Frequently Asked Questions

Can I file bankruptcy and keep my house?

In most cases, yes! Whether you can keep your home depends on factors such as the type of bankruptcy you file, the amount of equity in the property, your mortgage status, and Maryland bankruptcy exemption laws. Chapter 13 bankruptcy may allow some individuals to catch up on missed mortgage payments through a repayment plan.

What is the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 bankruptcy is generally designed to help eliminate qualifying unsecured debts, while Chapter 13 bankruptcy reorganizes debt into a repayment plan over time. The right option depends on your income, assets, debts, and financial goals.

Will filing bankruptcy stop creditor calls and collection efforts?

Filing for bankruptcy may trigger an automatic stay, which can temporarily stop many collection actions such as creditor calls, wage garnishments, foreclosure proceedings, and lawsuits. Every case is different, so it is important to discuss your situation with a bankruptcy attorney.

How long does bankruptcy stay on my credit report?

A Chapter 7 bankruptcy may remain on your credit report for up to 10 years, while Chapter 13 bankruptcy may remain for up to 7 years. Many individuals begin rebuilding their credit before that time period ends through responsible financial management.

What types of debt can bankruptcy help with?

Bankruptcy may help address certain unsecured debts, including credit card debt, medical bills, personal loans, and collection accounts. Some debts, such as certain taxes, student loans, or child support obligations, may not be dischargeable.

Do I need a personal injury attorney after a car accident?

Working with a personal injury attorney may help protect your rights after an accident, especially if you are dealing with injuries, medical expenses, insurance disputes, lost wages, or long-term recovery issues. An attorney can help review your case and explain your legal options.

What compensation can I recover in a personal injury case?

Depending on the circumstances, compensation may include medical expenses, lost income, rehabilitation costs, pain and suffering, emotional distress, and other damages related to the accident or injury.

How long do I have to file a personal injury claim in Maryland?

Maryland law generally places time limits, known as statutes of limitations, on filing personal injury claims. The exact timeframe depends on the type of case and circumstances involved, so it is important to speak with an attorney as soon as possible after an accident.

What should I do after a slip and fall accident?

After a slip and fall accident, seek medical attention, document the scene if possible, report the incident to the property owner or manager, and keep records related to your injuries and treatment. Speaking with a personal injury attorney can help you understand your next steps.

How much does it cost to speak with your law office?

The Law Office of Marlow A. Henderson III offers free 30-minute consultations for individuals seeking legal guidance regarding bankruptcy and personal injury matters. Contact the office to discuss your situation and learn more about your legal options.