Chapter 7 and Chapter 13              Low fees              Payment plans              Difficult and Hardship Cases Welcomed              Complimentary Phone Consultation.               410-484-4900 24/7/365.      

Cheap Bankruptcy Lawyer
Chapter 7 and Chapter 13
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Low Fees - Payment Plans
Difficult and Hardship cases Welcomed
Complimentary Telephone Consultation
410 - 484 - 4900   24/7/365

Difficult and Hardship Cases Accepted for Chapters 7 & 13
Payment Plans - Low Fees
Experienced gained in thousands of cases
Evening & Weekend Appointments
Complimentary Telephone Consultation
410 - 484 - 4900     24/7/365

Among the tell tale signals that that Bankruptcy will be helpful for you is if the interest on your credit card accounts and bank loans are preventing you from paying down your monthly bills on a regular time table. Often what many persons in debt experience is that all of the money they are paying to their creditors is being applied to late charges and interest.

When this happens, even though you are making regular payments the bills actually increase. This is frequently due to the fact that many credit cards have very high rates of interest.

When this is happening most of the monthly payment is being devoted to interest, late fees, default fees and sometimes legal fees and court costs.

Another signal that bankruptcy maybe able to help is in the event that the debtor is making payments on secured property such as a house or a vehicle and the value of the house or vehicle is less than the current value of the car or vehicle.

Certain types of actions in certain types of bankruptcy cases may enable a debtor to reduct the value of the house or vehicle to its current value and in some instances the interest rate can sometimes be reduced

What many debtors do not realize is that generally, the longer a person is in debt, the longer their credit will be negative. At the point of time that a bankruptcy case is filed, automatic order of relief is generated by the court that prevents creditors from taking certain legal action against the person that filed bankruptcy.

In Chapter seven cases, the bankruptcy court schedules a hearing within a few weeks. This hearing is often referred to as the three forty one hearing. The name is taken from that section of the bankruptcy code. Although creditors are given notice to appear at the hearing in practice most creditors do not actually appear. Even if creditors do not appear, they have right to contest the bankruptcy case by way of filing an adversary proceeding. The actual hearing is conducted by a kind of junior judge called a trustee.

A trustee, usually an attorney, swears the debtor under oath and asks questions. The purpose of the questions is to determine if the debtor has any assets that are exceed the debtor's claim of exemption and would be available for distribution.

A Chapter 7 Bankruptcy case is the type of case in which the debtor dedicates all of the assets to a trustee. The trustee is charged with the responsibility of liquidating all of the non exempt assets for distribution to all of the creditors who file claims. A Chapter 7 case is very different from a chapter 13 case in which the debtor makes payments to the trustee.

Creditors have the right to contest a chapter seven or chapter thirteen bankruptcy case in different ways. The first method that permits a creditor to contest a bankruptcy case is to file a proceeding to except the debt from the general discharge. In the event that they Will be successful, the debtor will obtain a discharge but that creditor's debt will not be discharged.

The second method is to contest the discharge itself. In the event that the cred tor will be successful the entire discharge will be denied. Upon receipt of your call we can provide the foundations for these types of proceedings.

Client Comments

I was very impressed with your dedication to my case, answering all of my questions throughout the case, obtaining my discharge without delay and getting back the money taken in the wage attachment. If anyone needs to file bankruptcy you are the lawyer they need to call. ~~K.B.

" Your representation was outstanding in recovering thousands of dollars I paid out in a debt consolidation scam, properly representing me in a bankruptcy and getting all my debts eliminated at a low fee and less than one half of what I paid to them. What was most important to me was your integrity and clear answers to my questions." ~~D.G.

" Thanks for taking over my chapter 13 case which enabled me to save my house. " ~~ W.S.

" Many thanks for a job well done in getting my tax debts and other claims eliminated and being available to answer all of my questions throughout my case." ~~B.W.

" I was surprised to learn how the debt settlement company I saw on television took advantage of me. Thank you for getting my money back from them, properly filing my bankruptcy and saving my house. I recommend your services. " ~~H.M.

" I appreciate your meeting with me on the weekends so I did not have to lose time from work."~~N.T.

