Our objective is to provide Chapter 7 and Chapter 13 with low fees and payment plans              Difficult and Hardship Cases Welcomed              Comlimentary Phone Consultation.               410-484-4900 24/7/365.      

Cheap Bankruptcy Lawyer
Chapter 7 and Chapter 13


Low Fees - Payment Plans
Difficult and Hardship cases Welcomed
Comlimentary Telephone Consultation
410 - 484 - 4900   24/7

Difficult and Hardship Cases Accepted for Chapters 7 & 13
Payment Plans - Low Fees
Experienced gained in thousands of cases
Evening & Weekend Appointments
Comlimentary Telephone Consultation
410 - 484 - 4900     24/7

Amoung the tell tale signals that that Bankruptcy will be helpful for you is if the interest on your credit card accounts and bank loans are preventing you from paying down your monthly bills in a regular time table. Often what many persons in debt experience is that all of the money they are paying to their creditors is being applied to interest and late charges.

When this happens frequenty even though you are making regular payments the bills actually increase. This is freqauently due to the fact that many credit cards have very high rates of interest.

When this is happening the majority portion of the monthly payment is being devoted to interest, late fees, defualt fees and sometimes legal fees and court costs.

Another signal that bankruptcy maybe able to help is in the event that the debtor is making payments on secured property such as a house or a vehicle and the value of the house or vehicle is less than the current value of the car or vehicle.

Certain types of actions in certain types of bankruptcy cases may enable a debtor to reduct the value of the house or vehicle to its current value and in some instances the interest rate can sometimes be reduced

What many debtors do not realize is that generally, the longer a person is in debt, the longer their credit will be negative. At the point of time that a bankruptcy case is filed, automatic order of relief is generated by the court that prevents credtiors from taking certain legal action against the person that filed bankrupcy.

In Chapter seven cases, generally in a numbber of weeks the bankruptcy court schedules a hearing. This hearing is often referred to as the three forty one hearing. The name is taken from that secion of the bankruptcy code. Although creditors are given notice to appear at the hearing in practice most credors do not actually appear. Even if credtitors do not appear, they have right to contest the bankruptcy case by way of filing an adversary proceeding. The actual hearing is conducted by a person that is usually a trustee.

A trustee, which is usually an attorney, swears the debtor under oath an asks questions. The focal point of the questions is to determine if the debtor has any assets that are exceed the debtor's claim of exemption that would be avakilable for distribution.

A Chapter 7 Bankruptcy case is the type of case in which the debtor dedicates all of the assets to a trustee. The trustee is charged with the responsibility of liquidating all of the non exempt assets for distribution to all of the creditors who file claims. A Chapter 7 case is very different from a chapter 13 case in which the debtor makes payments to the trustee.

Creditors have the right to contest a chapter seven or chapter thirteen bankruptcy case in different ways. The first method that permits a credtior to contest a bnakruptcy case is to file a proceeding to except the debt from the general discharge. In the event that they wil be swuccessful, the debtor will obtain a discharge but that creditor's debt will no tbe discharged.

The second method is to contest the discharge itself. In the event that the credtor will be successful the entire discharge will be denied. Upon reciept of your call we can provide the foundations for these types of proceedings.

Client Comments

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.

" 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.

" Thanks for taking over my chapter 13 case which enabled me to save my house. " ~~ W.S.

" 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 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.

" I appreciate your meeting with me on the weekends so I did not have to lose time from work."~~N.T.

Bruce Lamb, Esquire
University of Baltimore J.D.
Johns Hopkins University MLA
Loyola University B.S.

Common Bankruptcy Terms

Rescission - repeal, unmaking or nullification of a contract

Research inquiry, investigation, or careful hunting for facts or truth about a subject;

Resolution formal adoption of a motion

Social Security - system of federal old age pensions for employed persons. A portion of the payments are deducted from the employee's salary and an equal portion is contributed by the employer

Statute - Legislative enactment; it may be a single act of a legislature or a body of acts that are collected and arranged for a session of a legislature

Statute of frauds - statutory requirement that certain contracts must be in writing

Statute of limitations - statute which limits the right of the plaintiff to file an action unless it is done within a specified time period after the occurrence which gives rise to the right to sue

Statutory - Relating to a statute; created or defined by a law

Statutory construction - Process by which a court seeks to interpret the meaning or scope of legislation

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Statutory law - Laws promulgated by Congress and state legislatures

Respondent person against whom an appeal is taken

Reversible error procedural error during a trial or hearing serious enough to justify reversing a court's decisioin of a lower court

Revocable trust trust that the grantor may change or revoke

Revoke To cancel or rescind a legal document

Right of way The right of a party to pass over the land of another

Robinson-Patman Act amendment to the Clayton Act that deals with certain price discrimination cheap bankruptcy attorney<

Robbery Felonious taking of another's property, from the person or immediate presence and against that person's will, by means of force or fear

Rules Established standards, guides, or regulations set up by authority

Rules of evidence Standards governing whether evidence in a civil or criminal case is admissible

No Bill - insufficient evidence to indict

No-contest Clause - Language in a will that provides that if a person makes a legal challenge to the will's validity thsat person will be disinherited

Oath - solemn pledge done with a sense of responsibility in attestation of the truth of a statement in question or in verification of a statement made

