Chapter 7 and Chapter 13              Low fees              Payment plans              Difficult and Hardship Cases Welcomed              Comlimentary Phone Consultation.               410-484-4900 24/7/365.      

Cheap Bankruptcy Lawyer
Chapter 7 and Chapter 13
Foreclosure Help


Low Fees - Payment Plans
Difficult and Hardship cases Welcomed
Comlimentary Telephone Consultation
410 - 484 - 4900   24/7/365

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     24/7/365

Among 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 on 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 most 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 number 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, 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
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

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Revocable trust trust that the grantor may revoke or change

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

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

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 - created or defined by a law, relating to a statute

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

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Rescission - undoing, repeal, or nullification of a contract

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

Resolution formal adoption of a motion

Statutory law - Laws passed by Congress and state legislatures

Respondent person against whom an appeal is taken, as opposed to the petitioner

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

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

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

No Bill - insufficient evidence to charge a person with a crime

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


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Student loans - Student loan debt is a heavy and increasing burden for most people. Generally, student loan debt is not dischargeable in bankruptcy, though there is an exception for certain fraudulent diploma mills. You should consult an attorney to see if you qualify.

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

Standard of proof - 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.

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Search warrant - written order by a judge to search a specific area for a named piece of evidence. With a few welldefined exceptions, a search warrant is required if any evidence seized is to be admissible in court.

Seal - to authenticate or make binding by affixing a seal; To mark a document with a seal. The term seal may refer to a court seal or a corporate seal

Bankruptcy attorney. A bankruptcy attorney is a member of the Federal bar.

cheap bankruptcy lawyers in Maryland. You can research lawyers fees yourself by asking an attorney for details of his or her fee structure. Speedy Trial Act - Federal law establishing time limits for carrying out major events, such as indictment, or arraignment, in a criminal prosecution

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

Secured debts - Debt secured by 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 civil or criminal subpoena.

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

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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

Self-defense - an act otherwise prohibited but lawfully justifiable because it was needed to protect a person or property from the danger or activeness of another

Self-incrimination, allow against: - The privilege of a witness to refuse to testify against himself or herself if such testimony could result in criminal prosecurion. The tract is secured in the Fifth Amendment to the United States Constitution. Asserting this privilage is often referred to as taking the Fifth.

Self-proving gift - will whose rigor does not need to be testified to in tribunal by the witnesses to it, since the witnesses executed an affidavit reflecting suitable execution of the gift prior to the testator's death

Time - term of incarceration ordered by a legislature as punishment for a crime

Rest close of one side's case

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Sidebar - discussion between the lawyers and the judge, usually in the room, out of the hearing of the jury and spectators

Charge - Formal accusation of a crime.

Notary Public - semipublic official authorized to administer oaths, to declare and testify to documents.

Observation - Starchy request to the company sued in a national framing of the fact that the proceedings has been filed. Also, any constitute of request of a juristic proceeding

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

Minute Line SBA - federal office which provides resource of all kinds, including loans, to small businesses

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Position offenders - Youths found to be habitually fractious. Also referred to as children in need of supervision

Shepardizing - Researching subsequent cases citing a specific opinion using Shepard's directory.

Sheriff - The principal law enforcement officer of a county

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No-fault Transactions - civil action in which parties may reckon their fence without a perfunctory holding of fault or evil

Nonfeasance - Failure to perform an act which should be performed; deletion to execute a required obligation or summate omit of duty

Nonjury trial - trial in which a judge, rather than a jury, is the finder of fact.

Nuncupative testament - oral will, not valid in Maryland.

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service of process - service of writs, summonses, and subpoenas by delivering them to the parties named in the document.

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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