The main reason to get a free bankruptcy consultation is to figure out your options. Once you know your options you can make informed, intelligent decisions. What about waiting? Is that an option? Why take action now? What many people do not know is that IF you are going to have to file for bankruptcy, […]

Conclusion & Next Steps So never worry about your pet in a bankruptcy filing. We will be sure to keep your pet safe for you. Want to know more? Discover what you need to know about bankruptcy in Maryland. Click here to see our Free Legal Consumer Guide to Maryland bankruptcy cases and get answers […]

This page is for our current bankruptcy clients. We created it to help prepare them for a formal meeting called a 341 meeting of creditors in a Chapter 13 case. (Click Preparing for Your Chapter 7 for a similar article) A typical bankruptcy case does not involve a lot of confrontation. The one place it […]

This page is for our current bankruptcy clients. We created it to help prepare them for a formal meeting called a 341 meeting of Creditors in a Chapter 7 bankruptcy. (Click Preparing for Your Chapter 13 for a similar article) A typical bankruptcy case does not involve a lot of confrontation. The one place it […]

When you file for bankruptcy in Southern Maryland you need to take two classes. They can be done online or over the phone. There is a Credit Counseling Class that you take before you file. After you file, you need to complete the Debtor Education Class so your case will be closed with a discharge. […]

One of the first questions people ask about bankruptcy is "What do I get to keep?" To figure out the answer to this question you need to have and understanding of bankruptcy exemptions. Bankruptcy exemptions set out what assets you are allowed to protect or keep when you file a bankruptcy. If you have lived […]

As a bankruptcy lawyer in Southern Maryland, I know people will be asking me what to do with their government stimulus check. To make sure I was ready to answer this question, I figured I would look at what advice financial experts are giving. The advice I read seemed to be the same advice that […]

There is a lot of help available for those Maryland homeowners who face foreclosure. There are a lot of federal laws too. To be honest, many of these government programs are not as helpful as they were meant to be. Some only consider people in a very narrow set of circumstances. Some are narrow in […]

When people come into our Waldorf or Lexington Park office for a free bankruptcy consultation, there are certain questions they will ask. One of these is “How much debt do you need to have to file for bankruptcy?” The truth is that there is no minimum amount of debt that you are required to have […]

In a chapter 13 plan you are supposed to send in regular plan payments to the bankruptcy trustee. The Trustee disburses the money to the creditors. Usually this payment comes right out of our paycheck after the plan is confirmed. If you don't get a paycheck because you were laid off because of COVID19, those […]

When people call to schedule their initial consultation in our Lexington Park or Waldorf office they usually want to know what to bring. Our answer is “Just bring yourself”. For the initial consult our main goal is to get an overall picture of your financial situation. We will have plenty of time down the road […]

A short sale (also called a pre-foreclosure sale) is one of your options to prevent a foreclosure on your home. To see a complete list of your options, click here and read our Free Legal Consumer Guide about Foreclosures. And you need to explore your options with an attorney before deciding if a short sale […]