Whether you have credit card debt, personal loans, debt lawsuits, medical bills, judgments, wage garnishments, tax debt, pending home foreclosure, mortgage arrears, or car repossessions, we can assist you. Bankruptcy can help many people who are facing debt lawsuits, wage garnishments, bank account levy or only making minimum payments on their debts.

Teresa Cho Edwards, Esq. is a graduate of Princeton University, B.A. She received her J.D. and has been admitted to practice law since 2008. She is a highly experienced attorney in personal bankruptcy filings, Chapter 7 and Chapter 13 and has worked with clients who work in all industries, and retirees. Many of her clients are federal, state or local employees or federal contractors.

Filing bankruptcy may allow people with debt to protect their assets and income and avoid a wage garnishment or bank levy. Bankruptcy filings require expertise and experience as there are a lot of complicated rules that change often.

There is a common misconception that a person must be destitute to qualify for bankruptcy relief these days. But, it is often people with regular income who are making minimum monthly payments on their debts who can benefit most from a bankruptcy filing. See a list of Bankruptcy Indicators.

The Get Started page has info on how to start your bankruptcy. We will provide you with a questionnaire and a list of documents and information we will need for your consult and to file your bankruptcy. Typically, the documents needed fall into the following categories: (1) income (pay statements, income taxes, bank statements, etc.); (2) expenses; (3) assets; and (4) debt (invoices, statements, bills, collection letters, lawsuits, etc.).

Accessibility: Our office is conveniently located in Largo, MD and we offer regular hours Monday through Friday from 8:30am to 5:30pm and Saturday appointments.

No Office Visits Required! Documents can be uploaded to us electronically. Virtual meetings available.