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Chapter 7 BankruptcyChapter 13 Bankruptcy

Filing Bankruptcy In Maryland in 2011

The last few years have brought about economic changes that Americans were not prepared for and had not experienced in their lifetime.  For many people, financial security disappeared as home values plunged, jobs were lost, debts rose, and help was nowhere to be found.  More Americans have faced with the decision to file for bankruptcy. 
As we moved through 2010, the economy did not rebound, and unemployment rates remains high.  Hard working and proud people have been unable to find work, or have found work at a much lower pay than they had made before.  Companies try to avoid layoffs by cutting back on overtime and cutting salaries, benefits and bonuses.
Many people never thought they would consider filing for bankruptcy.  Yet bankruptcy will allow them to survive these tough times, find a way to pick themselves up and start over.  Bankruptcy can still provide a fresh start for many. 
Bankruptcy may help people who found jobs making less or whose salaries have dropped, eliminate loans and credit card debts so they can live on what they now make.  
Bankruptcy may help save family homes, by giving people time to catch up missed mortgage payments in Chapter 13 bankruptcy
 Bankruptcy remains a way for many Americans to get their finances under control, eliminate or reduce debts, restructure missed house payments and sometimes lower other secured debt payments such as cars and furniture.
If you are facing financial problems, please see an experienced bankruptcy attorney to discuss whether or not bankruptcy can help you.
Bankruptcy may free people from debt payments on unsecured debts so they can use the money they have to make their home or car payments, and keep food on the table.
Call the Maryland Bankruptcy Center today so that you can have a free consultation with a Maryland bankruptcy lawyer who can explain your Chapter 7 and Chapter 13 options to you.  Call (410) 766-4044 or (301) 587-8900 today, or e-mail me now at
David L. Ruben

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