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Small Businesses that are Most Vulnerable to COVID-19

The ongoing COVID-19 crisis has dealt a lot of damage to multiple economies around the world. From small to prominent businesses, none have remained unaffected by the sudden changes and restrictions implemented by government bodies to keep its citizens safe from the pandemic. In Baltimore alone, multiple businesses have felt the need to hire bankruptcy lawyers to seek help. Small businesses are even more at risk because they are the most likely to face multiple difficulties from prolonged restrictions. As such, if you are a small business owner, it would be worth your while to know which small businesses are most vulnerable to COVID-19 so you can make preparations. While the pandemic has affected all industries, some are…


What You Need to Know about Bankruptcy Fraud

Photo by: Some may view bankruptcy in a negative light. However, it is actually a way for businesses and individuals to discharge their debts and start anew. This gives them a second chance to rebuild what they have lost. With the help of a professional bankruptcy lawyer in Baltimore, Maryland, filing bankruptcy is made even easier. That is if you meet the requirements. Sadly, there are those who take advantage of this and commit bankruptcy fraud instead for their own benefit. And there are those who get accused of committing fraud even though it wasn’t their intention. What is Bankruptcy Fraud? This is a white-collar crime that is committed as such: Not disclosing a property transfer before…


Common Mistakes of Filing for Bankruptcy

Anyone who files bankruptcy does it for a single reason, and that is to get a fresh start. And while you might be thinking about doing it on your own to save money, you could end up wasting a lot of time and effort without achieving the results you want. That's because there are a lot of potential mistakes you can make when you choose not to hire a reliable bankruptcy lawyer in Baltimore, Maryland. Let's talk about some of these mistakes. Choosing the Wrong Type of Bankruptcy There are several types of bankruptcy, and each has different processes, requirements, and results. For Chapter 7, your creditors will be paid by liquidating your non-exempt assets. While for Chapters…


The Impact of Recent Bankruptcy Changes

Bankruptcy lawyers in Baltimore, Maryland and all over the US are faced with many adjustments. Due to the COVID-19 pandemic, bankruptcy law has seen a lot of changes in 2020 and 2021. But even though we see and feel the changes today, many of the other amendments were already included in the Bankruptcy Code even before the pandemic. In this blog, we will talk about some of the changes made as well as their impact on various individuals. THE SMALL BUSINESS REORGANIZATION ACT (SBRA) The Small Business Reorganization Act (made effective on February 19, 2020) is there to help small business debtors who have debts of no more than $2,725,625 (subject to other criteria and requirements). Under the…


How Will the Consumer Bankruptcy Reform Act of 2020 Change Bankruptcy?

With the inevitability of business closures and company layoffs or reduced hours resulting from the ongoing COVID-19 crisis, more and more people are finding themselves stuck in a situation where they have no choice but to file bankruptcy. Left with this last-minute decision to climb out of debt and start fresh, bankruptcy lawyers in Baltimore, Maryland and anywhere else are more in demand than ever. Because of this, the Congress introduced new legislation in December of 2020 titled the "Consumer Bankruptcy Reform Act of 2020". What’s it about? This proposed legislation aims to simplify and overhaul the current bankruptcy system so that it will be easier for individuals to file. Aside from the Bankruptcy Reform Act of 2005,…


How to Rebuild Credit after Bankruptcy

Bankruptcy has the potential of giving you a clean financial slate; however, it also makes one worry that they'll never have decent credit again. After all, it can stay on your credit reports for up to 10 years. But did it ever occur to you that your credit score after bankruptcy may not actually be as bad as you think? In fact, its impact on your credit score will eventually fade over time. So what you need to focus on now is restoring your credit. To do that, you can ask help from a trusted bankruptcy lawyer in Baltimore, Maryland. Being eligible for bankruptcy is, in and of itself, an indicator that your credit is already in tatters.…





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