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

Common Bankruptcy Terms
Revoke To cancel or rescind a legal document

Right of way The right to pass over the land of another

Robinson-Patman Act amendment to the Clayton Act that deals with price discrimination

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cheap bankruptcy lawyers in Baltimore Maryland may be located on the internet Reversible error procedural mistake during a trial or hearing serious enough to require reversing a court's decision

Revocable trust trust that the grantor may revoke or change

bankruptcy lawyers in Maryland are in every city

detinue - at common law, an action to recover personal property

Social Security - federal old-age pension for employed persons. Part of the payments are deducted from the employee's salary and an equal portion is contributed by the employer

Statute - a single act of a legislature or a body of acts that are collected and arranged for a session of a legislature; Legislative enactment

Statute of frauds - statutory requirement that certain contracts must be in writing

Statute of limitations - statute which limits the right of the plaintiff to file an action unless it is done within a specified time period after the occurrence.

Statutory - created or defined by a law, relating to a statute

Statutory construction - Process by which a court seeks to interpret the meaning or scope of legislation

law of the case - a ruling made at trial and not challenged on appeal

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Rescission - undoing, nullification, or repeal of a contract

Research - inquiry, investigation, or careful hunting for facts or truth about a subject;

Resolution formal adoption of a motion

Statutory law - Laws passed by state legislatures and Congress

Respondent person against whom an appeal is taken, as opposed to the petitioner

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Chapter 7 bankruptcy in Maryland is filed in the United States District Court for the District of Maryland

Chapter 13 bankruptcy Maryland involves writing a plan to pay off a portion of your debts

personal bankruptcy Maryland is a way for an individual to discharge his or her debts

Maryland bankruptcy laws are partly Federal, partly state

Filing bankruptcy in Maryland is often the best choice for a debtor

Bankruptcy records Maryland may be accessed through the Federal PACER system

Bankruptcy attorney Maryland A bankruptcy attorney can help you choose the best alternative for you.

Business bankruptcy Maryland is a way for a business to get rid of debt, re-organize, and start fresh

Bankruptcy court of Maryland sits in Greenbelt and also in Baltimore City.

How much does bankruptcy cost Maryland? Costs vary, as every case is different.

Cheap bankruptcy lawyers in Maryland can be found in all counties

Maryland chapter 7 is a way for an individual or married couple to discharge all of their debt at once.

Are bankruptcy attorney fees tax deductible? Ordinarily, bankruptcy fees are not tax deductible

Average bankruptcy attorney fees. It does not make sense to compute an average for bankruptcy attorney fees, as each case is different.

Maryland filing bankruptcy. A person domiciled in Maryland must file in Maryland.

Maryland bankruptcy information. Bankruptcy information is readily available on the Web.

Maryland bankruptcy lawyer directory. There is no specific bankruptcy lawyer directory for Maryland.

Best bankruptcy lawyer Maryland. The best bankruptcy lawyer for you will be the one with the most skill and experience in bankruptcy.

Cheap bankruptcy lawyers in Maryland are available.

Garnishment - process by which property, such as bank accounts or wages may be intercepted by a creditor. Bankruptcy proceedings can stop garnishments immediately.

Legal helpers bankruptcy. Some unscrupulous preparers attempt to sell you a bankruptcy which is not prepared by a lawyer. The bankruptcy courts take a very dim view of this practice, since petitions by these practitioners very often cause additional problems for the debtor, including additional expense and even denial of discharge.

Find bankruptcy attorney. You can find a bankruptcy attorney through the phone book or on the web.

Good bankruptcy attorney. A good bankruptcy attorney can advise you on ways to protect your property from creditors.

Part of your income tax debts may be dis chargeable in bankruptcy; the rules are complicated, and you will need to consult with a Maryland bankruptcy attorney (but it could be well worth the money!)

Exemptions. In Maryland, any debtor can exempt up to $12,500 in personal property and household goods.

Robbery Felonious taking of another's property, by means of fear or force from the immediate presence or the person and against that person's will,

Rules Established standards, regulations, or guides established up by authority

Rules of evidence Standards governing whether evidence in a civil or criminal case is admissible

detinue - at common law, an action to recover personal property

No Bill - insufficient evidence to charge a person with a crime

No-contest Clause - Language in a will that provides that if a person makes a legal challenge to the will's validity that person will be disinherited

Title - legal ownership.

Oath - solemn pledge done with the sense of responsibility in attestation of the truth of a statement in question or in verification of a statement made

Noise Control Act - act which gives government agencies the right to promulgate standards and regulations relating to abatement of noise emissions


cheap bankruptcy lawyers in Baltimore Maryland. Lawyers fees vary, depending on the size of their practice and the scope representation they provide.

