Bankruptcy Law & Bankruptcy Filing
Bankruptcy Filing and Litigation for Anne Arundel County, Baltimore and Washington, DC
Whether you’re buried in debt, or you’re at risk of losing your home, bankruptcy affords individuals like you an opportunity to discharge debt and start fresh. Your family’s financial well-being requires honest, accurate legal advice and efficient filing that will help stop collection calls, wage garnishments, foreclosure and repossessions. Blackford & Flohr is an established Maryland-based firm with on-staff bankruptcy attorneys. We understand the intricacies of Chapter 7, Chapter 11 and Chapter 13 bankruptcy process and litigation in federal bankruptcy court.
Call us today for a free consultation; our team can help you with same-day bankruptcy filing in Maryland courts:
Blackford & Flohr has decades of combined experience with bankruptcy litigation in the District of Maryland’s bankruptcy court. We provide comprehensive legal counsel, supplying clients with honest legal advice in filing Chapter 7, Chapter 11 or Chapter 13 bankruptcy. In addition, we offer legal representation in 341 meetings and bankruptcy hearings. We provide clients with:
- • Guidance regarding types of bankruptcy filing and which one may be best suited to help you achieve your financial goals
- • Legal advice regarding difficulties or risks related to your filing
- • Counsel during the process, explaining various steps, informing you of what to expect and providing regular updates related to the case
Our firm’s bankruptcy services include:
Chapter 7 is typically filed by individuals, and is often referred to as liquidation bankruptcy. The process allows debtors to discharge most debts, including credit card debt, medical bills and collection agency accounts. When you file Chapter 7, an “automatic stay” goes into immediate effect, which prohibits creditors from harassing you. Blackford & Flohr helps clients file quickly with a plan to protect our clients’ financial futures.
Chapter 13 bankruptcy allows individuals with regular income to develop a plan to repay all or a portion of their debts. A bankruptcy attorney can help you propose a plan that is accepted by the court and ensures that your monthly payment is within your means. Blackford & Flohr provides bankruptcy litigation in Chapter 13 proceedings to help our clients receive the most favorable repayment terms.
Chapter 11 is most commonly filed by businesses, including corporations, partnerships and sole proprietors. Filing Chapter 11 allows the business owner to stay in operation during proceedings, as well as an opportunity to restructure and reorganize debts. Businesses then create a reorganization plan that must be approved by creditors.
A 341 hearing, commonly called a creditors’ meeting, is an informal meeting between the debtor and the court-appointed bankruptcy trustee. During the informal hearing, the trustee may ask questions regarding your bankruptcy and your completed paperwork. This is often the only time you will be required to visit the courthouse. We provide counsel at bankruptcy hearings.
Bankruptcy filing is a complex process, requiring filers to complete a large packet of legal forms. Each type of bankruptcy requires its own set of forms, and additional forms may be required following the initial filing. To prevent delays and dismissal of the case, these forms must be accurate and filed on time. Blackford & Flohr provides accurate and efficient filing preparation, and we file the completed paperwork with the court.