Noise Control Act - act which gives government agencies the right to promulgate standards and regulations relating to abatement of noise emissions

. Search warrant - written order issued by a judge to search a specific area for a particular piece of evidence

Seal - To mark a document with a seal; to authenticate or make binding by affixing a seal. Court seal, corporate seal

Secondary authority - Legal encyclopedias, treatises, legal texts, law review articles, and citators. These are writings which set forth the opinion of the writer as to the law

Secured debts - In bankruptcy, a debt is secured if the debtor gave the creditor a right to repossess the property or goods used as collateral

Securities an Exchange Commission - federal agency which monitors the securities industry

Restitution Act of restoring property to its rightful owner; the act of restoring someone to an economic position he or she enjoyed before a loss

Retainer Act of the client in employing the attorney or counsel, and also denotes the fee which the client pays when he or she retains the attorney to act for them

Return report to a judge by police on the implementation of an arrest or search warrant. Also, a report to a judge in reply to a subpoena, civil or criminal

Reverse action of a higher court in setting aside or revoking a lower court decision cheap bankruptcy attorneys <

Sequester - To separate. Sometimes juries are separated from outside influences during their deliberations. For example, this may occur during a highly publicized trial

Sequestration of witnesses - Keeping all witnesses except plaintiff and defendant out of the courtroom except for certain time on the stand, and cautioning them not to discuss their testimony with other witnesses. Also referred to as separation of witnesses.

Social Security Administration - federal agency which administers the national social security program

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Social Security Tax - payroll deduction based on gross wages paid; the amount of this tax is matched by the employer as required by the Federal Insurance Contribution Act

Sovereign Immunity - doctrine that the government, state or federal, is immune to lawsuit unless it give its consent

Specific performance - remedy requiring a person who has breached a contract to perform specifically what he or she has agreed to do. Specific performance is ordered when damages would be inadequate compensation

Speedy Trial Act - Federal law establishing time limits for carrying out major events, i.e. indictment, arraignment, ., in a criminal prosecution

Spendthrift trust - trust set up for the benefits of a party that the grantor believes would be incapable of managing his or her own financial affairs

Standard of proof - Indicates the degree to which the point must be proven. In a certain civil cases, the actual burden of proof rests with the plaintiff, who must establish his or her case by such standards of proof as clear and convincing evidence or a preponderance of evidence.

Standing - legal right to bring a lawsuit. Only a person with something at stake has standing to bring a lawsuit by a cheap bankruptcy lawyer

Self-defense - claim that an act otherwise criminal was legally justifiable because it was necessary to protect a person or property from the threat or action of another

Self-incrimination, privilege against: - The constitutional right of people to refuse to testify against themselves that could subject them to criminal prosecution. The right is guaranteed in the Fifth Amendment to the United States Constitution . Asserting the right is often referred to as taking the Fifth.

Self-proving will - will whose validity does not have to be testified to in court by the witnesses to it, since the witnesses executed an affidavit reflecting proper execution of the will prior to the maker's death

Sentence - punishment ordered by a court for a defendant convicted of a crime

Rest conclusion of one party's case

Restatement publication compiled from statutes and decisions which tells what the law is in a particular field.

Status offenders - Youths charged with the status of being beyond the control of their legal guardian or are habitually disobedient, truant from school, or having committed other acts that would not be a crime if committed by an adult smoking. Also referred to as minors or children in need of supervision

Shepardizing - Method for finding subsequent development of a legal theory by tracing the status of a case as legal authority

Sheriff - Texecutive officer of local court in some areas. In other jurisdictions the sheriff is the chief law enforcement officer of a county

Sherman Act - basic antitrust statute prohibiting any unreasonable interference, conspiracy, restraint of trade, or monopolies with respect to interstate commerce

Sidebar - conference between the judge and lawyers, usually in the courtroom, out of the hearing of the jury and spectators

Slander - Spoken defamation which tends to injure a person's reputation cheap bankruptcy attorney

Notary Public - public officer whose function it is to administer oaths, to attest and certify documents, and to take acknowledgments

Notice - Formal notification to the party that has been sued in a civil case of the fact that the lawsuit has been filed. Also, any form of notification of a legal proceeding

Notice to creditors - notice given by the bankruptcy court to all creditors of a meeting of creditors

Small Business SBA - federal agency which provides assistance of all kinds, including loans, to small businesses

No-fault Proceedings - civil case in which parties may resolve their dispute without a formal holding of error or fault

Nonfeasance - Nonperformance of an act which should be performed; omission to perform a required obligation or total neglect of duty

Nonjury trial - Trial without a jury.

Nuncupative will - oral unwritten will

Service of process - delivering of writs, summonses, and subpoenas by delivering them to the party named in the document. Also referred to as service.

Settlement - agreement between the parties disposing of a lawsuit cheap bankruptcy lawyer Settlor - person who sets up a trust. Also referred to as grantor.

Small Claims Court - A state court that handles civil claims for small amounts of money. People frequently represent themselves rather than hire a lawyer

Statutory research - Research of legislation enacted by a state legislature or the Congress of the United States

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The content of this site does not form an attorney client relationship and not decision should be made without retaining an attorney. © Bruce Lamb, 2012