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 […]

10 Feb 2026

How Chapter 13 Bankruptcy Stops Foreclosure in Maryland

by David Ruben

Facing foreclosure is overwhelming, but homeowners in Maryland have a powerful legal tool that can immediately stop the process: Chapter 13 bankruptcy. Many people have heard that bankruptcy can “stop a foreclosure,” but they’re unsure how it actually works or what happens after the filing. Understanding the process can help you make informed decisions and protect […]

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 […]

27 Jan 2014

REBUILDING YOUR CREDIT AFTER BANKRUPTCY

by David L. Ruben, Esquire

Like a lot of folks who start trying to rebuild credit after bankruptcy, you might be thinking of wiping your hands clean of credit. And it might make sense that the fastest way to move past the bankruptcy is to stop relying on the loans and credit cards that precipitated the bankruptcy. 1. But contrary […]

19 Feb 2013

A Credit Card Company Has Filed a Lawsuit Against Me, What Do I Do?

by David L. Ruben, Esquire

This is one of the most commonly asked questions by people who are considering bankruptcy.  At the Maryland Bankruptcy Center we eliminate more credit card debt than nearly every other law firm in the state of Maryland.  Here is how it works. If you have an outstanding balance on a credit card, you will initially […]

26 Dec 2012

Filing Bankruptcy is Good For Your Health!

by David L. Ruben, Esquire

I recently came across this article and wanted to share it with you on my website. As a bankruptcy lawyer practicing bankruptcy in Maryland for more than 20 years and handling over 2000 Chapter 7 and Chapter 13 cases, I can tell you first hand that filing bankruptcy will improve your health. The relief I […]

05 Aug 2012

Can Chapter 7 Bankruptcy Help Me?

by David L. Ruben, Esquire

I saw this article online and thought it was excellent, please read if interested in learning about or filing Chapter 7 bankruptcy, I couldn’t have said it any better myself. Can Chapter 7 bankruptcy help? When most people think of filing for bankruptcy, they think of chapter 7 bankruptcy. Chapter 7 bankruptcy, often referred to […]

20 Jun 2012

Can Bankruptcy Help?

by David L. Ruben, Esquire

At the Maryland Bankruptcy Center, we tell at least 1 person per day that they are NOT eligible to file bankruptcy or that bankruptcy is not a good idea. On the other hand, we tell most people who call that filing bankruptcy in Maryland is the right choice. Why is that? Chances are, if you […]

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

Keeping Your Car When Filing Bankruptcy

by David L. Ruben, Esquire

I saw this article on a related bankruptcy website and thought it was very good and wanted to share it with you. If you have any questions regarding this issue or are looking into filing bankruptcy, please call us for a free consultation. You Can Keep a Car in Bankruptcy, But Under What Terms? In […]