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Maryland Bankruptcy Attorney

Heather Dickerson,

We serve the entire state of MD for chapter 13 and all but Western MD for chapter 7

We’ll give you a fresh start

MD BANKRUPTCY ATORNEY, Heather Dickerson is your best chance to get a fresh start. The $525 fee includes your legal fee (what you pay the lawyers to represent you) and your 2 bankruptcy courses for under $525! The only other cost is your filling fee: Chapter 7, $335: Chapter 13 $281. Heather Dickerson is a Maryland bankruptcy lawyer only and does not practice other types of law. she has worked on thousands of cases including chapter 7 and chapter 13. If you are looking to have your case handled properly, need or would like to save money on your legal fees, and want to convenient process that saves you travel time, gas and money, we are your only logical choice!

Law firm only accepts chapter 13, not chapter 7 cases for the following counties: allegany, frederick, garrett and washington

CHAPTER 13 BANKRUPTCY Maryland(MD)

(Usual fee to file individual case: $540 +$310 filing fee)

Why file chapter 13?
  • to stop foreclosures
  • to get back repossessed vehicles
  • to catch up on mortgage or car payments
  • to inexpensively remove 2nd mortgages(when available)
  • to stop creditors if you have filed chapter 7 in past 8 years
  • to repay taxes or fines over a 5 year period
  • to help with your debts when you don't qualify for chapter 7
  • to stave off or push back unreasonable student loan payments
  • to keep property that would be taken in a chapter 7
  • to protect a co-debtor on a debt with you and you want to protect person
  • you want to repay your debts without interest while protected by the court

CHAPTER 7 BANKRUPTCY

(Usual fee for indiv. $525+ $335 filing fee)

Reasons to file chapter 7?
  • you are only making the minimum payments to your credit card companies
  • collectors are calling you at home, at work, or are calling your family members
  • you live in fear of the phone ringing
  • you are using your credit cards to pay for living expenses
  • you wonder if you should consolidate your debts
  • you don't own a lot of property or have equity in cars or houses
  • you want to buy a house but can't due to your credit
  • YOU NEED A FRESH START!

Debt Elimination Through Bankruptcy - Get Out of Debt Easily

Anyone who has been in bankruptcy know that the chapter seven bankruptcy is a very long and expensive process. By eliminating the financial debt, bankruptcy actually saves a lot of money over the long run and the process is less costly for both the creditor and the debtor.

Creditors will not have to spend a lot of money to stop you from using your car, your house or your car in the future. Bankruptcy does save you the trouble of having to pay creditors as well as save you the trouble of paying your debt back and the bankruptcy process gives you a new lease on life. Having a car, house, credit card and other obligations to manage is not so pleasant.

The process can be very stressful, especially when you are filing for bankruptcy on your own. The creditors might sue you if you do not pay the payments back and they can stop your license from being renewed. You will also be in trouble if you fail to pay your creditors back on time.

Debt elimination through bankruptcy does not have to be stressful. The way that this process works is by combining all your debts into one and then paying them. By doing this, you can eliminate your debts faster than the time you would take to pay it all back.

Debt elimination through bankruptcy will reduce your debt and you will have less debt left over. This can leave you with enough money to pay your creditors and possibly be able to clear your credit report at the same time. Even better, you will be left with the cash in hand to start paying your creditors off on your own.

Debt elimination through bankruptcy is a very easy process that anyone can do with their own efforts. You do not have to be a lawyer or even own a computer to be able to handle the process. All you need is to be the debtor yourself and to follow instructions that have been provided to you.

A lot of people want to know how do you go about filing for bankruptcy if you do not have a lawyer to help you. First, if you have been trying to work with your creditors to pay them back but they refuse to negotiate and you are still not making payments, you may want to seek a debt negotiation attorney. They can help you negotiate better terms with your creditors and will represent you before the court.

There are other services that you can do that do not involve a lawyer but are more expensive. You can hire a service like the services of a settlement company to help you negotiate with your creditors and work out the best terms possible to get them to lower your interest rates and payments.

You can save money by cutting costs and you can save a lot of money by hiring the most cost efficient method to do your debt elimination. When dealing with a professional, you will also have the opportunity to enjoy many benefits that you might not get in an unprofessional manner. Your attorney will work with you until you reach a positive resolution.

If you do not have an attorney, there are ways that you can get the information and advice you need about filing bankruptcy without the help of an attorney. You can read books and get online resources and even get a lawyer to help you get started on the process. Remember that each individual has different needs and wants when it comes to bankruptcy.

