Attorney Cedulie Laumann is the managing attorney of small law firm in Anne Arundel County, Maryland. The firm accepts clients in real estate, small business, guardianship and civil litigation matters.
She enjoys helping clients reach positive solutions to their legal needs. Whether a client needs a simple deed transfer or representation in a "high stakes" lawsuit, quality representation should keep the client's unique needs in mind. Her firm employs innovative "flat fee" billing arrangements and fee options outside the traditional hourly based approach.
"Legal Answers & Representation Relevant to YOUR needs!"
- Business Law
- Employment Law
- Estate Planning
- Real Estate Law
- General Civil
- Free Consultation
10 minute no-cost phone consult. Call 410-216-7000 $180 consult fee for most matters (w/out document review) up to 1.5 hrs $200 consult fee w/ document review up to 1.5 hours 50%-100% of the consult fee credited to client's account if the firm is retained for full service within 30 days of consult.
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- Contingent Fees
Attorneys fees may be handled on a contingency basis (client does not pay unless there is recovery) in certain cases, including injury, certain types of real estate matters and judgment collections.
- Rates, Retainers and Additional Information
10 min no cost initial consult by phone. Flat fee consultations for up to 1.5 hour attorney meeting. Option of flat fee billing many types of cases, including Estate Planning (Trusts, Wills, etc.), Business Formation (LLCs, etc.) and Real Estate (tax sale foreclosure litigation, deeds, contracts, etc.) Representative 2017 flat fees: $240 for most deeds, $250 for PR/estate/corporate deeds $80 for powers of attorney $750 for single member LLC formation package, $505 for estate planning package (individual), $1,250 for revocable trust package. While all the firm's clients are given clear understanding of fees up-front, this list is not a promise to represent, some situations may require additional work and no attorney/client relationship is formed unless we meet and both agree.
- English: Spoken, Written
- managing attorney
- Arden Law Firm, LLC
- Adjunct Faculty
- St. Joseph's University
- University of Maryland Francis King Carey School of Law
- Honors: Order of the Coif Top 10% of Graduating Class
- Maryland State Bar
- - Current
- Q. What is the maximum interest I can charge for a business tenant rent default in Maryland
- A: Maryland's usury laws are fairly complicated. The location of the tenant is likely irrelevant. The general legal rate of interest in MD is 6%. Most of the time people can charge up to 8% so long as there is a written agreement to that effect. However parties can agree in various situations to higher interest rates in writing, up to 24% and in some cases higher. Federally charted banks don't follow the same rules and a corporation can be charged any interest rate the parties agree to. A "business tenant" may or may not be a corporation, though. This is not an exhaustive look at the nuances of interest law in Maryland. It is often advisable to seek legal counsel before drafting a commercial lease. None of the foregoing is legal advice but I hope you find the general information helpful.
- Q. In Maryland if there is no will and the estate representative doesn’t sell the home of the deceased in the allotted time
- A: The difficulty with your post is the phrase "and the state takes over and puts it up for auction." That is not normal, so an attorney would want to understand why the state of Maryland would possibly be involved with putting up a property for sale. Now Maryland counties routinely put properties up for tax sale when the taxes aren't paid, and sell them to private parties, but your post suggested "there are no taxes owed." Generally speaking, if the appointed personal representative doesn't do their job, the court (Register of Wills) will order the Personal Representative ("PR") to explain why they shouldn't be removed from the role. If the PR is removed from the role, someone else (such as another relative) should be appointed and carry out the duties of wrapping up the estate. The government itself doesn't sell properties in estates, that is the job of the individual appointed as a PR. While not legal advice, I hope this response gives some general information helpful to you.
- Q. My husband passed away, no will. He was the sole owner on the house and one vehicle. Will I be forced to sell home
- A: When someone dies without a will, the laws of intestate succession apply. Depending on what other family they leave behind, property may have to be split with the children or parents of the person who died. Generally the person handling the estate will want to wait before paying credit card debt off to see what other claims might be filed against the estate - the law gives an order or "priority" of paying obligations in an estate. Please sit down with an attorney who can take a look at the specifics of the family members, the debts and the assets and help guide you through the process. Even if you decide to handle the probate administration on your own it generally is helpful to get legal advice before opening up the estate. While this response isn't legal advice or a promise to represent, I hope that the general information helps.
- Q. We are on Septic, "Will we be able to sell our house?" - drain field is not on our property.
- A: Some options in situations like this are getting and recording an easement from the neighbor on whose property the drain field lies, or, in some situations, replacing the entire septic system with a documented one solely on the right property. An environmental study might not be necessary but getting records from the health department (or whatever department in your county has records of private septic systems) and a survey probably are both essential first steps. The big wrinkle in your question is "across the road" since it implies not only septic on two properties (yours and your neighbors) but also brings in an unknown third party - the owner of the road. Problems of this sort tend to not get easier with the passage of time, so very generally speaking addressing early might benefit the current owner / future seller. While not legal advice, I hope this general information provides some assistance.
