Baltimore County Bankruptcy Lawyer
The burden of overwhelming debt can be too much for anyone to handle. That is where we come in to help. At The Law Offices of Nicholas J. Del Pizzo, III P.A. in Baltimore, our knowledge of and experience with bankruptcy law can help you get that fresh start by wiping out your debts, reorganizing your finances or saving your home.
Chapter 7 Bankruptcy
Part of qualifying for Chapter 7 under the new bankruptcy laws is passing a means test based on the median income in Maryland. With the state having the second highest income per capita in the country, approximately 2 to 3 percent do not qualify. You have the chance to get that fresh start and stop harassing bill collectors and frightening lawsuits. We will help you wipe out those unsecured debts.
Chapter 13 Bankruptcy
The small number of clients who do not qualify for Chapter 7 bankruptcy can use Chapter 13 as an option. While not discharging your debts, you have the opportunity to reorganize them. That relieves the stress of past-due taxes and stops the foreclosure of your home.
The possible loss of your home through foreclosure is unsettling. The hard work you put in to secure a home for your family could vanish in an instant through a sheriff's sale. Chapter 13 bankruptcy can help you save your house and even provide the opportunity to refinance.
Stop the constantly ringing phone caused by harassing creditors. Prevent wage garnishments.
Stop lawsuits. All this can be done through bankruptcy.
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