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» David Ruben

Bankruptcy Credit Counseling Requirement

Before a case can be filed by an individual under Chapter 7 or Chapter 13, the individual must submit to a credit counseling session states Gurnee bankruptcy attorney. A credit counseling session is a one-hour session that can be done over the telep… Read More
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Tax Refund and Chapter 7 Bankruptcy

As 2011 draws to an end, many people will be thinking about filing Chapter 7 bankruptcy in Maryland in 2012.  One very common question, almost always asked at the beginning of the year, is:   IF I FILE CHAPTER 7 BANKRUPTCY IN MARYLAND, WILL I STLI… Read More
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Medical Bills and Credit Reports

A member of Congress has proposed a bill that would erase medical bills from credit reports. I think that is a great idea, for many reasons. See the article below, it is very interesting: New Bill Proposed Would Remove Medical Collections From Cred… Read More
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Thankful for Bankruptcy Laws

Hey folks.  I just wanted to take this opportunity to wish anyone who might be reading this blog a Happy Thanksgiving.   In two days it will be Black Friday, yes, the most popular day to run up credit cards of the year.    I will actully be wor… Read More
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Top Five Reasons People File Bankruptcy

When you are experiencing a financial crisis you may feel like you are the only one in that situation. The reality is that many people are feeling the current financial crunch for one reason or another. So whether you live in Maryland or any other pa… Read More
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Maryland Legislature Passes New Laws Regarding Forclosures

Maryland Enacts Foreclosure Mediation Law. On April 13, Maryland Governor Martin O’Malley signed a law (H.B. 472) giving homeowners the right to mediate foreclosure with a neutral third party and requiring lenders to conduct loss mitigation ana… Read More
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Welcome to the Bankruptcy Center Blog

This is the first post on the Maryland Bankruptcy Center bankruptcy information blog.  My name is David L. Ruben.  I am an attorney in the state of Maryland and have recently created this website and other websites for a couple of reasons.   I st… Read More
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What is Chapter 13 Bankru…