recently lost my job due to the COVID-19 pandemic. What resources are available to me?

A: You may file for Unemployment Insurance benefits through the Maryland Department of Budget and Management. You can do so online at http://www.mdunemployment.com or via telephone at 1-877-293-4125 or 410-853-1600.

Q: I am afraid that I will be evicted from my house. Can that happen right now?

A: All foreclosure proceedings in Maryland are currently stayed. That means that no foreclosure case will process through the court system until further notice. Additionally, the Chief Judge of the Court of Appeals of Maryland, our state supreme court, has suspended all evictions whether the property is owned with mortgage or rented from a landlord. Even in cases where evictions were previously authorized, Baltimore City and County have suspended evictions from taking place.

Q: Am I getting a check from the government?

A: The federal government recently passed the CARES Act, which will send money directly to millions of Americans. The Internal Revenue Service will use information from your 2018 or 2019 tax return to determine whether you are entitled to direct payment and the amount that you will receive. If your address has changed since filing and you do not have a direct deposit set up, you will need to contact the IRS to inform them. One way to do this is to call the IRS at 800-829-1040 from 7:00 am to 7:00 pm.

The Treasury Department recently stated that people receiving Social Security benefits will not need to file a tax return and will automatically receive either a paper check via mail or a direct deposit into a bank account.

If you have not filed taxes for 2018 or 2019 and receive income beyond Social Security benefits, you should file your 2019 taxes as soon as possible.

Q: I cannot afford to make my mortgage payment this month. What should I do?

A: The first thing you should do is contact your mortgage servicer and explain the situation. Your servicer may offer a forbearance, meaning that they will suspend your obligation to make monthly payments for a certain period of time. At the end of a forbearance, you will continue making the same monthly payments as before.

Q: I cannot afford to make my rent payment this month. What should I do?

A: You should contact your landlord and explain what is going on. They may offer to work with you on a payment plan or suspend your obligation to pay rent for a period of time. Your landlord CANNOT legally evict you without utilizing the services of your local Sheriff’s office.

Q: What should I do if I cannot afford to pay my utilities?

A: BGE has suspended all service disconnections and late payment fees until at least May 1 and will be working with customers to establish payment arrangements and identify energy assistance options. For further information, contact BGE at 800-685-0123.

Both Baltimore City and Baltimore County have suspended water shutoffs for failure to pay.

Could I be evicted_

Q: I have not paid my property tax. Can my property still go to tax sale?

A: Yes. The 2020 Baltimore City has been delayed, but may still occur this year. The 2020 Baltimore County tax sale is scheduled to take place in early May. YOU DO NOT HAVE TO LEAVE YOUR HOME IMMEDIATELY AFTER IT IS SOLD AT TAX SALE. Even after a property is sold at a tax sale, the owner has a right to pay what is owed (possibly along with fees) until at least six months after the tax sale.

Call the Legal Services Department at St. Ambrose Housing Aid Center for more information at 410-366-8550 extension 209.

Q: Can I still vote in the upcoming elections?

A: The Special Congressional District 7 Election (to replace Rep. Elijah Cummings) will be held exclusively by mail. If you live in the District and you are registered to vote, expect to receive a ballot in your mailbox in early April. In order to have your vote counted, if must be filled out and returned, postmarked on or before April 28, 2020.

The 2020 Primary Election will take place on June 2, 2020 from 7:00 am until 8:00 pm. Early voting will be open from Thursday, May 21 to Thursday, May 28.

Please keep up to date with the State Board of Elections as these dates and procedures are subject to change.

Q: What should I do if I need further assistance or receive a document that I do not understand?

A: You should contact the Legal Services Department at St. Ambrose Housing Aid Center at 410-366-8550, extension 209.

Q: Will any of this information change?

A: Maybe. This information was compiled in early April and all information is subject to change. Call the Legal Service Department at St. Ambrose Housing Aid Center at 410-366-8550, extension 209 with any questions you may have or to confirm that any of this information is still valid.

An Update from the Legal Department Regarding Water Bills and the Tax Sale

By Christina Ochoa

Every year when spring arrives, the lawyers at St. Ambrose begin to receive many worried phone calls related to May’s tax sale in Baltimore City. A tax lien certificate can be sold for an unpaid water bill, unpaid property taxes, or an environmental control board citation. The attorneys here have represented clients in informal hearings about disputed water bills in order to help homeowners avoid the tax sale and straighten out their bill.

water bill christina
Evelyn Anderson (left), a client who was facing a $1,300 water bill and Staff Attorney Christina Ochoa (right)

 

This year, things got a bit tricky, because in October of 2016 when the city switched from quarterly billing to monthly billing, they also eliminated the hearing process. As advocates it has been a very difficult transition because we have homeowners with bills into the thousands of dollars who would like to meaningfully dispute their bill with an impartial third party, but no longer have any mechanism to do so.

In response to these changes, St. Ambrose has become very involved with trying to initiate change and also work with the city in different individual cases. City Council President Bernard “Jack” Young and Councilman Robert Stokes called for an investigative hearing to be held where the Department of Public Works was to address several different issues, including missing bills, the informal conference, and erroneous bills. Advocates from other organizations as well as Baltimore City homeowners and business owners offered testimony as to the experience they have had with very high water bills and the general disorganization of the Department of Public Works. We called on DPW to reinstate a hearing process to protect homeowners from potentially losing their homes over an erroneous water bill. Charlotte Clarke, an attorney at St. Ambrose, went into detail about a specific property where the bill was over $44,000 and expressed the clear necessity of a hearing process to address this type of problem.

As of yet, no changes have been implemented. The tax sale occurs every year in May and the deadline to pay in order to avoid tax sale is April 28, 2017, so we are hoping for some meaningful resolution prior to that time. Through our tax sale workgroup, we have invited the Director of Public Works, Rudy Chow, and all the members of the city council to meet with us to discuss the city’s next steps. Hopefully our local government and our Department of Public Works will accept our group’s invite and come up with a solution that protects our residents. In the meantime, our team will remain committed to serving Baltimore residents in many different affordable housing related cases, including water bill disputes.

If you, or someone you know, is in need of free legal advice or assistance regarding a water bill or tax sale notice, please don’t hesitate to call us: 410-366-8550 x249 or email legal@stambros.org.

Or visit one of these upcoming clinics: 17917657_1408357049184886_3061156531151684134_o