I hope you are having a great Sunday. My name is David Ruben and I have been a bankruptcy lawyer in Maryland for almost 23 years. I love what I do. Tommorrow is one of those rare days that I do not have to appear in court, so I was thinking about wha…
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I enjoy looking around on the web and reading what other lawyers have to say. Just today I came across a list of DO’s and DON’Ts for filing bankruptcy by Carmen Dellutri, a well-respected bankruptcy attorney in the state of Florida. The inter…
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There are two type of bankruptcy for individuals, Chapter 7 and Chapter 13. Chapter 7 is for people who cannot afford to pay their bills and do not have a lot of property. Chapter 7 is not a restructuring, it is a complete elimination of all debt and…
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A question people ask is if there is a way to remove a dismissed Chapter 7 bankruptcy. Once a Chapter 7 bankruptcy is dismissed, it cannot be removed. However, if a Chapter 7 bankruptcy is dismissed, the debtor simply needs to wait 180 days (6 months…
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If a debtor has “defaulted” on a loan, that means that they have not paid the debt in accordance with the terms of the original contract that they had with the creditor. For example, if you have a credit card and your balance one month is $1000…
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While filing bankruptcy is a possible option, it is not a good idea. The paperwork required and the very strict rules make it very difficult and time consuming to file without a lawyer. We have the experience, knowledge, and, frankly, the computer so…
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The Maryland Bankruptcy Center and the Law Offices of David L. Ruben, P.A., handles two different types of bankruptcy cases.
Chapter 7 bankruptcy is the most common form of bankruptcy. Chapter 7 is what you need if you have a lot of bills and no…
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When deciding whether or not to file for banktuptcy it is important to understand exactly what circumstances dictate .People often wonder if bankruptcy is the best option, and perhaps the best way to approach this question is to state when bankruptcy…
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Personal bankruptcy, also known as Chapter 7 or Chapter 13 bankruptcy, is a simple process. It is the process by which you ask the United States Bankruptcy Court to order your creditors to close out your accounts forever, thereby eliminating your d…
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So what happens to a person when he or she files for bankruptcy? What is the process like? It is highly likely that a person who has finally made the decision to file for bankruptcy relief has been under a great amount of financial stress and pre…
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