- Q. I want to put the deed to my mortgaged home in my sons name,what is the first step/
- A: Both attorneys correctly noted the general principle that people need to pay off their mortgage before transferring / deeding their property, BUT there are still ways a parent can legally add a child to a deed without needing to pay off the mortgage early. A) If the goal is to transfer current ownership, you can do so by means of a deed after you contact your lender's assumption department. There is a federal law that addresses the situation you describe. While in MOST cases you can't deed a property without first paying off the mortgage, you may be able to do this if you are gifting to your son and it is a federally related mortgage (most loans are). Basically, a child of a borrower can assume the loan if they get the property from their parents. So you probably CAN do the transfer. That is only part of the equation, however, as there are at least 2 other things to watch out for. First, In some counties in Maryland you will need to pay a tax to record the deed based on the value of the current mortgage. The amount of the tax varies with the amount of the mortgage, but it can be several hundreds or thousands of dollars so you'd really want to talk to an attorney who can figure that out for you. Second, anytime you give anyone property worth more than $15,000 the IRS wants you to file something called a gift tax return. There might not be any federal income tax owed but since real estate is usually worth more than $15,000 in this state, it helps to be aware of this requirement. OR B) There is a simple and easy way to add a child to title if the goal is to make sure your child will eventually inherit the property. You can do this by something called a life estate deed. It also has the added benefit that the property remains the original owner's and no creditor of the child can take it away during the parent's lifetime. My firm does these types of deeds for parents adding children onto the property regularly. This kind of deed doesn't require anyone paying off the mortgage early and should be exempt from transfer and recordation taxes. It doesn't cost any more than doing a "regular" deed and I encourage you (and anyone in this situation) to talk to experienced counsel to see if it makes sense in your situation. My firm does these throughout Maryland but there are other attorneys who do as well. While not legal advice, I hope this general information helps!
- Q. I own a timeshare with my mother, who is now deceased. How can I get her name off the deed?
- A: This can only be done by a Deed. The Personal Representative is the only one with authority to sign a deed after someone dies, so this requires someone to serve as Personal Representative. An estate should be opened where the deceased person was domiciled (which may or may not be where they lived). If property is in other jurisdictions you may need to start secondary (or "ancillary") estate proceedings in the other states. Some states have a streamlined process for transferring real estate out of an estate to close relatives. Although you posted the question in MD, you will need a Florida barred attorney to prepare the Deed and answer any questions on the Florida probate process.
- Q. Can a settlement agent who signs a loan application also be the notary and witness on a deed of trust.
- A: As Mr. Sternberg noted, a notary cannot witness their OWN application but they most certainly can witness any other borrower signing that and the host of other documents a borrower signs at a closing. A notary who witnesses documents to get title insurance must also be a licensed title insurance producer but there is nothing unethical about a notary being the only witness to the various loan and closing documents. A notary cannot sign as the preparing attorney unless they are in fact also a licensed attorney who prepared (or supervised the preparation of) the documents. Oftentimes the attorney preparing the Deed (and/or the Deed of Trust) will do so separately, and not at the settlement table. Maryland law requires that a Certificate of Preparation be attached and signed before certain documents can be recorded in land records, but that doesn't mean the attorney is signing at the same time as the other party(ies).
- Q. My bank account has been levied. Can they take all of my money out ? or is there a certain amount that can be taken ?
- A: The question does not describe the context but I'll assume that the asset seizure stems from a judgment which someone is trying to collect. Maryland law exempts certain amounts from garnishment, but the exemption is not automatic. Very generally speaking Maryland allows an individual a sum total of $6,000 to exempt from garnishment. Additionally, some sources of money (such as social security) may be exempt from garnishment. In other words, a creditor with a valid judgment can usually get whatever the debtor owns (bank accounts, cars, homes, furniture, cash, etc.) but the law gives a little "breathing room" if (and only if) the judgment debtor seeks it in a timely fashion. If a creditor has seized your bank account through garnishment / levy, you will need to proactively seek exemption with the courts, or lose the exemption. The law imposes strict timeframes and action should be taken promptly after getting notice of a seizure. While I hope this general information helps, it is not legal advice or an offer to represent and you are encouraged to find an attorney to help with any pending action against you.
- Q. My father recently purchased a single-Family home at auction. What is the best way for me to get a loan for 60% equity?
- A: If your father owns the property free & clear and he is looking to give it to you, in exchange for you paying him back, this sounds like a family mortgage situation. This is documented by a note and mortgage/deed of trust. My firm helps clients set up family deed transfers and family mortgages, as do other attorneys in this state. Some private mortgages by unlicensed lenders are no longer allowed in this state, but Maryland does still allow parent/child mortgages. Typically if a mortgage is recorded at the same time of purchase, there are no "extra" taxes on the mortgage price. However, anytime a buyer givse someone money in exchange for real estate (whether it is paid in lump sum or over time), there will be transfer and recordation taxes. The exact amount varies from county to county. A parent-child transfer is exempt from certain transfer and recordation taxes to the extent there is no money exchanged, and a purchase money mortgage may be exempt from taxes when it is recorded at the same time or close to the deed, so it helps to sit down and talk the specifics over with an attorney. While I hope this general information helps, it doesn't take the place of engaging an attorney. You're encouraged to seek out one sooner rather than later to talk over your options.