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REPORTED IN THE COURT OF SPECIAL APPEALS OF MARYLAND No. 2024 September Term, 2008

BENEDICT KARGBO v. DOUGLAS GASTON

Eyler, James R.,

Kehoe, Sharer, J. Frederick, (Retired, Specially Assigned)

JJ.

Opinion by Kehoe, J.

Filed: September 30, 2010

In 2005, the General Assembly enacted, as emergency legislation, The Protection of Homeowners in Foreclosure Act ("PHIFA" or the "Act"), codified as Maryland Code (1974, 2003, Supp. 2006) Real Property Article ("RP")

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