debt relief

You owe a debt and have not paid it.  It may not be your fault, you may be in a tough financial position.  If this sounds like you, there are steps you can take and should consider protecting yourself from legal action and to stop the letters and phone calls.  If a debt collector or …

How do I stop debt collector Harassment? Read More »

Student loan debt is a significant factor in the financial dilemmas many people face. If debt has significantly affected your life or you’re having trouble making payments, you may be considering bankruptcy as an option for debt relief. In this blog post, we go over the basics of what you need to know about student …

Student Loans and Bankruptcy: The Basic Guide Read More »

Due to the competitive, evolving market that exists today, many Maryland businesses struggle to bring in steady cash flow. This can cause significant problems when it comes to paying off creditors. Fortunately, a company doesn’t have to close its doors if it can’t pay off its debt. Filing for Chapter 11 Bankruptcy is just one …

How to Know Filing for Chapter 11 Bankruptcy Is the Best Choice for Your Business Read More »

Can you still file for bankruptcy during COVID-19 restrictions? The short answer is: yes. On March 19, 2020, the Governor of Maryland issued an executive order closing bars and many other businesses across the state in response to the COVID-19 pandemic. Although the state lifted many restrictions on June 6, 2020, some conditions remained in …

Filing for Maryland Bankruptcy During COVID-19 Read More »

Anyone suffering from overwhelming credit card debts, student loans, mortgage payments, and medical bills can file a Chapter 7 Bankruptcy to get a fresh start, but they must first pass the Maryland Means Test. It takes your family size, expenses, and income into account to determine if you have sufficient disposable income for debt repayment. …

All About the Maryland Means Test Read More »

Cash is king, that is what we were all taught growing up.  In my grand-parents generation, if you did not have the money in the bank or your wallet to buy something you did not.  The thought of paying for your groceries or a meal out at a restaurant on credit was unheard of.  Oh …

How To Negotiate Credit Card Debt Read More »

If you have been threatened by a law suit form a Creditor, or even had a judgement entered against you for an old debt, you may have come to an agreement on payment terms.  At the time, it may have even seemed like a good idea.  However, often life gets in the way and circumstances …

What Income is Protected From Paying Your Debts in Massachusetts? Read More »

So you work for the Federal Government.  You were banking on your salary and the government would take care of you, while you were serving your country.  You may be making $80,000 a year, rather than working for the private sector where you could have made twice that.  You thought it would be better to …

How to Deal with Your Debt During A Government Shutdown? Read More »