Bankruptcy lawyers in Maryland. Bankruptcy lawyers in Maryland are all members of the Federal bar.

cheap bankruptcy lawyers in Maryland. Lawyers charge differing fees for cases of varying complexity.

Free bankruptcy lawyers. The bankruptcy court maintains a list of pro bono attorneys for clients who are unable to afford an attorney.

Student loans - Student loan debt is a heavy and increasing burden for most people. Generally, student loan debt is not dischargeable in bankruptcy, though there is are exceptions for undue hardship -- usually a severe and permanent disability -- as well as for bills incurred through for certain fraudulent diploma mills. You should consult an attorney to see if you qualify.

low cost bankruptcy lawyers. In many cases, the cost of a bankruptcy is less than the cost of paying off outstanding debt.

finding cheap bankruptcy lawyers for you. You can call a number of the lawyers listed on the internet, but the cheapest lawyer may not be the right lawyer for you.

cheap chapter 13 bankruptcy. A chapter 13 generally costs more than a chapter 7.

cheap bankruptcy. Lawyers charge less when the estate does not involve real estate or back taxes.

questions to ask bankruptcy lawyer. You will want to know about your lawyer's experience and training.

fresh start: bankruptcy offers debtors a fresh start by getting rid of unsecured debt and judgments.

Spendthrift trust - trust set up for the benefit of a party that the grantor believes would be incapable of managing his or her own financial affairs

Standard of proof - The degree to which the point must be proven. In a certain civil cases, the actual burden of proof rests with the plaintiff, who must establish his or her case by such standards of proof as clear and convincing evidence or a preponderance of evidence.

Standing - legal right to bring a lawsuit. Only a person with something at stake has standing to bring a lawsuit by a cheap bankruptcy lawyer

Show-cause order - this is a contempt proceeding, in which a party and/or an attorney is summoned before a judge to explain why some action was taken or not taken.

Search warrant - written order by a judge to search a specific area for a named piece of evidence. With a few well defined exceptions, a search warrant is required if any evidence seized is to be admissible in court.

Seal - to authenticate or make binding by affixing a seal; To mark a document with a seal. The term seal may refer to a court seal or a corporate seal

Bankruptcy attorney. A bankruptcy attorney is a member of the Federal bar.

cheap bankruptcy lawyers in Maryland. You can research lawyers fees yourself by asking an attorney for details of his or her fee structure.

Specific performance - requirement that a person who has breached a contract to perform specifically what he or she has agreed to do, such as to peer form a service or transfer property. Specific performance is ordered when damages would be inadequate compensation

Speedy Trial Act - Federal law establishing time limits for carrying out major events, such as indictment, or arraignment, in a criminal prosecution

Secondary authority - treatises, legal encyclopedias, legal texts, citators and law review articles. Secondary authorities are writings which set forth the opinion of the writer as to the law

Secured debts - Debt secured by a right to repossess the property or goods used as collateral

Securities an Exchange Commission - Federal agency which monitors the securities industry

Return report to a judge by police on the implementation of an arrest or search warrant. Also, a report to a judge in reply to a civil or criminal subpoena.

Reverse action of a higher court in setting aside or revoking a lower court decision cheap bankruptcy attorneys <

Sequester - To separate a jury. Sometimes juries are separated from outside influences during their deliberations. For example, this may occur during a highly publicized trial

Sequestration of witnesses - Keeping all witnesses except plaintiff and defendant out of the courtroom except for the time they are testifying, and cautioning them not to discuss their testimony with other witnesses. Also referred to as separation of witnesses.

step-up - In chapter 13 bankruptcy proceedings, an increase in the payments that kicks in once a secured debt is paid off.

Restitution Act of restoring property to its rightful owner; the act of restoring someone to an economic position he or she enjoyed before a loss

Retainer Act of the client in employing the attorney or counsel, and also denotes the fee which the client pays when he or she retains the attorney to act for them

Social Security Administration - federal agency which administers the national social security program

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means test - in Chapter 7 and Chapter 13 bankruptcy proceedings. a means test is applied to determine eligibility. A debtor whose income is less than the median income for his or her state will be eligible for chapter 7 bankruptcy, eliminating virtually all her debt, while a debtor whose income is greater than the median can only file under chapter 13, meaning that she will have to pay back a portion of the debt. Social Security Tax - payroll deduction based on gross wages paid; the amount of this tax is matched by the employer as required by the Federal Insurance Contribution Act

Sovereign Immunity - doctrine that the government, state or federal, is immune to lawsuit unless it give its consent

Self-defense - an act otherwise prohibited but lawfully justifiable because it was needed to protect a person or property from the danger or activeness of another

Self-incrimination, allow against: - The privilege of a witness to refuse to testify against himself or herself if such testimony could result in criminal prosecution. The tract is secured in the Fifth Amendment to the United States Constitution. Asserting this privilege is often referred to as taking the Fifth.

