BANKRUPTCY SHOULD BE ABOUT RENEWAL, NOT RUIN

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Are You Drowning in Debt? Our Baltimore Bankruptcy Attorneys Will Fight for You

You never thought you would be in this situation: You are living from paycheck to paycheck.  You have more debt than income. Bill collectors will not stop contacting you. Your debts keep incurring interest. You are not sure what you should do. Bankruptcy is a serious option for those in similar situations. Bankruptcy is the only legal way to eliminate your debts and get a financial fresh start. The U.S. Bankruptcy Courts oversee all bankruptcy petitions in Baltimore.

What are my bankruptcy options in Baltimore & Maryland?

In Baltimore, you have two personal bankruptcy chapters available to you:

  • Chapter 7
  • Chapter 13

Which Chapter of Bankruptcy Eliminates Unsecured Debts in Baltimore & Maryland?

Chapter 7 is the bankruptcy chapter for unsecured debts. Unsecured debts include any type of credit or loans obtained via a promise to pay. You did not need to give over collateral like a title to a vehicle or down payment to receive such credit or loans. Unsecured debts can include credit cards and payday loans.

After successful completion of the Chapter 7 process, a debtor (or individual seeking bankruptcy), can eliminate the following debts:

  • Old income taxes
  • Credit cards
  • Medical bills
  • Utility bills

This means that the debtor will no longer be responsible for paying those creditors back. The debts are forgiven forever.

Which Type of Bankruptcy Gives You the Option of Paying Down Your Debt?

Maryland & Baltimore Chapter 13 Gives You the Option of Paying Down Your Debt.

Chapter 13 is different from Chapter 7. It allows you to repay your creditors slowly over three to five years. The number of years depends on your specific plan. You make a monthly payment to your bankruptcy trustee. You also make your current monthly payments directly to your creditors. This bankruptcy chapter is for both unsecured and secured debts.

Will Filing Bankruptcy Eliminate All of My Debt?

In Maryland & Baltimore, Filing for Bankruptcy Can Not Eliminate Some Debt.

Filing for bankruptcy cannot eliminate the following types of debt:

  • Alimony
  • Child support
  • Fraudulent transactions
  • Most student loans
  • Personal injury case judgments when drunk driving was involved

What is the Automatic Stay?

The biggest advantage to filing for bankruptcy is the legal protection of the automatic stay. An automatic stay prevents a creditor from starting, continuing, or resolving any legal issue against you such as:

  • Wage garnishment
  • Foreclosure (this only applies to Chapter 13, not Chapter 7)
  • Lawsuits

Chapter 13 is the only bankruptcy chapter that can stop the foreclosure process in any stage. This includes stopping the sale of your home at an auction. As long as the auction is not completed, you can save your home with an automatic stay.

Hassan, Hassan & Tuchman, PA is Your Baltimore Bankruptcy Attorney

You have the legal right to file for bankruptcy if your debt has become an insurmountable problem. However, the U.S. Bankruptcy courts require you to complete certain tasks such as a credit counseling course and a means test. The means test is to determine which bankruptcy chapter you are eligible to use. You also have to appear at a creditors’ meeting.

Contact us immediately for help with getting your financial fresh start.

Why Choose Us?

Other clients feel they have a family lawyer.

Our clients feel they have a lawyer in the family.

Our competitors fear and respect us.

To quote one defense attorney, “I have been beaten up before at some proceedings, but not quite so thoroughly as done by HH& T”.

For over 40 years, almost all of our new clients have been referred by satisfied clients.

Our best advocates are our satisfied clients.

Client Feedback

Mr. Tuchman has been my attorney since 2006. He has helped me out with several work related injuries. He also helped my wife and I file for bankruptcy.  Our daughter was in a car accident and he helped her too. She needed therapy and another car. He was instrumental in getting her what she needed when she needed it.  We can reach out to him whenever we need him and he’s always there to answer any questions and guide us in what’s best for our future.

M & C Green

About seven years ago, I was injured at work and was referred to Lee Tuchman. He became more than a lawyer to me, he became a friend.  He helped me through a process that required long days, a lot of paperwork and phone calls.  Whenever I called his office, he always made time to talk with me. If you are looking for knowledge and perfection, you will find that in Mr. Tuchman. During those 7 years, he told me not to worry and I trusted him enough not too. If you ask my opinion, Lee Tuchman will work hard for you too.

D. Heath

Lee Tuchman is a great lawyer with a sense of flair of flair in his practice. He has diligently worked behind the scenes to ensure fantastic results for me. He has graciously handled several of my cases from 2012 until now. These cases vary from workman’s compensation to bankruptcy, all with astonishing results.

S Hicks

Our Attorneys

Lee Tuchman

Benjamin J. Hassan

Wallace Kleid

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