Maryland Chapter 7 Bankruptcy Attorney

Many people mistakenly see bankruptcy as a sign of personal failure. We do not agree. The office of John P. Downs in Elkton, Havre De Grace and Bel Air, Maryland, represents clients who need to eliminate credit card debt, and get their lives back on track with Chapter 7 debt relief.

Unexpected illnesses and job losses happen. John P. Downs, our founding attorney, wants clients to know that filing for Chapter 7 bankruptcy may help in important ways.

If you follow the court plan to discharge debt, you may be able to build a very good credit rating within a year.

When you file for Chapter 7 bankruptcy, an automatic stay goes into effect. That means that creditors may not contact you at home or in your workplace any more.

To meet with an experienced bankruptcy lawyer at John P. Downs, Attorney at Law, contact us for a free initial consultation. We may be able to help stop foreclosure with an early intervention.

Skilled Elkton Bankruptcy Representation

When we accept a personal bankruptcy case, we need a good understanding of your financial circumstances, so that we can provide thorough, appropriate counsel. All Chapter 7 Bankruptcy cases are subject to the Means Test which compares your income to the median income in Maryland for your household size. If your income falls below the median income in Maryland, based on your family size, you will probably easily qualify for Chapter 7.

The law governing Chapter 7 bankruptcies is complex, and constantly changes. We recommend you retain a qualified bankruptcy attorney to help you determine if Chapter 7 or Chapter 13 bankruptcy is right for you, help you. We can help you with the complicated paperwork, and represent you in court.

Helping You Build a Brighter Future

Attorney John P. Downs can help you plot a course of action which will help you look forward to the future. A single individual may exempt up to approximately $11,500, and a married couple up to approximately $23,000 in equity in property. Additional exemptions may apply to you in unique circumstances. Most 401K accounts are protected. You may not discharge debt such as alimony, child support or a student loan.

Here at the offices of John P. Downs, we have helped many families start over through bankruptcy. Attorney John P. Downs is available by appointment for a free initial consultation in our Elkton, Havre De Grace or Bel Air, Maryland, offices or by telephone at 410-398-0313. contact us today.

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

The Law Offices of John P. Downs offer effective legal representation to those in need throughout Cecil County and Harford County, Maryland. This includes, but is not limited to, Elkton, North East, Cherry Hill, Perryville Chesapeake City, Havre De Grace, Aberdeen, Bel Air, Egewood, White Marsh and Fallston, Maryland.