Gaithersburg Chapter 7 Bankruptcy Attorney

Chapter 7 bankruptcy may be an appropriate solution for you if you cannot pay your debts. Under Chapter 7 bankruptcy, most all of the debtor’s debts will be discharged, allowing him or her to make a fresh start. The new bankruptcy law that went into effect in October 2005 does not remove the option of personal bankruptcy, but it does put in place means testing designed to determine, under IRS standards, whether an individual pursing bankruptcy qualifies for debt elimination via Chapter 7. Under Chapter 7 bankruptcy, the trustee may liquidate a debtor’s nonexempt property to satisfy creditors.

Contact me at Lawrence T. Robinson Law Office in Gaithersburg, Maryland, to learn more about debt relief through consumer bankruptcy. I will honestly advise you whether you should file for bankruptcy or seek an alternative solution to your financial problem. Your debt problem will not go away if you are truly in over your head in credit card debt, medical bills, and other unmanageable financial obligations.

Tax Lien? Wage Attachment? Contact a Bankruptcy Lawyer

You may be considering Chapter 7 bankruptcy after receiving notice of a pending tax lien or wage garnishment. A knowledgeable bankruptcy lawyer, Lawrence T. Robinson, can help you determine whether you qualify, and decide whether Chapter 7 bankruptcy is your best option. You may even be able to receive a refund of some or all of your wage garnishment.

Chapter 7 or Chapter 13?

Each case is different and requires an evaluation of your specific situation and needs. I will discuss with you your specific situation, which bankruptcy you are eligible for and what I feel is the best overall situation for you to resolve your financial problem. If bankruptcy is not the best answer, I will let you know the alternatives.

Stop Foreclosure

Dealing with financial difficulties can cause stress, tension, and problems in your life. You may feel like you are in over your head, and not know where to turn. Creditors may be calling you constantly and they are usually not too polite in their threats to take away your assets. If you owe too much debt, you may just be paying interest and never pay off the debt. Stop the wage garnishment, repossession, or foreclosure and creditor harassment.

Get Back in Control of your Finances

Chapter 7 bankruptcy, or personal bankruptcy, can offer an opportunity to eliminate many if not all your debts. Get yourself back in control of your finances and start on the road to financial recovery. You may even be entitled to a refund of a wage attachment and other relief afforded under a Chapter 7 bankruptcy.

Contact me to schedule a free initial consultation regarding Chapter 7 (debt elimination) or Chapter 13 (debt restructuring) bankruptcy.

By Your Side throughout the Bankruptcy Process

If you decide to file for bankruptcy, once we have worked out a retainer agreement and prepared the bankruptcy petition, I will electronically file your petition with the court. I will let you know when the bankruptcy proceeding will be and exactly what will happen at the proceeding so you can be prepared. I will guide you confidently through the bankruptcy process as you move toward a new future.

Gather Your Bills and Contact Me

Gather your bills and contact me. If you do not have all of your bills or are not sure of what you owe you should obtain credit reports from the three credit bureaus. If you are a Maryland resident, you are entitled to one free credit report a year. The toll free numbers for obtaining your credit reports are as follows: Equifax - (800) 685-1111; Experian - (888) 397-3742; and Trans Union - (800) 888-4213.

Bankruptcy Disclaimer – The services or benefits provided are with respect to bankruptcy relief under Title 11 of the U.S. Bankruptcy Code. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.