Bankruptcy

Experienced Maryland Bankruptcy Lawyer

The office of John P. Downs, with locations in Elkton and Havre De Grace, Maryland, has more than a decade of experience helping area families recover from serious financial difficulties by using bankruptcy as a tool to restructure or eliminate debt. Our founding attorney, John P. Downs, is a respected Maryland bankruptcy lawyer who, in addition to helping clients, assists other local attorneys in answering their bankruptcy questions.

Surviving Difficult Economic and Financial Troubles

We meet people every day who struggle in today's difficult economic and financial market. Whether you have been caught up in the subprime lending crisis, were a victim of mortgage fraud or predatory lending, lost your job because of the economic downturn or simply been buried under too much debt, our Maryland bankruptcy lawyer can help you file for:

• Chapter 7 Bankruptcy - This type of bankruptcy is available for individuals and businesses, and automatically stops collection actions against you. This process liquidates non-exempt property to pay down debts, and discharges the remainder. Contact us to discuss whether you are eligible to pursue Chapter 7 protection.
• Chapter 13 Bankruptcy - Along with Chapter 11 bankruptcy for businesses, this type of bankruptcy allows you to work with creditors and the bankruptcy court to restructure and pay down your debt. Contact us to discuss your eligibility and need to pursue Chapter 13 protection.

From our two offices, our Maryland bankruptcy lawyer, John P. Downs, works to assist families seeking to reorganize, restructure and discharge debt.

A Legitimate Option for Difficult Times

We understand that people who walk through our door to discuss bankruptcy never intended to overextend them selves, or get in a position where they couldn't meet their financial obligations. Bankruptcy is not a tool for people to use every time they run up massive debt and have no intention of paying. It is a tool for individuals and families who have met unexpected and overwhelming obstacles and need options for renegotiating or discharging debt.

If you are facing foreclosure, constant collection calls, garnished wages or have been the victim of fraud, contact our office and take advantage of our free initial consultation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.