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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.
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