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Low Fees - Payment Plans - Evening & Weekend Appointments Help With-Credit Cards-Bank Loans-Foreclosure-Taxes-Student Loans Free Telephone Consultation 410-484-4900 24/7 Excellence In Legal Service - Serving The Entire State Of Maryland We have earned the trust of thousands of satisfied clients and have gained experience gained in thousands of successful Bankruptcy cases since 1973. We will properly prepare all required documents for you, promptly file them with the court, appear in court with you at your hearing and keep you fully informed throughtout your case. There is no substitute for trust and experience.
" Your representation was outstanding in recovering thousands of dollars I paid out in a debt consolidation scam, properly representing me in a bankruptcy and getting all my debts eliminated at a low fee and less than one half of what I paid to them. What was most important to me was your integrity and clear answers to my questions." ~~D.G. I was very impressed with your dedication to my case, answering all of my questions throughout the case, obtaining my discharge without delay and getting back the money taken in the wage attachment. If anyone needs to file bankruptcy you are the lawyer they need to call. ~~K.B. " Thanks for taking over my chapter 13 case which enabled me to save my house. " ~~ W.S. " I was suprised to learn how the debt settlment company I saw on television took advantage of me. Thank you for getting my money back from them, properly filing my bankruptcy and saving my house. I recommend your services. " ~~H.M. " Many thanks for a job well done in getting my tax debts and other claims eliminated and being available to answer all of my questions throughout my case." ~~B.W. " I appreciate your meeting with me on the weekends so I did not have to lose time from work."~~N.T. " Thanks for your straight forward answers, working with me with a payment plan and saving my house."~~D.J.
Representing Debtors To Totally Eliminate Debts, Or To Reorganize Debts In Order To Protect Property And To Obtain A Fresh Financial Start Prompt, experienced and effective representation for all financial issues including, foreclosure, repossession, wage attachments, student loans, federal and state tax matters. In addition to bankruptcy, we provide effective representation for tax problems with the IRS, tax audits, tax liens, tax wage attachments, IRS offers in compromise, IRS installment plan arrangements, and IRS audits. Our debt relief agency will fully prepare all bankruptcy documents, both before and after your case is filed, go to court with you, and defend you against contested matters from the trustee, your creditors and their attorneys. We work with you with a workable payment plan and a low fee we invite you to compare. Call, you will see for yourself. Each case is different and presents different opportunities and challenges.
If you have been a victim of a credit counseling program, debt management or home rescue scam, we can help to get your money back, damages or both. We have recovered thousands of dollars for payments made to programs that have misrepresented their status. If you are in a debt management program, you may wish to determine: If you paid money to an unlicensed bankruptcy preparer that did not prepare your documents properly, or gave you any legal advice and you were damaged, we may be able to assist you getting your money back and damages.
"There is No Substitute For Experience."
JACK I. HYATT DISCHARGE A discharge generally relieves a Chapter 7 debtor from all debts incurred prior to the filing of the bankruptcy. A creditor is permanently prevented from attempting to collect such debts from the debtor or the property of the debtor. However, under certain limited and specific circumstances prescribed under the Bankruptcy Code, the court may deny a discharge to the debtor, or may declare certain debts nondischargeable. Bankruptcy Code Section 727 lists grounds under which a Court may deny a discharge to an individual debtor in a Chapter 7 case. Grounds include that the debtor transferred, removed, destroyed, or concealed property of the debtor or estate, failed to keep or produce adequate books or records, failed to satisfactorily explain an asset loss, committed a bankruptcy crime or failed to obey a lawful order. Where a prior Chapter 7 discharge was granted or denied within the last 6 years, or where the debtor completed certain prior chapter 13 plans, the debtor may not be entitled to a discharge in a second Chapter 7 bankruptcy. Discharge is ordered for individual debtors only, not for partnerships or corporations. See Section 727 reproduced here for illustration purposes only. Exceptions To Discharge Claims Which Are Generally "Nondischargeable" Certain debts of an individual debtor may be "non-dischargeable" under Section 523 of the Bankruptcy Code. Section 523 provides that a discharge generally does not discharge certain taxes or customs duties, certain spousal or child support obligations, or fines, penalties, or forfeitures to a governmental unit. In addition, certain student loans, death or personal injury caused by debtor while intoxicated, and a debt to which the debtor waived, or was denied, a discharge in a prior case may be "non-dischargeable". See Section 523 reproduced here for illustration purposes only. Claims Which May Be Found To Be "Nondischargeable" Certain other types of claims may be found to be nondischargeable under Section 523. Provided that the debtor has properly scheduled the debt and provided notice of the Bankruptcy, these types of claims are discharged unless the claimant timely files a proof of claim, and timely files a complaint for a determination of dischargeability of such debt. Debts that are for fraud while the debtor was acting as a fiduciary, embezzelment, or larceny are listed in this category. Also included are willful and malicious injuries and certain property damage caused by the debtor.
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