The Law Office of Joseph Laumann provides representation in the US Bankruptcy Court for the District of Maryland to those clients in need of Bankruptcy Assistance and Representation: Why Bankrutpcy? Do you have debt caused by a recent divorce? Are you tired of harassing phone calls from creditors about credit card bills? Are you late or delinquent on your mortgage or car payments? Have you lost your job or become disabled and can no longer pay your bills? Do you have overwhelming medical bills due to a sudden illness in the family? If you answered "YES" to any of the above questions, I may be able get you relief.  A Chapter 7 or Chapter 13 bankruptcy filing can provide you with a fresh start. I am a bankruptcy attorney providing exceptional, personalized counsel to clients with Chapter 7 and Chapter 13 bankruptcy needs throughout Anne Arundel County and the State of Maryland.  Sometimes, bad things happen to good people, and I am here to help you make the best out of a bad situation.

HOW CAN BANKRUPTCY BENEFIT YOU? Bankruptcy may make it possible for you to: - Eliminate the legal obligation to pay most or all of your debts to provide you with a fresh start. - Stop foreclosure on your home and allow you an opportunity to catch up on missed payments. - Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed. -Stop wage garnishment, debt collection harassment, and similar creditor actions. - Restore or prevent termination of utility service. - Challenge the claims of creditors who have committed fraud or who are otherwise trying to collect more than you really owe.   Who Can File for Chapter 7 Bankruptcy? If you are seeking a debt discharge, you must first qualify to file Chapter 7 through the means test, which assesses your income and expenses.  In general, Chapter 7 bankruptcy is a debt-relief solution for people who: - Owe significant unsecured debt - Are having difficulty making ends meet - Have no money left after paying monthly bills - Experienced a loss of income or have a lower income

Who Can File for Chapter 13 Bankruptcy? Any individual with a regular income who owes less than $336,900 in unsecured debt and $1,010,650 in secured debt may file a Chapter 13. The debts must be non-contingent and liquidated, meaning that they must be for a certain, fixed amount and not subject to any conditions.  However, corporations and partnerships may not file, and if you filed a prior bankruptcy petition and the prior proceeding was dismissed within the last 180 days, you may not be able to file a second petition.   CALL TODAY FOR A FREE CONSULTATION! Regardless of the reasons for your current financial hardship, I may be able help. I will provide a comprehensive analysis of your legal matter, and assist you in finding the most practical and economically feasible solution. I care about the needs and feelings of my clients and will take extra time getting to know you and your specific circumstances. I will personally assist you with all stages of the bankruptcy process; from the initial consultation, to preparing your paperwork, and being at your side at any required bankruptcy proceedings. If you have any questions or concerns related to bankruptcy, contact me today to schedule a FREE initial consultation. Telephone consultations are also available. PLEASE NOTE THAT AN ATTORNEY CLIENT RELATIONSHIP IS NOT CREATED BY SIMPLY CONTACTING THE LAW OFFICE OF JOSEPH LAUMANN