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Maryland Bankruptcy Lawyer
When people are facing harassment from creditors or facing foreclosure on a home, they may feel worried or hopeless. Often these situations are the financial result of past health problems, a lost job, or other extenuating circumstances. At the Elkton, Maryland, office of John Downs, Attorney at Law, we understand what our clients are experiencing. In 12 years of practice, we have handled hundreds of personal bankruptcy cases, including Chapter 7 and Chapter 13 bankruptcies. Discussing your concerns with a Chapter 13 and Chapter 7 personal bankruptcy attorney can help you understand Maryland law.
Working with attorney John P. Downs can also help provide immediate relief from debt collectors. Our office can help keep creditors from contacting you. We can prevent foreclosure on your home, as long as we act before the foreclosure sale. We can also work with you to help develop a plan for rebuilding your credit.
Chapter 7 Bankruptcy Attorney
Chapter 7 of the Bankruptcy Code involves liquidation as a form of relief. To qualify for Chapter 7 bankruptcy, a debtor must satisfy a financial means test. Many people who doubt their eligibility for Chapter 7 bankruptcy do actually satisfy this test. In this kind of bankruptcy, a person's non-exempt property is converted into cash and used to satisfy debts. Chapter 7 bankruptcy attorney John Downs can talk with you about this form of bankruptcy and answer any questions you may have.
Chapter 13 Personal Bankruptcy Lawyer
Chapter 13 bankruptcy provides relief by helping reorganize debts. This method helps debtors gain a greater opportunity to retain assets when they agree to a payment plan approved by the court. Sometimes filing a Chapter 13 bankruptcy can prevent foreclosure on your home. We have 12 years of experience with filing bankruptcy petitions. Contact us for a free consultation to learn more about your options.
For more information, see our Bankruptcy Information Center
Contact the Elkton, Maryland, law office of Chapter 13 and Chapter 7 bankruptcy attorney, John P. Downs, for answers to questions about your bankruptcy concerns. We listen to our clients' situations while communicating openly and honestly about the law. We are available for a free consultation at 410.398.0313.
John P. Downs, Attorney at Law
| 105 South Street | 224 North Washington St., Suite 6 |
