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Bankruptcy Blog

What is Personal Bankruptcy Discharge?

What is a bankruptcy discharge? The typical consumer files a bankruptcy case in order to obtain a “discharge” of overwhelming debt. An unfortunate word that is used to describe what for many is a life changing “event”. Why? Wh… Read More
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National Personal Bankruptcy Chapter 7 and 13 for May

Personal bankruptcy filings for the month of May have increased compared with a year ago, but dropped slightly compared with a month earlier, the American Bankruptcy Institute reported last week. Here’s a breakdown of the data. Total filings: In Ma… Read More
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Glossary of Bankruptcy Terms

Bankruptcy terms can be difficult to understand.  Below are brief definitions of the terms used in this site and in the Bankruptcy Code. If you have any questions, please feel free to contact us. 410-766-4044. Adequate protection:Payment to a secure… Read More
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What does "debts discharged" mean?

What does “discharged” mean? The goal of a bankruptcy proceeding is to obtain a discharge of debts.  When a debt is discharged, it is no longer enforceable against the debtor personally. Personal liability When you have personal liabilit… Read More
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Personal Bankruptcy

If you’ve recently found yourself buried under a pile of debt, you’ve probably spent some time researching ways to dig yourself out. Most likely, filing for personal bankruptcy did not sound like the most appealing choice. However, like visiting… Read More
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Debt Trouble Warning Signs

Think about this: Just because you can pay your minimum payments each month, does not mean you are financially fit. Low monthly minimum payments benefit the credit card company, the “minimum amount due” is cleverly calculated to keep you… Read More
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Chapter 7 Banruptcy's Rising

I have noticed a trend in the last few weeks.  More and more people are calling for help with their overdue credit cards bills, medical bills and wage garnishments.  I think that due to the recession, Chapter 7 bankruptcy’s are going to incre… Read More
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Chapter 7 Bankruptcy - Eliminate Credit Card Bills

Did you know that Chapter 7 bankruptcy, if you qualify, will completely eliminate your credit card bills and all of your other debt?   Yes, it’s true, and there is nothing that the credit card companies can do about it.  Alot of people think… Read More
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Maryland Legislature Passes New Laws Regarding Forclosures

Maryland Enacts Foreclosure Mediation Law. On April 13, Maryland Governor Martin O’Malley signed a law (H.B. 472) giving homeowners the right to mediate foreclosure with a neutral third party and requiring lenders to conduct loss mitigation ana… Read More
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Welcome to the Bankruptcy Center Blog

This is the first post on the Maryland Bankruptcy Center bankruptcy information blog.  My name is David L. Ruben.  I am an attorney in the state of Maryland and have recently created this website and other websites for a couple of reasons.   I st… Read More
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