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Recent Blog Posts

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Bankruptcy Could Help You Recover Garnished Wages

By Robert J. Haeger |

If you’ve been struggling to pay your bills for a long time, you may have had your wages garnished by one of your creditors along the way. If you decide to file for bankruptcy under Chapter 7, there may be a way for you to get some of those wages back from the creditor… Read More »

Sign that reads bankruptcy

What Is an Adversary Proceeding in Bankruptcy?

By Robert J. Haeger |

By and large, bankruptcy actions tend to run smoothly. So long as debtors provide accurate information on their debts and financial history to their attorneys, lawyers generally know what to expect will happen during a case. That said, some bankruptcies may become more complicated should a creditor file an adversary proceeding against the debtor…. Read More »

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The Benefits of Surrendering Collateral in a Chapter 13 Bankruptcy

By Robert J. Haeger |

When considering filing for bankruptcy, there are lots of good reasons you might choose to file under Chapter 13 rather than Chapter 7. Many debtors make this choice based on the property they own. Perhaps you need to keep a vehicle that you use to get to work, but it wouldn’t be covered by… Read More »

House getting evicted

The Effect of Bankruptcy on a Rental Lease

By Robert J. Haeger |

If you’re considering filing for bankruptcy, you may be concerned about the effect of a filing under Chapter 7 on your living situation. If you’re currently a renter in an apartment or house, bankruptcy could have an impact on whether or not you remain in your home after the bankruptcy is over, and it… Read More »

house Judgment Liens

Avoiding a Judgment Lien in Bankruptcy

By Robert J. Haeger |

One of the most important reasons to speak with an experienced bankruptcy lawyer as soon as possible after you begin to fall behind on making payments on your debts is because of the threat of judgment liens. Judgment liens can transform a debt that would have been eliminated in bankruptcy into one that not… Read More »

Debt settlement

Be Wary of Debt Relief and Debt Settlement Companies

By Robert J. Haeger |

Being deep in debt can cause us to feel desperate for help. These feelings of desperation don’t often enable us to make our best decisions, and they can even make us susceptible to scams that prey on these feelings by offering an easy way out. Unfortunately, if it seems too good to be true,… Read More »

Surprise Medical Billing

Lawmakers Seek to Outlaw Practice of Surprise Medical Billing

By Robert J. Haeger |

Medical bills are one of the most common reasons that petitioners cite for their bankruptcy filings. Exorbitant medical expenses can be especially difficult to afford, since those with high costs are also frequently out of work and struggling to cover even regular living expenses. One source of exorbitant medical bills is the phenomenon of… Read More »

FIle-Wage Garnishment

Will My Creditor Garnish My Wages?

By Robert J. Haeger |

If you are having difficulty keeping up with payments on debts you owe, your creditor may have sold your debts to a collection agency. These companies will often use intimidating rhetoric to scare you into paying your debts, including threatening you with dramatic legal action. In particular, many debt collectors threaten that they will… Read More »

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Bankruptcy’s Automatic Stay Provision

By Robert J. Haeger |

By the time you’ve decided to file for bankruptcy, you’re probably facing a great deal of debt. Your bank may be threatening foreclosure on a past-due mortgage, and other creditors may be threatening to sue to get the money they’re owed on a consumer debt. As soon as you file for bankruptcy, a stay… Read More »

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The Mandatory Credit Counseling Before Filing for Bankruptcy: What to Expect

By Robert J. Haeger |

If you’ve recently begun the process of filing for bankruptcy in Maryland, you may have learned about the requirement that you undergo credit counseling prior to being allowed to file. The pre-filing credit counseling requirement is nothing to worry about, but it is a requirement for which you should plan when considering the timing… Read More »