Chapter seven bankruptcy is not something that should be overlooked. It does take a lot of hard work to get out of debt but you will be glad that you took the initiative and decided to take on the burden. Bankruptcy is one way to pay off your debt in a shorter amount of time and it can allow you to avoid the stress of dealing with creditors.

Counties served for chapter 7 bankruptcy:

Anne Arundel

Baltimore

Baltimore City

Calvert

Caroline

Carroll

Cecil

Charles

Dorchester

Harford

Howard

Kent

Montgomery

Prince George's

Queen Anne's

St. Mary's

Somerset

Talbot

Wicomico

Worcester

FAQs

+ How do I file bankruptcy myself in Maryland?

How to File Bankruptcy in Maryland for Free

  1. Collect Your Maryland Bankruptcy Documents.
  2. Take Credit Counseling.
  3. Complete the Bankruptcy Forms.
  4. Get Your Filing Fee.
  5. Print Your Bankruptcy Forms.
  6. Go to Court to File Your Forms.
  7. Mail Documents to Your Trustee.
  8. Take Bankruptcy Course 2.
+ How much does it cost to file Chapter 7 bankruptcy in Maryland?

The cost for filing a Chapter 7 bankruptcy is $306. This fee may not be waived but you may be able to pay it in installments. The fee of $281 for a Chapter 13 bankruptcy cannot be waived.

+ How much does a lawyer charge for Chapter 7?

Chapter 7 Bankruptcy Attorney Fees In general attorney fees for a Chapter 7 bankruptcy range from $500 to $3500 depending on the complexity of the case. Larger firms with more advertising and overhead costs may charge more than a solo practitioner.

+ How do I file Chapter 7 on my own?

Here are the general steps you will have to take to file for Chapter 7 bankruptcy yourself:

  1. Determine Eligibility. ...
  2. Fill Out the Means Test. ...
  3. Receive Credit Counseling. ...
  4. Fill Out Official Bankruptcy Forms. ...
  5. File a Petition. ...
  6. Attend a Creditors' Meeting. ...
  7. Attend Personal Financial Management Instruction Course.
+ How do I file bankruptcy myself in Maryland?

If you did not get a discharge in your previous bankruptcy case then you can file for bankruptcy again without the below time limits. You can file for bankruptcy twice or even three times, even if you have received a discharge

How much does a maryland bankruptcy attorney cost?

It now costs $335 to file for bankruptcy under chapter 7 just for the court fees that are charged by the United States Federal Bankruptcy Court everywhere in the United States in September, 2019. It costs $310 to file for bankruptcy under chapter 13 just for the filing fees charged again, by the United States Federal Bankruptcy Court today, September, 25th, 2019.

It costs the same no matter what part of Maryland you come from. Whether it is Baltimore, Greenbelt, Parkville Silver Spring, Towson or Frederick MD , it will cost the same, whether for one person or a legally married couple.

The US Bankruptcy Court might permit you to pay this filing fee in installments over time if you cannot pay all at once but we have seen many cases dismissed for lack of following through with the filing fee costs so we do not encourage this strategy. Again in Sept 2019, the cost for filing a Chapter 7 bankruptcy is $335, but only for the filing fees that are due for the US Bankruptcy Court.

This does not take into consideration the legal costs for having an experienced Maryland Bankruptcy Lawyer represent you in the preparation and successful conclusion of a chapter 7 case resulting in a Fresh Start for you, as the client. The Federal Court probably will not waive this fee as they derive operating funding from these monies and everyone filing bankruptcy is broke, but you might be able to pay it in installments. We do not recommend this option ever because of the problems that we have seen it cause when you go through all of the trouble, time, and expense to file a chapter 7 bankruptcy, the last thing you want to have happen is for it to dismiss because you didn't pay the filing fees to the court.

The September 2019 fee of $310 for a Chapter 13 bankruptcy shall not be waived. So, if you understand the filing fee costs associated with filing bankruptcy in MD, here's are some thoughts for you to consider about how to find, and choose, the best bankruptcy attorney for your debt situation and financial and/or cash flow scenario you find yourself in.

