Where Maryland Goes for Financial Relief  Work With Experienced Attorneys at One of
Maryland's Most Respected Bankruptcy Law Firms

Bankruptcy Lawyer Baltimore

Here to Help You

You don’t have to face financial hardship by yourself. With over five decades of combined experience, the bankruptcy attorneys at Sanchez Garrison & Associates, LLC, are here to help you regain a solid financial footing.

We know how overwhelming debt can feel. Let us stand by your side and advocate for the fair and compassionate resolution you deserve. Our strategic guidance has turned desperation into hope for thousands of people in Baltimore and throughout Maryland.

Our legal team will listen with empathy, explain things clearly, and guide you through the bankruptcy process. With customized legal strategies, we aim to minimize the financial damage, reduce debt, and empower you to start fresh. Our attorneys have the knowledge and experience to protect your interests and the tenacity to fight for your rights.

Call us at (410) 406-7372 or contact us online for a free case evaluation. Our Baltimore bankruptcy attorneys are here to help get you back on track.

Maryland Bankruptcy Services

Are you struggling with debt? We can help you understand your options. 

Our bankruptcy lawyers in Baltimore handle all matters involving debt, including:

No matter what brought you here, rest assured we have the experience and strategic focus to help you. In addition to traditional bankruptcy filings, we also assist clients with developing long-term financial plans and budgets post-bankruptcy. 

Our goal is not just to address your current financial difficulties but to help you avoid future financial pitfalls. We understand that debt issues can be complex, and require a thorough evaluation and personalized strategy. By revisiting your financial goals and restructuring your approach, we can put you on the path to lasting financial health.

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Time For a Fresh Start

What Can We Help You With?

Affordable Bankruptcy Representation in Baltimore

We know financial struggles can happen unexpectedly. You did not choose this path intentionally, and we can guide you towards relief.

Bankruptcy may be your answer to eliminating or restructuring unmanageable debt and stopping harassment from collectors. Our customized solutions can help you regain control of your unique situation. We will evaluate your specific circumstances, answer all your questions, and handle complex paperwork so you can focus on the future.

Filing for bankruptcy allows you to eliminate eligible debt, keep exempt assets, and structure affordable payments on what remains. Our strategic guidance empowers you to rebuild your financial life stronger than before.

Stop Debt Collectors, Repossessions & Foreclosure 

Through filing for Chapter 7 or Chapter 13 bankruptcy, we can legally stop wage garnishment, foreclosures, repossessions, utility shut-offs, and harassment from creditors demanding payment. This gives you time to get back on your feet.

We will walk you through every step and stop debt collection activities while we create your roadmap to financial stability. No more worrying about assets being seized or accounts emptied. We understand you likely have concerns about bankruptcy. 

Our legal team takes the time to explain the process and address your questions, such as:

  • Is bankruptcy the right option? We’ll review your circumstances and provide honest guidance on whether filing for bankruptcy is the best course of action for you.
  • Which Chapter is best for your unique situation? If bankruptcy is an option, we’ll help determine if Chapter 7 or 13 is better suited to your goals.
  • Will I lose assets? We’ll verify which property exemptions apply and clarify what you can keep versus what may need to be surrendered.

We encourage you to ask us anything - no question is too small. Our Baltimore bankruptcy lawyer can provide the insights you need to make informed decisions.

Recent changes in bankruptcy law have introduced new considerations and requirements that can significantly affect your filing. We stay updated on these legal changes to ensure that our clients receive the most current advice. Whether it's the means test for filing Chapter 7 or the intricacies of developing a feasible repayment plan under Chapter 13, our team is equipped to handle it all expertly. Our commitment is not only to represent you but to support your financial growth going forward.

Call (410) 406-7372 or contact us online for a free case evaluation.

Understanding Baltimore Bankruptcy Laws & Regulations

Navigating the legal landscape of bankruptcy in Baltimore requires a keen understanding of both federal laws and Maryland's specific statutes. Notably, Maryland doesn't offer its own set of bankruptcy exemptions, meaning residents must rely on federal exemptions when filing. This can have significant implications for your assets, especially when considering what can be retained post-bankruptcy.

Moreover, Baltimore's local economy and common financial challenges often influence the types of debts individuals incur. Many residents face issues like student loan debt, medical expenses, and credit card obligations due to fluctuating job markets and economic conditions. By understanding these community-specific challenges, our team tailors our financial relief strategies to meet the unique needs of Baltimore residents.

Frequently Asked Questions

What Is the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

Chapter 7 bankruptcy, often referred to as liquidation bankruptcy, allows individuals to discharge most unsecured debts. This typically results in a quicker resolution, but it may involve selling off non-exempt assets. In contrast, Chapter 13 bankruptcy involves setting up a repayment plan to pay creditors over three to five years. It's often better suited for individuals with a steady income who wish to retain their assets. The choice between Chapter 7 and Chapter 13 largely depends on your income levels, asset ownership, and long-term financial goals.

Can Bankruptcy Stop All Creditor Harassment?

Yes, once you file for bankruptcy, an automatic stay is enacted. This is a powerful tool that immediately halts most collection actions, including lawsuits, wage garnishments, and threatening calls from creditors. However, there are some exceptions; for instance, some tax obligations, child support, and alimony are not halted by filing. Our attorneys ensure you fully understand the scope and limitations of this protection.

Will Bankruptcy Affect My Credit Score Permanently?

While filing for bankruptcy can initially lower your credit score, it also provides a framework to rebuild your financial life without the burden of unmanageable debt. Most individuals find that their ability to manage credit improves as they establish good financial habits post-bankruptcy. With time and responsible credit use, your credit score can significantly recover.

How Long Does the Bankruptcy Process Take?

The duration of a bankruptcy process varies by the type of filing. Chapter 7 bankruptcy typically takes about three to six months from the initial filing to discharge. On the other hand, Chapter 13 requires a repayment period of three to five years, as debts are restructured to allow for partial or full repayment over that time. Our team guides you through each step swiftly and competently.

Is It Possible to File for Bankruptcy More Than Once?

Yes, it is possible to file for bankruptcy more than once, but there are specific time restrictions involved. After a Chapter 7 discharge, you must wait eight years before filing another Chapter 7 bankruptcy. If filing Chapter 13 after a Chapter 7 discharge, you must wait four years. These rules ensure that bankruptcy is used responsibly and underscores its role as a financial reset rather than a repeated escape strategy.

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About Us

We're a trusted law firm serving Maryland's Bankruptcy Cases.

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    "Very professional, friendly, reassuring, and honest."

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    I worked specifically with Mr. Chambers. This was a process that was met with professionalism and empathy. If you have the ...

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    "The whole law firm was outstanding. I would call on these lawyers anytime."

    First time going through bankruptcy I was totally lost and didn't know what to do. So I took a wild pick and called Joshua he ...

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    Mr. Sanchez did exactly what we discussed, and returned my calls if I needed to speak to him. The case was finished in the ...

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    "Awesome service!!!"

    Awesome service!!! Rita,Timothy and Alex are wonderful through the whole process. Highly Recommend. Thank you guys so much!

    - Jen S.

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Why Choose Us?

  • Focused & Dedicated to Only Handle Bankruptcy Cases
  • More Than 50 Years of Experience
  • Top-Rated Maryland Law Firm
  • Everything Can Be Done Virtually in the Comfort of Your Home
  • We Handle Cases Throughout the Entire State of Maryland