• Stop Creditors Calling & Harassment Immediately

    This is accomplished through filing a bare bone chapter 7 or chapter 13 with the U.S. Bankruptcy Attorney in the State of Maryland. Automatic Stay.

    Chapter 7 – Fresh Start – Liquidation

    Get a fresh start. I have over 24 years experience in advising clients and helping them get a fresh start.  We will review Maryland exemptions.

    Exemptions: What are they? Exemptions help you keep your property and home.  We carefully explain the process and your eligibility.

    This will remain on your credit report over a 8 year period. Therefore, we will discuss asset protection, opening a business and how your best years are ahead of you yet!

    Our lawyers are friendly and accessible. Our legal fees are monitored by the Department of Justice and Federal Courts, so you will not pay one penny more than mandated by law.

    Call today! We are ready to strategize with you and help you build an unprecedented legacy for you and your family.

    Chapter 13 – Reorganization

    A Chapter 13 differs from a Chapter 7 in that you hold onto your property and instead list out all your creditors for the Trustee from the Department of Justice to determine how much you can pay them over a 3 – 5year period.  All your income and all your expenses are calculated. In order to be eligible for a Chapter 13, your income – your expenses must be well in the black (positive).  

    Your net income will be used to pay out your creditors over time. Each creditor will be notified and must file a proof of claim with the U.S. Bankruptcy Court.

    Priority Debts such as child support, or alimony can also be included in a Chapter 13 and your family would be paid a less amount over a 3 – 5 year period that you can afford.  In the meantime, you and your family rebuild a fantastic legacy with the guidance of our lawyers.

    Your Financial Picture

    There are a number of bankruptcy forms that need to be completed called schedules.We work with you to complete the schedules which paint your financial picture.

    Hearings: There are two hearings, the 341a and Confirmation Hearing. Our lawyers will represent you at both proceedings in Federal Court.

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