  • Does the attorney or their office show signs of respect, kindness, and professionalism when you contact them?
  • You can choose to meet with a few different lawyers or speak with several over the phone to see how you are treated, their pricing, convenience, etc.
  • Some of the ways to judge whether a bankruptcy lawyer is a good fit is whether or not they discuss other options with you, although when you need or want a fresh start, the last thing you might want to hear about is someone telling you to pay your bills for the next 5 years.
  • Bankruptcy law runs down a lot of attorneys over time due to the various problems they incur with people having a hard time in life when they come together. Make sure that they are not burned out by having handled too many cases.
  • Make sure that the attorney or their staff is listening to you and your concerns about the process. One way to judge this is to ask questions up front to see how amenable they are to helping you and answering your concerns.
  • Oh, the subject of legal fees. Here is the problem, two bankruptcy lawyers in Maryland might do the exact same work for you on a chapter 7 case. The one might charge $2500 and the other, $515. They both do the same work and get you the same result, a fresh start from your unsecured debts. Now, which one would you want to have represent you? That seems to be a simple question to answer for people considering or trying to afford to file bankruptcy but that a lot of times is your choice. The ones that charge at the upper end of the scale will tout their experiece which could be true but if the lesser fee attorneys do the same work and get you the same result, we have a saying, " You can pay us less or others more, it's up to you"

How long does it take to file bankruptcy in MD?

There are two aspects to this question. The chapter 7 case itself, once it is opened by filing with the court is open for a little over 90 days in September, 2019. The issue of getting the case filed is usually reliant somewhat upon the client's ability to gather some documentation like paystubs, taxes, and bank statements for the court. We tell our clients, the quicker you get your homework to us and pay for your case, the quicker it will get filed.

In the case of a chapter 13 bankruptcy, the same remains for getting it filed although it is a little more involved than the chapter 7 filing. Once it is filed, your plan length will usually be from 36 to 60 months long where you get to repay debts and catch up on secured debts over that time period. Some say 10-12 months for the 7 but we believe it is more accurated to say approximately 90 days for the case until the case is discharge.

Do you always need lawyer for bankruptcy in the year 2019? Do you need a lawyer to represent you in a divorce proceeding? Do you need a lawyer to represent you if you have been charged with a crime? Do you need an accident lawyer to represent you when you have been injured?

The answer to these questions is the same as the answer to the question about bankruptcy. You don't have to have lawyers represent you by law, however, there is a saying that "the person who represents themselves has a fool for a client". Is it that bad? Well, we have seen some disasters come out of some situations when people, expecting the lawlessness of our current society run into the law in bankruptcy court.

It is not a pretty sight so depending on whether you can afford it, if you can, always get good representation. Although you can file Chapter 7 or Chapter 13 bankruptcy on your own, it often makes sense to hire a lawyer. Bankruptcy laws don't require debtors to have an attorney to file for bankruptcy relief. You are allowed to represent yourself in Chapter 7 or Chapter 13 bankruptcy as a pro se debtor. What kind of lawyer handles bankruptcy? Bankruptcy lawyers are lawyers who do a lot of this type of work.

Can you heart surgeon also help you with other medical issues?

Yes, of course, but we usually and the doctors like to stay in their lanes and do what they do best. A top notch criminal lawyer doing an involved bankruptcy matter might not be your best choice. You can be a member of the NACBA, National Association of Consumer Bankruptcy Attorneys but if you have a lot of experience, you don't need that to further prove your ability.

How much does a lawyer charge for Chapter 7?

attorneys.con maryland is a paid listing of bankruptcy lawyers, md lawyers, attorneys, and law firms. Your attention required when searching the cloudflare for the 10 best Bankruptcy attorneys in Baltimore. Many times, these are paid platforms to get the lawyers exposure. If you are in md in 2019 bankruptcy lawyer in maryland and attorney maryland ctor plmiro - could charge $1495 to be your bankruptcy attorney maryland plus the filing fee proumas odus law groupos, can find llc issues as well.

A top bankruptcy attorney in Maryland can be found by the super lawyers advertising group but it might burns you up to see the fees. The 10 best affordable bankruptcy lawyer's list is another group setting up a for profit platform to extract monies from the bankruptcy lawyers to get exposure on the internet. Attorneys in baltimore, MD in September, 2019 can be a Baltimore Maryland bankruptcy attorney and personal injury car accident lawyer and that shows that they do more than one kind of law.

Findlaw chapter 7 bankruptcy lawyer listings are another example of how other groups of people are putting themselves between the end consumer of the legal services and the lawyers just as vrbo and airbnb or other platforms do in the real estate rental business. They really don't necessarily add any value but they do strip profits from the providers of the services in Baltimore county and all of the counties throughout the state.

You can pay us less or others more

Legal Fees From

$525

Court Filing Fee

$335

Bankruptcy Courses

$20

Frest Start

$880

What people say about us

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