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Recent Blog Posts

Jar of coins with a savings sign - review tips to get out of debt

Try These Simple Six Steps to Work on Your Debt

By Robert J. Haeger |

If you find yourself staring down an increasing amount of consumer debt, you may be overwhelmed at the prospect of paying it off. Sometimes you need an outside perspective on simple steps you can take to chip away at mounting debt before it grows out of control. Read on to learn about tips to… Read More »

Foreclosure sign in front of modern house

Perpetrators of Maryland Foreclosure Prevention Fraud Scheme Convicted

By Robert J. Haeger |

In a recent press release, the Maryland wing of the U.S. Attorney’s Office announced the conviction in federal court of three executives of companies that offered fraudulent foreclosure prevention services.  Continue reading for details about the case, and if you are facing foreclosure, contact a genuine, experienced foreclosure defense attorney for help. Defendants create… Read More »

Mislead red signage points left, inform signage points right

CFPB Wins $21 Million Judgment Against Predatory Maryland Debt Relief Firms

By Robert J. Haeger |

The Consumer Financial Protection Bureau (CFPB) recently won a default judgment against two Maryland debt relief firms for misleading consumers about their debt-relief programs.  Read on to learn about the case, and if you are worried about the debt you face, seek the help of a legitimate and knowledgeable Maryland bankruptcy attorney to answer… Read More »

student carrying Ball of debt

Discharging Student Loan Debt in Bankruptcy May Soon Be Easier

By Robert J. Haeger |

In the United States, student loan borrowers collectively owe almost $1.5 trillion in student debt.  A recent U.S. Department of Education report found that nearly 40% of those loans may go into default by 2023; the rates are even worse for students at for-profit schools.  Despite this massive burden, discharging either private or federal… Read More »

woman stressed about debt

Check This List for Signs You’re Inching Toward Debt Trouble

By Robert J. Haeger |

Most Americans have at least some consumer debt. In fact, accruing and, subsequently, paying back consumer debt is the only way to create a credit history that financial institutions can use when considering your application for loans to purchase large items. That said, whether due to a tragic injury or illness, the loss of… Read More »

Taxes envelope that reads past due

Past-Due Income Tax Debts? How Filing for Bankruptcy Can Help

By Robert J. Haeger |

Tax season has arrived. If you owe back taxes, this time of year may bring renewed worry about how you’ll manage to satisfy the tax debts you owe along with paying your other debts. Most people assume that bankruptcy can’t help reduce the amount of a debtor’s past-due income taxes, but this isn’t entirely… Read More »

Paying off debt sign

What is Debt Reaffirmation, and When Should You Do It?

By Robert J. Haeger |

If you file for bankruptcy under Chapter 7, one of the most important decisions you may need to make during the bankruptcy process is whether or not to reaffirm certain debts. This decision requires serious thought and is one that may benefit from professional advice. Read on to learn more about reaffirming debt in… Read More »

Myths and facts sign

Don’t Fall for These Common Myths about Bankruptcy Filings

By Robert J. Haeger |

The process of filing for bankruptcy and rebuilding your credit afterward is surrounded by some mystery and confusion. Misconceptions about the bankruptcy process can result in a poor understanding of who is or isn’t a good candidate for a Chapter 7 or Chapter 13 filing. Below, learn the truth about some of the most… Read More »

Credit Report document

Watch Out for Errors on Your Credit Report

By Robert J. Haeger |

The information and score reflected on your credit report can have a major effect on nearly every aspect of your life, ranging from qualifying or disqualifying you for a line of credit, to determining whether a potential employer offers you a job, to whether you get the apartment you want. The accuracy of your… Read More »

Payment plans image

What Happens When You Complete a Chapter 13 Bankruptcy Case?

By Robert J. Haeger |

Completing a bankruptcy payment plan under Chapter 13 may not seem easy, but it does bring a great many benefits for those who can stick with it. Unlike some Chapter 7 bankruptcy cases, Chapter 13 petitioners are typically able to retain their property and can return to having a healthy credit score in less… Read More »