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Maryland’s #1 Choice For bankruptcy

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Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

Sirody
& Ruben
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The Sirody & Ruben Bankruptcy Center is committed to providing you with the best, most experienced bankruptcy lawyers throughout the state of Maryland and making the bankruptcy process as easy and stress-free as possible.

Jeff Sirody and David Ruben have over sixty years of combined bankruptcy filing experience and have saved thousands of homes and over a billion dollars in debts. Sirody & Ruben Bankruptcy Center makes the process easy and affordable for you.

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The laws regarding Chapter 7 filing in MD are very complex; it is best to consult an experienced, knowledgeable bankruptcy attorney.

We have successfully represented Debtors in many different types of Chapter 13 Bankruptcy Proceedings. If you are thinking about filing Chapter 13, contact us.

File bankruptcy and you will have less debt GUARANTEED! In some cases, NO DEBT LEFT AT ALL. It just depends upon your own particular situation.

Top-Rated Bankruptcy
Lawyers in Maryland

What Our Clients Say About Us

Kyle Elam
Kyle Elam
I haven't had any issues. Tony has been extremely helpful and has always followed up with me. Dealing with hiring attorneys is always a stressful process but they made it much easier. I'm not relating or connecting with these other reviews and I'm pretty cynical when it comes to lawyers.
Gerald Payne Sr
Gerald Payne Sr
I appreciate the fine service and the professional attention to my problem and good service that all of you provided. I'll recommend you to any who ask me about a lawyer who can help them out of their financial situation. Thank You again and again for your excellent service.
Cecil Bridge
Cecil Bridge
Hi Ben, Just wanted to follow up and express our sincerest THANKS and appreciation to you and the Sirody Team for all you have done for us in managing our bankruptcy. From the first day we walked into your office in February 2015, to our last visit on October 8th 2020; you have provided legendary services - you showed patience, took time to explain small details, no question was left unanswered no matter how trivial it seems and above all you LISTENED and guided us to our final destination of obtaining a DISCHARGED!! Words cannot praise you enough to say how grateful we are... Thank You, Thank You, Thank You!! Ben, you are a blessing to others and we will forever be grateful. Stay safe and Healthy, Best Wishes Always, Cecil & Lillie

FAQs

What is Chapter 7 bankruptcy, and how can it help me?

Chapter 7 bankruptcy is a legal process that helps individuals or businesses eliminate most of their unsecured debts, such as credit card balances, medical bills, and personal loans. It allows you to get a fresh financial start by liquidating non-exempt assets and distributing the proceeds to creditors. If you’re struggling with overwhelming debt, Chapter 7 bankruptcy may provide the relief you need to regain control of your finances.

Am I eligible for Chapter 7 bankruptcy in Maryland?

To qualify for Chapter 7 bankruptcy in Maryland, you must pass a “means test,” which compares your income to the state median. If your income falls below the median or you meet other specific conditions, you may be eligible. Speaking with an experienced bankruptcy attorney at Sirody & Ruben will help you understand your eligibility and navigate the process.

How long does the Chapter 7 bankruptcy process take in Maryland?

The Chapter 7 bankruptcy process in Maryland typically takes about four to six months from filing to discharge. However, the duration may vary depending on individual circumstances, such as the complexity of your financial situation. Consulting with Sirody & Ruben can provide a clearer timeline based on your case.

What is Chapter 13 bankruptcy, and how does it work?

Chapter 13 bankruptcy is a form of debt reorganization that allows individuals with regular income to create a repayment plan for their debts over a period of three to five years. Unlike Chapter 7, Chapter 13 helps you keep your assets while making manageable payments to creditors. This option is ideal for those who are behind on secured debts like mortgages or car loans but want to retain their property.

How does bankruptcy affect my credit?

Both Chapter 7 and Chapter 13 bankruptcies will negatively impact your credit score. Chapter 7 remains on your credit report for 10 years, while Chapter 13 remains for seven years after completion of the repayment plan. However, filing for bankruptcy may offer relief from unmanageable debt and a chance to rebuild your financial future.

Which bankruptcy option is better for me?

The best option depends on your financial situation. Chapter 7 may be better if you have little income and many unsecured debts, while Chapter 13 may be more appropriate if you have a steady income and wish to keep your assets while repaying some of your debt.

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