Elkton & Bel Air Chapter 13 Bankruptcy Attorneys

If you are having trouble meeting your monthly payments for your bills, filing a Chapter 13 bankruptcy may help you obtain a fresh start and relief from your debts. Filing Chapter 13 bankruptcy may help you avoid foreclosure, and allow you to keep your home or car. Under federal and Maryland bankruptcy law you may file for personal Chapter 13 bankruptcy protection if unsecured debts do not exceed $336,900.00 and secured debts do not exceed $1,010,650.00.

The law offices of John P. Downs, Attorney at Law is ready to help you with Chapter 13 or Chapter 7 bankruptcy concerns. We have more than a decade of experience, and can advise you in a free initial consultation which type of bankruptcy would better serve your immediate and long-tem financial goals/ Call our Elkton, Havre De Grace or Bel Air, Maryland, office at 410-398-0313 to schedule a telephone or personal visit with a qualified debt relief lawyer. Contact us today.

Providing Seasoned Counsel to Clients Considering Bankruptcy

Our goal here at the office of John P. Downs is to provide clients with the information they need to make smart decisions. When we meet with you for the first time, lawyer John P. Downs will ask you a lot about your financial circumstances over the last 7 months, including information relating to:

  • You and your spouse’s income, including unemployment benefits
  • Monthly statements from your bank, including money market accounts
  • Tax returns for the last 4 years
  • Spousal or child support obligations
  • Payroll deductions, including insurance or automatic payments
  • Utility bills for the last 6 months
  • Credit card bills, loan statements and debt notices
  • Profit and loss statements from your small business

Every Client Is Unique

You may have talked with friends or coworkers who have gone through bankruptcy because you want to know what to expect. In our successful practice over the last decade, we have found that every client case is unique. Bankruptcy law is applied to your individual circumstances, so your outcome may be different from your neighbor’s.

<p >We do a thorough analysis of your finances before the filing so we can help you develop a repayment plan. If you follow the court’s plan, your debt will be discharged between 36 to 60 months from the time of filing.

Contact Us today for a free initial consultation. We have 3 offices throughout Cecil County and Harford County, Maryland and can be reached by dialing 410-398-0313.

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