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Bankruptcy Q&A

You have questions - we have answers! Check out some of the most common questions about filing for bankruptcy. Read FAQ

Why Hire Us?

Experience, honesty, and affordability have made us the #1 choice in Maryland for Consumer Bankruptcy for more than 31 years. Our Guarantee

Need to File Immediately?

Facing wage garnishment or foreclosure?We can file your bankruptcy within 24 hours! Let’s Get Started



  • We are a full service bankrupty law firm
  • Over 25 years experience
  • We’ve handled over 4,000 Chapter 7 cases
  • We’ve handled over 250 Chapter 13 cases
  • Immediate customer service 24/7
  • Affordable fees and payment plans
  • FREE consultation

Attorney David L. Ruben giving an update on bankruptcy in 2021.

Bankruptcy 2021 Update: H…

Maryland Bankruptcy Attorneys

A Note From David L. Ruben, Esquire:

Ever wonder how you’re going to make it through the month on your income? Bills come in, paychecks get eaten up faster than ever, and it seems as if there is no end in sight. If it’s any consolation, you’re just like millions of people around the country. Filing for bankruptcy in Maryland is a way off of the financial treadmill. You were taught that part of being good and honest person is that you pay your bills – no matter what. That’s why filing bankruptcy just seems…..wrong. But here’s the thing: bankruptcy was created not as a dishonest way to get out of paying your bills, but rather as a way to help people get back into financial shape. In fact, Congress passed the Bankruptcy Reform Act of 1978 to enable people to get out from under the strain of overwhelming debt in order to re-enter the stream of commerce. In other words, Congress specifically created the bankruptcy laws in order to help people get back on their feet and rejoin society. You’ll never know which option is right for you until you talk with someone who understands the pros and cons of all of them. Take the first step in getting answers by setting up a free, no-obligation phone, e-mail or office consultation.

Bankruptcy is Your Constitutional Right!

  • Have you received threatening or bothersome phone calls from bill collectors at home or at work?
  • Does your credit card debt appear to be never ending?
  • Are you afraid of potential wage garnishments?
  • Are fearful of losings your home to a foreclosure?
  • Are you afraid of having your vehicle repossessed?
If you have answered “Yes” to any of the above questions, then the Maryland Bankruptcy Center is prepared to help you. We can offer you debt relief and immediate help and protection. Stop living a life of stress and worry. CHAPTER 7 and CHAPTER 13 allow people like you who are being financially and emotionally ruined by overdue bills, harassing debt collectors, and the stress that comes from knowing that you are in over your head. Whether due to job loss, illness, addiction, divorce or maybe even just poor spending habits, filing Bankruptcy can help. Filing bankruptcy can help with debt problems and help people get back on track, successfully obtain mortgages, car loans and even new credit. Maryland bankruptcy attorneys David L. Ruben and Stacey A. Rogan have handled thousands of bankruptcy matters, including chapter 7 and chapter 13 cases.


The Maryland Bankruptcy Center is a full service bankruptcy law firm that will help you eliminate your debt in a professional, convenient and courteous manner every step of the way. We are experienced bankruptcy attorneys whose sole job it is to help you get back on your feet so you can get on with your life. Mr. Ruben has earned Martindale-Hubbell’s AV rating, which is the highest rating bestowed on attorneys for their professional knowledge and ability as well as ethical standards in the practice of law. Click on our Who We Are page to learn more about us. Click on Locations to find a Maryland location convenient to you.


Client’s choose the Maryland Bankruptcy Center because IMMEDIATE CUSTOMER SERVICE and EXCELLENT LEGAL COUNSEL is our primary objective. We offer a sympathetic and patient approach. Our fees are affordable and we offer payment plans in all cases. We have many convenient locations all over Maryland. CONTACT US now and you will receive a telephone call or an e-mail back from us almost immediately. We are available by phone or by computer 24 hours a day, 7 days a week, and our hard work and convenience doesn’t stop once you hire us. We will begin working on your case immediately. The harassing telephone calls at home and work will stop immediately. You will be represented in court by one of our an experienced bankrupcty lawyers in Maryland, and we will continue to work with you until your case is finished.

  • Complete legal analysis
  • Complete confidentiality
  • The Bankruptcy Court WILL accept your case
  • Instant relief from creditors
  • You WILL get your discharge

Filing for Bankruptcy in Maryland

Below are some FAQ’s on our website which you might find useful. You can also refer to our bankruptcy glossary of terms for an explanation of commonly used bankruptcy terms.

The Bankruptcy Process in Maryland

What’s the process for filing for bankruptcy in Maryland?

What’s the difference between filing for Chapter 7 and Chapter 13 bankruptcy?

If I’m married, does my spouse also have to file for bankruptcy?

How long does filing for a Chapter 7 bankruptcy usually take?

What is personal bankruptcy discharge?

What is a meeting of creditors?

What should and shouldn’t I do before filing for bankruptcy?

What else do I need to know before filing for bankruptcy in Maryland?

Financial Debt and Bankruptcy

What’s the difference between secured and unsecured debts?

How will bankruptcy affect my credit card debt?

Can I still file for bankruptcy if my wages are being garnished?

Can filing for bankruptcy prevent the foreclosure process?

How does filing taxes affect the bankruptcy process?

Will utility bills be eliminated if I file for bankruptcy?

If I file for bankruptcy, can I still keep my tax refund?

If I file for bankruptcy, can I keep my car if it’s still being financed?

Can filing for bankruptcy help with a credit card or loan judgement?

Life After Bankruptcy and Common Bankruptcy Myths

How can I rebuild my credit score after filing for bankruptcy?

Will I be able to buy a house after filing for bankruptcy?

Can I buy a car, or get a credit card after filing for bankruptcy?

Your Free Maryland Bankruptcy Consultation

Take the first step. CONTACT us now to get your Maryland bankruptcy questions answered by an experienced lawyer. ALL INITIAL CONSULTATIONS ARE FREE. You have nothing to lose and everything to gain by contacting us.

Your free consultation will include a comprehensive evaluation of your financial life. For example, we want to know what the problem is, as you see it. What are your debts, your assets, your income, and your expenses? We also want to know what your questions are and what you hope to achieve from the process. At the end of the personal meeting, you will have all the information you need to take the next steps.

To speak to an attorney now, call (410)766-4044, (301) 587-8900 or fill out the contact form and an attorney will get back to you as soon as possible.

Serving Clients in: Baltimore, Columbia, Glen Burnie, Towson, Annapolis, Pasadena, Rockville, Silver Spring, Laurel, College Park, Frederick, Ellicott City, Upper Marlboro, Landover, Lanham, Severn, Severna Park, Dundalk, Essex, Timonium, Catonsville, Brooklyn Park, Owings Mills, Reisterstown, Westminster, Eldersburg, Sykesville, Burtonsville, Odenton, Hanover, Prince George’s County, Howard County, Baltimore County, Montgomery County, Anne Arundel County, and Frederick County.

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