If you are in huge financial trouble, it may be time to consider Maryland Chapter 13 or Chapter 7 bankruptcy. Of course, it’s not a first resort, but if you can barely pay your mortgage anymore, bankruptcy may be your best and only option. Don’t panic. Take a deep breath and call Holmquist & Dickerson at 410.692.5315.
Approximately twice the number of Maryland Chapter 13 filers choose a Chapter 7 bankruptcy. The differences between a Chapter 7 and a Maryland Chapter 13 are considerable. Usually, Chapter 13 is the preferred choice of debtors who own a valuable asset that is not totally protected by Chapter 7 exemptions. With a Maryland Chapter 13, the debtor promises to repay creditors over a certain period of time; usually three to five years. A Maryland Chapter 13 allows the debtor to make up late and overdue payments and bring their payment status up to date. A Maryland Chapter 13 may not wreck your credit quite as awfully as a Chapter 7 bankruptcy. Nobody grows up dreaming of the time when they will declare Maryland bankruptcy. In a perfect world, everyone who wanted to work would have a great job that easily paid their bills with enough left over to have fun. Shame things don’t work out that way.
When you do a Maryland Chapter 13, you will make your payments through a trustee. In a Chapter 7 bankruptcy, the debtor usually enjoys an immediate discharge of debts. This is not how it works with a Maryland Chapter 13 bankruptcy case. In either type of bankruptcy, dun letters and nagging phone calls from creditors will cease. If we help you file a Maryland Chapter 7 or a Maryland Chapter 13, you won’t be nervous about answering the phone or opening the mail any more. We have been in the Maryland Chapter 13 business for years, and we’ve helped thousands of Marylanders save their homes while eliminating their drowning debt. You don’t have to go through it alone. Call Holmquist & Dickerson at 410.692.5315.
Jon Brooks was wonderful to work with on filing for bankruptcy. He is professional, polite, and very detailed. I'm so grateful I'm debt free... Read moreMichelle D., San Jose
I just wanted to take this time to say that I had the privilege of being represented by my bankruptcy attorney Jon. At first I was really te... Read moreFrank S., San Jose
Jon focused on the key issues quickly, and knew critical answers I could not find elsewhere – even from other attorneys! I highly recommen... Read moreC.C., San Jose
If you are reading this, chances are you haven’t been on a ‘winning streak’ in your life lately. When my wife and I came in to see Jon... Read moreKeith A., San Jose
Jon provided me with the pros and cons of what type of bankruptcy to file which I understood very well as they were presented to me and my w... Read moreTony G., Fremont
Jon Brooks demonstrated confidence, compassion, and professional integrity while handling my challenging bankruptcy case. He skillfully disc... Read moreLisa C., Palo Alto
I can't thank Jon enough for helping us through the most difficult time in our life. Coming to the conclusion that I had to file bankruptcy ... Read moreJ.S., San Jose
Choosing Jon to represent me in my bankruptcy case was the best decision I have ever made! He is extremely knowledgeable and explained every... Read moreSara L., Campbell
Jon Brooks helped us get a fresh start without making us feel ashamed for our bankruptcy. He and his staff were professional to an ultimate ... Read moreY. Carter and D. Carter, San Jose
I am a young single mother that went through a very difficult time and knew bankruptcy was the smartest option for me at the time. Mr. Brook... Read moreS.M., San Jose
We were saved by the office of Jon Brooks when our country was in the Great Recession. They solved our second mortgage and debt problems pow... Read moreSam S., San Jose
Jon Brooks and his wonderful team helped me with my bankruptcy case and gave me back my peace of mind. My initial (free) consultation with M... Read moreRaquel P., San Jose
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