Bankruptcy – No Guilt Necessary

People from all around the entire Baltimore and Washington areas call us each day to discuss their bankruptcy options.   Many time, people begin the conversation to explain why they need to file bankruptcy and for how long they have tried to put it off.  They often feel guilty about it, feeling as if they are doing something wrong by contacting a lawyer for bankruptcy help in Maryland.   Well, I am here to tell you that you are not.  Bankruptcy relief has been a foundation of the laws in the United States since the 1700’s.   As a tax paying citizen, you have the absolute right to file for bankruptcy relief.  Yes, there are certain people who take advantage of the laws and are fraudulent.  That’s a very small percentage, and usually those people get caught anyway.  The vast majority of people who file are work people who run into problems such as unemployment, medical problems, divorce, addiction and sometimes even just bad spending habits.  I am glad that you have taken the first step in exploring your options.  Most of the time, once people take the step to look into bankruptcy, they realize that it is the right option and it often turns out to be the best decision they have ever made.

As an example of why you should not feel bad or guilty about having to file bankruptcy, here is a short article about a Congressman in Texas who had to file:

A Texas congressman on the House Financial Services Committee has filed for personal bankruptcy, saying the problem is a loan he guaranteed for his family meat company, which went bankrupt. According to court documents, Representative Rubén Hinojosa, a Democrat, has $2.9 million in liabilities, and nearly $1.5 million in assets. Most of the debt, $2.6 million, is a claim by Wells Fargo Bank. The financial services panel has jurisdiction over legislation affecting banks. House aides and outside experts say the House has no rules forbidding a lawmaker who owes large sums to a bank from serving on that committee.

At the Maryland Bankruptcy Center bankruptcy lawyers file Chapter 7 and Chapter 13 cases for people all over the state of Maryland.   We represent client’s in Baltimore, Glen Burnie, Pasadena, Towson, Essex, Dundalk, Silver Spring, Laurel, Columbia, Ellicott City, Elkridge, Severna Park, Annapolis, Severn, Hanover, Linthicum, Catonsville, Woodlawn, Randallstown, Pikesville, Arbutus, Baltimore and many other locations in Maryland.  We pride ourselves in IMMEDIATE CUSTOMER SERVICE.   Call or e-mail today and you will have all of your questions answered for free, and you will a step in the right direction to eliminate all of your credit card bills, hospital bills, judgments garnishments, repossessions and to save your house from foreclosure.  Call (410) 766-4044 or (301) 587-8900, or e-mail me directly us directly at or  Our answers to your Maryland Bankruptcy questions are standing by!

David L. Ruben