04 Mar 2019

Can You File Bankruptcy Again?

While one may hope to only go through one financial crisis during his or her lifetime, that may unfortunately end up being wishful thinking. Imagine that you suffered from an illness or lost a job and filed for bankruptcy to get a fresh start. What happens if another unexpected financial crisis arises and you need […]

04 Mar 2019

When You Can Discharge Income Tax Debt in Bankruptcy

When you file for bankruptcy, you may be able to wipe away income tax debts depending on how old the tax debt is. Bankruptcy law lays out specific rules for how old an income tax debt must be in order for it to be discharged along with a few additional requirements. Timing Rule 1: Tax […]

27 Nov 2018

WHAT TO DO WITH YOUR CAR LOAN IN A CHAPTER 7 BANKRUPTCY

When you file for Chapter 7 bankruptcy, you must tell the court what you intend to do with your debts that are secured by personal property.  For many Chapter 7 bankruptcy filers, this decision comes up in the context of their car loans. Ordinarily, the debtor has three options. The first option with Chapter 7 […]

27 Nov 2018

HELPING YOU KEEP YOUR CAR IN A CHAPTER 13 BANKRUPTCY

At Ruben Law and the Maryland Bankruptcy Center, we have been helping Clients file Chapter 7 and Chapter 13 Bankruptcy for over 25 years. We help people understand Bankruptcy can be a fresh start and is an affordable, and legal option. This is an article about how to keep your car and reduce your car […]

05 Nov 2018

SHOULD I FILE FOR BANKRUPTCY?

One of the most difficult decisions a person might have to make in life is whether or not to file for bankruptcy.   Like anything, asking friends or family can often lead to bad or simply false information.  Many Americans view bankruptcy as a financial scar that will negatively affect you for the rest of […]

18 Jun 2018

Can You File For Bankruptcy Without an Attorney?

While filing bankruptcy is a possible option, it is not a good idea. The paperwork required and the very strict rules make it very difficult and time consuming to file without a lawyer. We have the experience, knowledge, and, frankly, the computer software which gives us the advantage. It is really no different than taking […]

19 Oct 2014

Bankruptcy Continues to Be Best Form of Relief for Most People

I hope you are having a great Sunday. My name is David Ruben and I have been a bankruptcy lawyer in Maryland for almost 23 years. I love what I do. Tommorrow is one of those rare days that I do not have to appear in court, so I was thinking about what my day […]

06 Aug 2014

Retirement And Bankruptcy – Baltimore Residents Need To Know

If you are facing retirement and a large debt at the same time, the decisions you make are critical for your financial future. Sometimes unpaid debt due to medical bills leads to bankruptcy. Baltimore and Maryland law provide for these kinds of situations. Let’s see how you can cope with retirement and bankruptcy. Medical Bills […]

27 Jul 2014

Do’s and Don’ts for Filing Bankruptcy

I enjoy looking around on the web and reading what other lawyers have to say.  Just today I came across a list of DO’s and DON’Ts for filing bankruptcy by Carmen Dellutri, a well-respected bankruptcy attorney in the state of Florida.  The interesting thing about bankruptcy law is that it is Federal law, which means, […]

16 Jul 2014

Why Bankruptcy Focuses on Restructuring

There are two type of bankruptcy for individuals, Chapter 7 and Chapter 13. Chapter 7 is for people who cannot afford to pay their bills and do not have a lot of property. Chapter 7 is not a restructuring, it is a complete elimination of all debt and gives the debtor a fresh start. Common […]