Representing All Greenbelt, & Surrounding Areas, MD

Silver Spring Bankruptcy Attorney

Experienced Bankruptcy Attorney In Silver Spring, MD

The Phillips Law Offices is led by an experienced bankruptcy attorney who is here to represent debtors in Silver Spring, MD. If you are considering filing for Chapter 7 or 13 bankruptcy, then you will want to contact the firm today. Jill Phillips has more than 20 years of experience and knows all of the ins and outs of Chapter 7 and Chapter 13 cases. She’s also very affordable which makes her a great choice for anyone looking to get out from under their debts quickly and affordably. There are no upfront costs so it doesn’t cost anything to find out if the law firm can help you with your case.

Attorney Phillips as a Silver Spring bankruptcy lawyer understands that many people are struggling with debts today, but there are solutions to get her clients back on track and she will guide her clients through the process.

Trouble making payments?

Silver Spring, Maryland, is a rapidly developing and quickly changing city that is located within the Washington-Baltimore metropolitan area. Silver Spring’s location near to both Baltimore and Washington D.C., as well as its close proximity to I-95 and public transportation options makes it an attractive choice for workers who commute to either of these cities or who travel up and down the I-95 corridor on a daily basis. Silver Spring has long been known as a center of business in the state of Maryland, but recent changes have brought Silver Spring into new prominence among professionals involved with bankruptcy law.

Silver Spring’s geographic location attracts attorneys and other professionals who work with individuals filing for bankruptcy protection.

Discharge Medical Bills With A Silver Spring Bankruptcy Attorney

Often times medical bills can get out of hand. When this happens bankruptcy may be a viable option for alleviating some of the stress and expense.

Medical Debt and Bankruptcy: When Medical Bills Are Discharged Through Filing

When someone files for Chapter 7 or Chapter 13 bankruptcy, there is an automatic stay that goes into effect which stops all creditor activity immediately. Additionally, Section 523(a)(5) of the bankruptcy code prohibits medical debt from appearing on credit reports. This means that once a person has filed for bankruptcy, their medical bills will not affect their credit score and they cannot be contacted by lenders regarding any unpaid medical debts. 

Chapter 7 Filing

Medical debt is one of the major reasons people file for bankruptcy. The number of families that are having to declare bankruptcy after getting slammed with medical debt is increasing every year.

Why not let the law help you get rid of this problem?

Our nation has an official process for dealing with medical debt, and it’s called Chapter 7 bankruptcy.

Chapter 7 bankruptcy will discharge (eliminate) your unsecured debts like medical bills, credit cards… even old utility bills or gym membership fees can be included! These types of unsecured debts will be dischargeable in a successful Chapter 7 bankruptcy case if they fall within certain guidelines set forth by the Bankruptcy Code.

Chapter 13 Filing

One in five Americans has trouble paying their medical bills, according to a 2016 Kaiser Family Foundation study, and three-quarters of them have difficulty paying because they simply don’t earn enough money.

A Chapter 13 bankruptcy can help wipe out or reduce that debt, through a repayment plan, based on what your can actually afford and not what the creditors want you to pay. A Chapter 13 bankruptcy lets you reorganize your finances, setting up a payment schedule to pay off creditors over three to five years.

“This can be incredibly helpful in clearing medical debt,” said Attorney Jill Phillips, who writes in this site’s “Bankruptcy Blog.”

Using The Automatic Stay

Are medical bills giving you a headache? Do medical bill collectors harass you about medical bills you cannot pay? The federal Bankruptcy Code includes an automatic stay that stops medical bill collectors from harassing you.

The automatic stay is the first process used by a Silver Spring bankruptcy attorney in filing for relief under Title XI to stop medical bill collectors from contacting and harassing you.

Debt Settlement Services

If you are paying debt on top of debt because of high medical bills that resulted from unemployment or an injury, then you need to consider debt settlement.

When using debt settlement, debt relief attorneys in Silver Spring will work with your creditors to reduce the amount owed by as much as 50% and make it manageable for you. They do this by negotiating a reduced lump sum payment or even settle debt for pennies on each dollar they are owed.

Some benefits of debt relief include:

  • Stop harassing calls from creditors
  • Stop wage garnishments
  • Stop creditor lawsuits

Adversary Proceeding & Litigation

The Phillips Law Offices can defend any challenge by your Trustee or Creditors in the Bankruptcy Court and help protect your right as an individual debtor against their attempts at interference with your right to a fresh start, while also ensuring orderly proceedings are followed through all steps necessary until final approval has been granted from courts allowing your discharge of debt to be entered.

Talk to a Silver Springs bankruptcy attorney. Learn more about their expertise.

Claim Your FREE Consultation With A Silver Springs Bankruptcy Attorney

The Phillips Law Office offers a free initial consultation with no strings attached. Our bankruptcy lawyers in Massachusetts will examine your case and give you a possible course of action.

There’s also more we can do for you. Get in touch, and let’s start with a conversation about your debts.

Don’t wait, if you want a free consultation with a Silver Springs Bankruptcy Attorney, contact us today for a virtual zoom debt relief meeting.

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