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Offices Located in: Glen Burnie - Greenbelt - Baltimore - Columbia

Have a Debt Free 2012!

Happy Thanksgiving to all.  If you are visiting our website during this time of the year, and you are thinking about filing for bankruptcy, you have taken the first step in the right direction to make you 2012 your best year ever.  Too many Marylanders have so much credit card debt and other other debt that they literally cannot go entire day without thinking about their financial woes.  Many, many years ago, our founding fathers realized that life, liberty and the pursuit of happiness INCLUDES the ability to seek debt relief and a fresh start in difficult times.  That is why the right to file bankruptcy was inluded in the first draft of our United States Constitution.  It is your right, and if you don't use it, you are giving up one of the greatest benefits of living in this country. Chapter 7 bankruptcy in Maryland allows you to eliminate credit card debt, medical bills, judgments, garnishments, repossessions and all other unsecured debts except student loans and most debts to the government.  If you cannot see yourself climbing out of your debt within 6 months to a year, and you do not own alot of property, bankruptcy is the only avenue for you to take.  Call us today for a free consultation.  In a 5 minute telephone conversation, I can tell you whether Chapter 7 bankruptcy is right for you. Chapter 13 bankruptcy will help you save your home.  Or, if you make too much money to qualify for Chapter 7, or have too much property, Chapter 13 bankruptcy gives you the opportunity to pay off your debt over a 5 year period of time, most of the time interest free.  So, instead of making minimum balance payments on your credit cards for the rest of your life, you know that you will be debt free in less than 5 years.  Call today for a free consultation. We now have two full service offices, one in Glen Burnie and one at Arundel Mils.  We are bankruptcy attorneys in Maryland who file Chapter 7 and Chapter 13 cases on behalf of our client's.  We have a large staff and are extremely efficient, and that is why we are able to charge less than most other attorneys.  Call or e-mail us today for a free consultation. And have a Happy and Debt Free 2012! David L. Ruben, Esquire

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