27
November

Benefits of Filing for Chapter 13 Bankruptcy

Many people do not want to file for bankruptcy, but if it is absolutely necessary, they will have to choose between Chapter 7 or Chapter 13. To further understand which your best option is, it is necessary to consult with a Baltimore bankruptcy attorney. Many people often benefit from filing for Chapter 13 bankruptcy which is a payment plan that lasts 3-5 years. The length of this payment plan can be discouraging for some while Chapter 7 bankruptcy may seem initially more preferable. However, there are various advantages that are not available in Chapter 7, and it may be the best solution for your long term financial health. Continue Reading »

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17
October

Causes of Bankruptcy in America

Here are the most common causes of bankruptcy. If you think you are bankrupt and would want to declare your situation, call Richard Hackerman at 410-243-8800! Continue Reading »

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12
September

How to Manage Emotional Stress During Bankruptcy

People say that money can’t buy happiness, but if you do not have enough, it can definitely trigger negative emotions such as sadness, fear, stress, embarrassment, and depression. If you are financially broke, creditors will start calling you, you will not have enough to pay bills, your electricity will get cut off, and it can only add stress to your already difficult life! Continue Reading »

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22
August

Items to Bring to your First Appointment with a Bankruptcy Attorney

A bankruptcy lawyer can help you assess what your rights are. If you’ve never talked to a bankruptcy lawyer before, or are preparing for your first meeting, you may be nervous and may not know what to expect. Here are items that most bankruptcy attorneys cover in client meetings. Continue Reading »

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12
July

How To File Chapter 7 Bankruptcy in Baltimore

For many of us, just paying off the bills seems like a Herculean task. Each month, those bills just seems to spirit away all of our hard earned cash leaving us with very little to survive on. Does this put you in doubt on whether you’ll be able to survive past the next couple of months? If so, all is not lost. Determine if bankruptcy is the best option for you at this time and if you need to learn how to file chapter 7 bankruptcy. First of all, know that deciding to file for bankruptcy should not be taken lightly. This should be your last resort as it directly affects your future creditworthiness. Before filing, you should find out … Continue Reading »

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13
June

Warning Signs You are Headed for Bankruptcy

When you are on unstable financial ground, it should be pretty obvious to you. There may be several things that may cloud your vision of what is supposed to be a clear picture, leading you now to seek the services of a bankruptcy attorney. Identifying red flags for an impending personal financial crisis is very significant. This may be the only thing that will keep you from having to file for bankruptcy. Here are a few warning signs to watch out for: Your credit card is at its limit. You have maxed it out! When you start using up all available credit, it’s a major sign that you probably cannot afford to maintain it. It is important to use your … Continue Reading »

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