Covid 19 Pandemic Update

Are the bankruptcy courts open? Can I still file for bankruptcy? The answer is YES you can.  Currently, residents of Maryland can still file for bankruptcy protection despite the pandemic situation.  Due to the pandemic, visits to our office are not required, although you are welcome to schedule a meeting at the office if you wear a face mask and observe social distancing. If you prefer sending your documents electronically,…

Bankruptcy Indicators

There is no formula for figuring out when you should file a bankruptcy case. However, below are some indicators you may need to file for bankruptcy: You have debt lawsuits filed (or being threatened) against you You are paying monthly minimums on your cards and the balances are increasing You are struggling to make the minimum payments on your cards You are current on mortgage and car payments but not…

Judgments and Garnishments

A judgment refers to a decision by a court that has been entered into the public record. Before a judgment can be issued, a lawsuit must be filed against you. If you do not file an answer to the lawsuit within the time period required by law (usually 20 to 30 days after service of the lawsuit on you), the plaintiff can ask the judge to issue a “default judgment.”…