Our objective is to provide Chapter 7 and Chapter 13 with low fees and payment plans              Difficult and Hardship Cases Welcomed              Comlimentary Phone Consultation.               443 - 902 - 1962.      

Maryland Bankruptcy Low Fees
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Difficult and Hardship cases Welcomed
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Difficult and Hardship Cases Accepted for Chapters 7 & 13
Experienced gained in thousands of cases - Payment Plans - Low Fees

Client Comments

I highly recommend the office of Bruce Lamb for anyone who is considering Bankruptcy. Mr. Lamb carefully explained my bankruptcy and non bankruptcy options to me prior to my making any decision, worked with me with a low fee and a payment plan, and his concern for my case and professionalism exceeded my expectations. ~~ J.B.

Bruce Lamb is the lawyer you need to speak with about bankrupcy. He worked with me with a low fee and a payment plan, gave clear answers to my questions throughout the case so my case could be concluded without delays. You will find that he is a hard worker and cares about his clients and cases. ~~ C.B.

Excellent lawyer who took the time to explain all of my options before I made any decisions and met with me on a weekend to stop a wage atttachment. He is very knowledgeable. ~~ R.S.

A chapter 7 bankruptcy, often referred to as a straight bankruptcy, is a liquidation proceeding. The debtor turns over all non exempt assets to the bankruptcy trustee who then converts it to cash for distribution to the creditors. The debtor receives a discharge of all dischargeable debts usually within four months. Our Chapter 7 Discharge Rate is almost 100%. In the majority of bankurptcy cases the debtor has no assets that exceed available exemptions so he would not lose any assets which makes chapter 7 a desirable option as it will give that person a relatively prompt fresh start.

One of the primary purposes of Bankruptcy Law is to give a person, who is hopelessly overwhelmed with debt a fresh start by wiping out his or her debts. By law all actions against a debtor must cease once the documents are filed. This includes lawsuits, wage garnishment, repossessions, telephone collections, utility disconnects. Typical debts which are discharged include credit cards, medical bills, utilities, unsecured judgments, repossession's, personal loans, payday loans. Typical debts which are not discharged include, child support, student loans, tickets and most taxes. Debtor's must continue making payments on secured debts they are keeping such as house and car.

Maryland Chapter 7 Bankruptcy Timeline

Consultation with a Chicago bankruptcy lawyer at Gleason and Gleason. Your attorney prepares 30 to 40 page document including bankruptcy petition, means test, schedules, statement of financial affairs, declaration regarding electronic filing to be filed with the court. You review and sign documents to be filed with the court. You take a mandatory credit class over the phone or internet. Your case is filed electronically in our office. The bankruptcy court clerk notifies all creditors of bankruptcy filing via mail. Client takes second and final mandatory debtor education class over phone or internet. About 30 days after case filing the Chicago bankruptcy lawyer and client attend a "341" bankruptcy meeting or creditor's hearing with a hearing officer known as a trustee. The trustee generally reviews the bankruptcy petition and verbally asks the same questions asked in the paperwork. Approximately 60-70 days after the bankruptcy meeting the client receives a "discharge of debts" letter.

Maryland Chapter 13 Lawyer

Chapter 13 bankruptcy is also known as a reorganization bankruptcy. Chapter 13 bankruptcy is filed by individuals who want to pay off their debts over a period of three to five years. A chapter 13 can be filed if you are behind on your mortgage or car loan, and want to make up the missed payments over time and reinstate the original agreement. A chapter 13 can be filed for individuals who make too much to qualify for chapter 7 or are ineligible for chapter 7 because of a previous filing. A chapter 13 is a 3 to five years case it is more expensive than chapter 7. However most of the attorney fees can be included in the repayment plan. We can give you a quote over the phone.

Chapter 13 Bankruptcy Timeline

The procedure for Chapter 13 is very similar. However, the first payment is due 30 days after the case is filed. Approximately 4 or 5 weeks after your case is filed you have a meeting with the trustee. Approximately 1 month after that the repayment plan is approved by the bankruptcy court and you make payments for 3 to 5 years to the Chapter 13 trustee who then pays your creditors. Upon completion of plan payments you typically receive a discharge unless you filed a chapter 7 in the four years prior to the case being filed.

Bruce Lamb, Esquire
University of Baltimore J.D.
Johns Hopkins University MLA
Loyola University B.S.

Frequently asked questions:

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What is a chapter 11 bankruptcy?

What is the chapter 7 bankruptcy means test?

How is chapter 7 bankruptcy posted on an credit report?

What is chapter 7 bankruptcy exempt property?

What are chapter 7 bankruptcy exemptions?

What are chapter 7 bankruptcy forms?

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The content of this site does not form an attorney client relationship and not decision should be made without retaining an attorney. © Bruce Lamb, 2012