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Your Baltimore bankruptcy attorney will answer your questions
Your Legal Helpers sponsoring Baltimore bankruptcy attorney understands that even considering the process of bankruptcy can be traumatic. Your Baltimore bankruptcy attorney has gone through the process with hundreds of other clients. A Legal Helpers' Baltimore bankruptcy attorney understands that most people turn to bankruptcy as a last resort.
Use our free evaluator to see if you should contact us!
Your Legal Helpers bankruptcy attorney will meet with you initially without charge to discuss your situation. As an experienced Maryland bankruptcy attorney, he understands the state law as well as the local rules, the Trustees' preferences, the local judge's rulings, and how to work with the local creditor attorneys.
Your lawyer will prepare you for your hearing
In a Chapter 7 bankruptcy case, the trustee asks you questions to verify your eligibility for Chapter 7 bankruptcy relief and to determine that you have fully disclosed all of your assets and liabilities. Some of the common questions are:
- Do you own a home?
- Have you transferred any property?
- Do you have the right to sue anyone for bodily injury?
- Have you listed all of your debts and assets?
- Are you expecting to inherit money shortly?
The bankruptcy hearing only lasts about five minutes and is relatively informal. Most Legal Helpers clients are relieved after they see how smoothly the hearing goes. Occasionally, the trustee will request additional information from you. You are obligated to comply promptly and furnish any requested materials.
Prior to receiving your discharge order, you may receive correspondence from our office proposing to reaffirm certain secured items. Not every lender requires a reaffirmation agreement, but it is very important that you review all correspondence immediately. Once your case has been completed, you may forego your rights to reaffirm certain debts.
Approximately 60 - 90 days after your hearing, you will receive a discharge order from the court, which relieves you of your obligation to pay your bills.
In a Chapter 13 case, the hearing lasts about 10 minutes. In addition to the questions asked in most Chapter 7 cases, the trustee will also ask questions to verify that you can afford your Chapter 13 payment and that you are making your best efforts to repay your creditors through your Chapter 13 payment plan. The discharge order is issued upon your successful completion of the repayment plan.
Legal Helpers' mission is to provide our clients with the highest level of service possible. This service includes rapid access to all your records with our state-of-the-art computer systems, a free 24-hour information line to answer many frequently asked questions and lawyers who answer the telephones six days a week.
Contact Legal Helpers today for a Free Legal Evaluation!