- Initial need by potential client to explore bankruptcy options (MD foreclosure, repossession, lawsuit, wage or bank garnishment, harassing phone calls, terrible credit score, need for a fresh start, etc.)
- Phone call or email to our office for initial contact.
- Setting of phone consultation with Maryland Bankruptcy Lawyer once client is ready to start process. You will need to have at least one half of your lawyer's fee available to get started.
- Phone consultation with Bankruptcy lawyer to determine best bankruptcy option for your situation or to inform potential client that bankruptcy is not available to them.
- Getting you started can be done through making an appointment with our office for a courier service company to bring all paperwork necessary to start process to home or work instead of having to come to our main office next to the state fairgrounds. Or, if desirable, we can email or mail your initial paperwork to you and you can pay your legal fees over the phone. In either case, your first payment is not made until your lawyer has reviewed your situation and is 100% confident that they can help you with either a chapter 7 or chapter 13 Bankruptcy case.
- Client handles "homework" by filling out questionnaire about themselves and gathers documents required by court such as pay stubs, tax returns, bank statements, etc. and returns information in envelope provided by office along with 2nd payment if full payment has not been made.
- Attorneys prepare bankruptcy filing and client pays filing fee, signs completed petition and our office files case with the United States Federal Bankruptcy Court. We obtain your case number which protects you from Foreclosure, repossession, wage and bank attachments, lawsuits, and all other collection efforts by your creditors.
- You will attend a hearing about a month later before a United States Trustee while we attend with you, representing you at the hearing.
- Approximately 60 days after your hearing, you will receive your discharge papers from the court stating you no longer owe your unsecured debts that were owed at the time of your filing. In the case of a chapter 13 filing, you will have to attend a 2nd hearing in order to get court approval for your reorganization plan, which we attend also.
- In a chapter 7 case, you get a Fresh Start and get to move on with your life! In a chapter 13 case, you make payments to the trustee in your case for the next 3-5 years which allows you to take control of your finances and stave off bad outcomes like foreclosure, repossession, wage garnishments etc.