Self-proving gift - will whose validity need to be testified to in tribunal by the witnesses to it, since the witnesses executed an affidavit reflecting suitable execution of the gift prior to the testator's death

Time - in the penal context, a term of incarceration ordered by a legislature as punishment for a crime

Rest close of one side's case

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questions to ask bankruptcy lawyer: some questions to ask a bankruptcy lawyer are: Can a keep any of my property? Can I keep my pension? What happens if I am being sued? Are taxes or student loans dischargeable in bankruptcy? How about parking tickets?

Bankruptcy legal aid: the bankruptcy court does provide representation for indigent persons.

what to look for in a bankruptcy attorney look for training and experience.

cheap bankruptcy attorney attorney as legal fees vary, some lawyers charge less than others for the same work Sidebar - discussion between the lawyers and the judge, usually in the room, out of the hearing of the jury and spectators

Charge - Formal accusation of a crime.

Notary Public - semipublic official authorized to administer oaths, to declare and testify to documents.

Observation - Starchy request to the company sued in a national framing of the fact that the proceedings has been filed. Also, any constitute of request of a juristic proceeding

Notice to creditors - notice from the bankruptcy court to all creditors of a meeting of creditors

Minute Line SBA - federal office which provides resource of all kinds, including loans, to small businesses

Cheap bankruptcy lawyers near me. Most lawyers are happy to represent a client who lives within fifty miles of the office.

Bankruptcy attorneys fees. Fees vary, as cases vary.

Free bankruptcy attorney. Free bankruptcy attorneys are available to the truly indigent through the bar.

Questions to ask a bankruptcy attorney. You will want to know if a bankruptcy will cost you your house, car, or pension fund.

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cheap bankruptcy lawyers in MD: Maryland has some excellent inexpensive bankruptcy lawers. Restatement digest of statutes and decisions which tells what the law is on a specific point.

Position offenders - Youths found to be habitually fractious. Also referred to as children in need of supervision

Shepardizing - Researching subsequent cases citing a specific opinion using Shepard's directory.

Sheriff - The principal law enforcement officer of a county

Chapter 13 bankruptcy lawyers near me. The Federal bar can also provide you with the names of chapter 13 lawyers near you.

Cheap bankruptcy lawyers in Maryland. Maryland has a number of attorneys who specialize in bankruptcies.

Finding cheap bankruptcy lawyers for you. You can also as friends and co-workers to recommend a bankruptcy lawyer.

No-fault Transactions - civil action in which parties may reckon their fence without a perfunctory holding of fault or evil

Nonfeasance - Failure to perform an act which should be performed; deletion to execute a required obligation or summate omit of duty

Nonjury trial - trial in which a judge, rather than a jury, is the finder of fact.

Nuncupative testament - oral will, not valid in Maryland.

stet - In Maryland, a case is said to be "stetted" when it is placed on the inactive docket. A stet is neither a conviction nor an acquittal; during the first year following the decision, it can be reopened by eitehr side for any reason or for no reason at all. During the next two years, a stet can only be reopened on a motion to the court and with the court's permission.

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service of process - service of writs, summonses, and subpoenas by delivering them to the parties named in the document.

Settlement - arrangement between the parties disposing of a cause cheap bankruptcy lawyer Settlor - Person who creates a trust.

cheap bankruptcy lawyers in Baltimore Maryland Baltimore has many low-cost bankruptcy lawyers.

Bankruptcy lawyers in Maryland are members of the Federal bar, licensed to practice in the District of Maryland.

Maryland bankruptcy attorney a Maryland bankruptcy attorney is familiar with the interaction of the Federal bankruptcy code with Maryland laws and cases .

Maryland bankruptcy lawyer Nary land bankruptcy attorney can obtain the largest number of exemptions for you while still discharging your debt.

Maryland bankruptcy laws bankruptcies are controlled by Federal law, but matters such exemptions are found under Maryland law.

affordable bankruptcy attorney you should be able to find an attorney within your budget

Bankruptcy attorney fees bankruptcy fees vary with the complexity and scope of the case. To view in Spanish click on link: Spanish

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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