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Hampstead Bankruptcy Lawyer Relieves Clients’ Debt Burdens

Knowledgeable Maryland attorney works to resolve money problems

Financial problems are stressful by themselves, but the additional strain caused by aggressive debt collectors can seem overwhelming. Fortunately, there is a way to halt the harassing phone calls and threatening letters. My firm, the Law Office of Joseph E. Ashley in Hampstead, uses bankruptcy and effective negotiation to avert lawsuits and help Maryland clients achieve the financial reset that they seek. For more than 15 years, I have helped Carroll County residents and others take control of their debt situation by finding the solution that meets their specific needs. Whether the right path involves a Chapter 7 debt discharge, a Chapter 13 repayment plan or some other type of legal representation, I will work diligently to bring you the financial freedom and peace of mind that you deserve.

Skillful Carroll County advocate handles Chapter 7 and Chapter 13 filings

Chapter 7 and Chapter 13 bankruptcy offer additional benefits beyond debt relief. Filing for bankruptcy instantly stops wage garnishments, bank account levies, home foreclosures, car repossessions and other forms of property seizure. As soon as you file, creditors must stop contacting you in any way. Should they continue to call and harass you, refer them to me. My firm handles all types of debt relief actions, including:

  • Chapter 7 debt discharge — Through Chapter 7 bankruptcy, people who have no reasonable opportunity to repay what they owe can have their nonexempt debts discharged and start the process of rebuilding their credit. To obtain this relief, individuals must satisfy certain requirements, which I will outline.
  • Chapter 13 repayment plans — Debtors who are still earning income can take advantage of Chapter 13 bankruptcy to revise certain terms and create a fair repayment plan lasting between three and five years. Like Chapter 7 filers, those who file Chapter 13 receive immediate relief from creditor harassment.
  • Negotiations with creditors — In some cases, effective communication with creditors can eliminate the need to file for bankruptcy. If you’re being threatened, I will take a comprehensive look at your situation and attempt to reach an agreement with creditors if that’s in your best interest.

Certain rules exist regarding how many years must elapse between bankruptcy filings. In a free initial consultation, I can explain the eligibility standards and how certain choices will affect your credit and future plans. By discussing your financial situation in a comfortable, nonjudgmental atmosphere, we can determine the best course of action and put you on the road toward a fresh start.

Contact a proven Carroll County bankruptcy lawyer for a free initial consultation

The Law Office of Joseph E. Ashley advises Maryland clients on bankruptcy and other debt relief issues. Please call 443-639-8399 or contact me online to schedule a free initial consultation at my Hampstead office.