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 […]
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 […]
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 […]
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, […]
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 […]
Get sound legal advice from Sirody & Associates. Image Source If you live in Maryland and are facing financial hardship, you might be considering bankruptcy. This article describes the process for filing for Chapter 7 bankruptcy. Baltimore attorney Jeff Sirody explains that in Chapter 7 your nonexempt assets are sold to pay the claims of […]
A question people ask is if there is a way to remove a dismissed Chapter 7 bankruptcy. Once a Chapter 7 bankruptcy is dismissed, it cannot be removed. However, if a Chapter 7 bankruptcy is dismissed, the debtor simply needs to wait 180 days (6 months) in order to file another Chapter 7. What Can […]
For all your legal questions, Sirody & Associates is pleased to announce the release of our free eBook that has all the information you need about bankruptcy. Baltimore, Maryland residents facing financial difficulty will especially benefit from this book as it is tailored to our geographic area.
If a debtor has “defaulted” on a loan, that means that they have not paid the debt in accordance with the terms of the original contract that they had with the creditor. For example, if you have a credit card and your balance one month is $1000. You are required to make a minimum payment […]
The Maryland Bankruptcy Center and the Law Offices of David L. Ruben, P.A., handles two different types of bankruptcy cases. Chapter 7 bankruptcy is the most common form of bankruptcy. Chapter 7 is what you need if you have a lot of bills and no means to pay them. You can own a home and […]
