16 Sep 2026

Maryland’s New $125,000 Homestead Exemption: Major Protection for Homeowners Filing Bankruptcy

by David Ruben

Maryland’s New $125,000 Homestead Exemption: Major Protection for Homeowners Filing Bankruptcy Maryland homeowners considering bankruptcy received some very good news in 2026. A major change in Maryland law dramatically increases the amount of home equity that can be protected in a bankruptcy case. Effective June 1, 2026, the Maryland homestead exemption increased to $125,000. For […]

19 May 2026

Meeting of Creditors in Maryland Bankruptcy: What to Expect at the 341 Meeting

by David Ruben

When you file for Chapter 7 or Chapter 13 bankruptcy, one of the first major steps in your case is the Meeting of Creditors, also known as the 341 meeting. Many people feel nervous when they hear the term, but the meeting is usually simple, short, and far less intimidating than it sounds. In most cases, it lasts about 5–10 […]

12 Jan 2026

Will Bankruptcy Stop Wage Garnishment in Maryland? What You Need to Know

by David Ruben

Many people reach out for help after a wage garnishment has already begun. Losing part of your paycheck every pay period can make it nearly impossible to cover basic living expenses. One of the most common questions people ask is whether bankruptcy will stop wage garnishment in Maryland. In most cases, the answer is yes—and […]

06 Apr 2021

How to Prevent Foreclosure During COVID-19

by David L. Ruben, Esquire

It has been eight months since the country first shut down, and there are still millions of people from all walks of life dealing with the economic aftermath. Many small, non-corporate businesses were forced to close and ended up having to shut their doors forever. Larger companies had massive layoffs and industries across the board […]

19 Oct 2014

Bankruptcy Continues to Be Best Form of Relief for Most People

by David L. Ruben, Esquire

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 […]

31 Oct 2013

In Debt Today

by David L. Ruben, Esquire

The past few years have forced many residents of Baltimore and surrounding areas of Maryland to rely more heavily on debt to finance everyday needs and expenses. Many have seen their debt increase in the form of credit card debt, student loan debt or mortgage debt because all to often today, your house has lost […]

14 Mar 2013

Why we think we are better than all other Maryland Consumer Bankruptcy Law Firms

by David L. Ruben, Esquire

Yes, that might sound like a strange question, and it also might sound like I am full of myself. Here is the answer. My dad always taught me that hard work pays off. For more than 20 years I have been working to establish the most efficient and affordable consumer bankruptcy firm in Maryland while […]

14 May 2012

When Should I Talk to A Bankruptcy Attorney?

by David L. Ruben, Esquire

Through my national bankruptcy connections I recently became friends with Quinton Pelley, one of the premier bankruptcy attorneys in the state of Texas. He was kind enough to share with me some great articles/blogs that he has written in the bankruptcy field for potential bankruptcy filers. I think that this one is excellent, so I […]

15 Apr 2012

Getting Credit After Bankruptcy…..Is it really 10 years?

by David L. Ruben, Esquire

Clients are always concerned about their credit score. It is not unusual for the question “How will bankruptcy affect my credit score?” to be the first thing that comes out of someone’s mouth when they consider bankruptcy as an option. Although bankruptcy does have an effect on your credit, the effect may not be as […]

10 Feb 2012

Bankruptcy: What is it and how does it work?

by David L. Ruben, Esquire

As a Maryland bankruptcy lawyer, I have many clients that know very little about the bankruptcy process when they come in for a consultation. It is important that anyone considering filing for bankruptcy to have a basic understanding of the process before they make the decision to file. Everyone has a right to know what […]