Filing for Bankruptcy in Baltimore, MD
Handling Cases Throughout the Entire State of Maryland
Facing the complexities of bankruptcy can be stressful. At Sanchez Garrison & Associates, LLC, you won’t have to navigate this process alone. Our bankruptcy lawyer can assist you in fulfilling all requirements, organizing essential documentation, and lodging your petition. From attending every hearing to guiding you through each phase, we offer comprehensive strategic advice and unwavering support.
Our legal services include:
- Chapter 7 bankruptcy: We help individuals liquidate eligible assets to pay off debts and obtain a fresh financial start.
- Chapter 13 bankruptcy: We assist in developing customized repayment plans to restructure and settle debts over 3-5 years.
- Debt reorganization and repayment: We provide alternatives like consolidating debts into one payment or negotiating reduced payoff amounts.
How to File for Bankruptcy in Maryland
Bankruptcy cases are handled exclusively in federal court. Depending on your location, you would file your petition with the U.S. Bankruptcy Court for the District of Maryland in Baltimore or another city. Filing can be completed in person, by mail, or through e-filing.
To qualify, you must show:
- You lived in Maryland for the past 180 days.
- You recently operated a business or held most of your assets in Maryland.
- You spent more time in Maryland than any other district in the past 180 days.
Before filing, you must complete:
- Credit counseling from an approved provider within 180 days.
- All required forms, with help from our attorney.
Understanding the Bankruptcy Process
Going through the bankruptcy process can be overwhelming and confusing. At Sanchez Garrison & Associates, our experienced bankruptcy attorneys are here to guide you through every step of the process and ensure that you make informed decisions.
Here is a general overview of the bankruptcy process:
- Evaluation: Our attorneys will evaluate your financial situation and determine if bankruptcy is the right option for you. We will consider factors such as your income, assets, and debts.
- Filing: If bankruptcy is the best solution, we will help you prepare and file the necessary paperwork with the bankruptcy court. This includes gathering financial documents, completing forms, and submitting the petition.
- Automatic Stay: Once your bankruptcy petition is filed, an automatic stay goes into effect. This means that creditors must immediately stop all collection actions, including lawsuits, wage garnishments, and phone calls.
- Meeting of Creditors: Approximately 4-6 weeks after filing, you will attend a meeting of creditors. This is a relatively informal meeting where you will answer questions under oath from the bankruptcy trustee. Our attorneys will be by your side to ensure that your rights are protected.
- Debt Discharge: If everything goes smoothly and there are no objections from creditors, you will receive a debt discharge. This means that your eligible debts will be legally eliminated, giving you a fresh start.
It's important to note that every bankruptcy case is unique, and the process may vary depending on your specific circumstances. Our dedicated bankruptcy attorneys will provide personalized guidance and support throughout the entire process, helping you achieve financial freedom.
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