Filing for bankruptcy is a serious decision that can shape your financial future for years to come. Whether you’re drowning in credit card debt, facing wage garnishment, or trying to protect your home from foreclosure, having the right bankruptcy attorney by your side is critical. If you’re considering bankruptcy in 2025, it’s important to prepare for your first consultation with the right questions—especially if you’re looking for representation in Baltimore, Maryland.
Questions to Ask a Baltimore Bankruptcy Attorney in 2025?
If You’re Looking for a Bankruptcy Attorney, Getting Answers to These Five Questions Will Help You Make the Right Choice
Bankruptcy law is complex, and no two financial situations are exactly alike. Asking thoughtful, specific questions during your consultation helps you determine whether an attorney is the right fit and ensures you’re informed about the bankruptcy process ahead.
Five Questions to Ask a Bankruptcy Attorney
Will I be able to erase all my debt in bankruptcy?
Not all debts can be discharged in bankruptcy. A knowledgeable attorney will review your situation and explain which debts can be eliminated—such as credit card debt or medical bills—and which typically cannot, like student loans, recent taxes, child support, or alimony. This question is essential to setting realistic expectations and avoiding surprises down the line.
Will I lose property in bankruptcy?
Many people are understandably concerned about losing their home, car, or personal belongings. In Maryland, there are specific exemption laws that protect certain assets. Your attorney should walk you through what property you can keep in both Chapter 7 and Chapter 13 bankruptcy and explain how local rules in Baltimore could affect your case.
Should I file for Chapter 7 bankruptcy or Chapter 13 bankruptcy?
Your income, the type of debts you owe, and your long-term financial goals will determine whether Chapter 7 or Chapter 13 is the better option. A good attorney will evaluate your full financial picture and help you choose the path that offers the most relief with the least disruption.
When will you file my bankruptcy case—and when will it be over?
It’s important to ask how quickly the attorney can file your case and how long the overall process will take. Most Chapter 7 bankruptcies in Maryland are completed in about 3 to 6 months. Chapter 13 cases typically take 3 to 5 years to complete. Your attorney should explain the timeline and what you need to do to avoid unnecessary delays.
How much will the lawyer’s retainer and bankruptcy filing fee cost?
Bankruptcy has upfront costs, including attorney fees and court filing fees. Ask for a clear explanation of how much you’ll need to pay, when payments are due, and what services are included. A transparent attorney will help you understand the financial commitment so you can plan accordingly.
Navigating Your Bankruptcy Case
Understanding the process helps you prepare for each step and ensures you comply with all requirements.
Step 1: Understand Your Bankruptcy Options
Your attorney will help you determine whether Chapter 7 or Chapter 13 bankruptcy best suits your needs based on your income, debts, and goals.
Step 2: Gather Financial Documentation
You’ll need to provide bank statements, pay stubs, tax returns, a list of assets and debts, and other financial records.
Step 3: Credit Counseling
Maryland law requires you to complete a credit counseling course from an approved provider before filing.
Step 4: File the Bankruptcy Petition
Once your petition is filed with the court, an automatic stay goes into effect, stopping most collection actions.
Step 5: Trustee Appointment and Creditor Meeting
You’ll attend a 341 Meeting of Creditors, where the trustee reviews your case. Creditors can also attend but often do not.
Step 6: Follow Through on the Bankruptcy Type Specifics
In Chapter 7, non-exempt assets may be liquidated. In Chapter 13, you’ll begin making payments under a court-approved plan.
Step 7: Post-Bankruptcy Financial Management
You must complete a financial education course to receive your discharge. Your attorney can also help you create a plan to rebuild your credit and stay on track financially.
Ready to Meet with a Baltimore Bankruptcy Attorney?
If you’re thinking about bankruptcy in 2025, now is the time to speak with a legal professional who understands the unique needs of Baltimore residents. The Law Offices of Nicholas J. Del Pizzo offers experienced, compassionate bankruptcy representation for individuals and families across Baltimore and Dundalk.
Whether you’re exploring Chapter 7 or Chapter 13, our team is here to guide you every step of the way—from your first consultation through discharge and beyond. We take the time to answer your questions, evaluate your financial situation, and help you make informed decisions about your future.
Contact The Law Offices of Nicholas J. Del Pizzo today to schedule your free bankruptcy consultation and take the first step toward a fresh financial start.