I have been licensed to practice law since 1991. My typical clients are individuals facing overwhelming debt issues, separating/divorcing spouses facing marital debt, and former business owners who have personally guaranteed their business debt.

I am very aware of the emotional toll and strain caused by an inability to keep up with house payments, credit card payments, and other financial obligations. I try to listen to my clients patiently, return calls promptly, and help them achieve their objectives in a relaxed, friendly atmosphere. After an initial meeting with a client, I make recommendations regarding the best way to deal with that client’s particular situation. It is always best to avoid filing a bankruptcy, if at all possible. I will explore these alternatives for my client, rather than immediately filing a bankruptcy.

In some situations, a bankruptcy filing is necessary. If my client is behind on a mortgage, and the lender is not willing to be reasonable, a Chapter 13 bankruptcy will stop a foreclosure action and auction of the home. If my client is faced with judgments and overwhelming credit card debt, and does not have access to lump sums in order to negotiate settlements with the creditors, a Chapter 7 bankruptcy will allow a “fresh start” and discharge those debts. If the IRS or the State of Maryland are garnishing salary or attaching assets, in some situations certain taxes may be dischargeable and a bankruptcy filing can stop collection activity.

The Law Offices of Carolyn Gilden Krohn is a federally designated debt relief agency pursuant to
Title 11 of the United States Code, to help people file for relief under the Bankruptcy Code.

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For more information, or for a free consultation, please call:
Fax: (410)573-2811

Send email to:

Law Office of Carolyn Gilden Krohn
2521 Riva Road, Suite 3
Annapolis, Maryland 21401