Low Fees - Payment Plans        Difficult and Hardship Cases Welcomed       Free Phone Consultation. 410-484-4900 24/7.       Experience gained in thousands of cases since 1973.         There is no substitute for experience.

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Chapters 7 & 13 Foreclosure Help

 

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


Hardship and Difficult Cases Accepted
Low Fees - Payment Plans - Evening & Weekend Appointments
Free Telephone Consultation 410 - 484 - 4900 24/7
Excellence In Legal Service - Serving The Entire State Of Maryland

In the event that you believe that the interest on your debts is preventing you to realisitically pay your debts or if you beleive that the interest and last charges on your debts is preventing you from paying down your debts bankruptcy may be the only realistic option for you. Our office has gained experience in representing thousands of consumers and business since 1973 with low fees and payment plans. "There is no substitute for experience." As we are sensitive to the fact that your time is valuable we have evening and weekend appointments. At your initial appointment we will review your factual situation and explain your bankruptcy options, as well as your non bankruptcy options to you. In the event that another option may be more beneficial than bankruptcy we will also fully explain those options to you.

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.

Serving The Entire State Of Maryland since 1973. - Excellence In Legal Service

We have earned the trust of thousands of satisfied clients and have gained experience in thousands of successful chapter 7 and chapter 13 Bankruptcy cases since 1973. We will properly prepare all legal documents for you, promptly file them with the court, prepare your case for hearing, appear in court with you at your hearing and keep you fully informed throughtout your case. There is no substitute for trust and experience.

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 attorney 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.

Representing persons in debt to completely eliminate debts or to reorganize and reduce payments in order to save your home or car and obtain a fresh financal start.

Prompt, experienced and effective representation for all financial issues including, foreclosure repossession, student loans, wage attachments, federal and state tax matters. In addition to bankruptcy, we provide effective representation for special tax problems with the IRS, tax audits, tax liens, tax wage attachments, IRS installment plan arrangements, and IRS audits.

If you are currently in a Chapter 13, making payments to a mortgage company, a trustee, and learing that your your Chapter 13 plan can not be confirmed, and your Chapter 13 will not result in saving your home, upon the review of the facts in your case in many instances, we can provide options that will be less expensive and far more effective.

Our debt relief agency will fully prepare all bankruptcy documents with the court, go to court with you, and defend you against contested matters from the trustee, your creditors and their attorneys.

We work with you with a workable payment plan and a low fee we invite you to compare. Call, you will see for yourself.

Each case presents different opportunities and challenges.


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

Bankuptcy terms that you should be aware of:

Alleged - Claimed, stated; asserted; or charged.

Allegation - Statement of the issues in a written document.

Alternative Dispute Resolution - Settling a dispute without a full or formal trial. Methods include arbirtration, mediation, conciliation, and settlement facilitation, among others.

Amend - Improve, change or correct a complaint or other pleading.

Unlawful Search - Examination or inspection of premises or persons in violation of certain types of immunity from unreasonable search and seizure under the Fourth Amendment to the U.S. Constitution without authority of the law.

Unsecured - In collection or bankruptcy proceedings, a debt or a claim is unsecured if there is no collateral, or to the extent the value of collateral is less than the amount of the debt.

Usury - Charging a higher interest rate or higher fees than the law allows.

Amicus Curiae - Friend of the court. Person not a party to a particular case who volunteers or is asked by the court to offer information on a point of law or some other aspect of the case to assist the court in deciding a matter before it.

Answer - Defendant's response to a plaintiff's allegations as stated in a civil complaint.

Appeal - Application to a higher court for review of an order of conviction or of a civil judgment against a individual.

Appeal Bond - Sum of money posted by a person appealing a judicial decision.

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Appearance - Formal proceeding by which a defendant submits to the jurisdiction of the court.

Trustor -Person who sets up a trust.

UCC - Uniform Commercial Code. The UCC governs sales of goods to or by a merchant.

Unenforceable Contract - A contract that violates the law, as one that violates the Statute of Frauds or exceeds the Statute of Limitations.

Unjust Enrichment - Unfair gain at the expense of another, as by mistake by which principles of justice and equity require the person to return or pay for the property or benefits received.

Unlawful Detainer - Unjustifiable retention of real estate without the consent of the owner; unlawful detainer may occur when a tenant refuses to leave premises after the right of occupancy has ended.

Appellant - Individual who takes an appeal from one court or jurisdiction to another, inexpensive bankruptcy, inexpensive bankruptcy attorney, inexpensive bankruptcy attorney,.

Appellate Court - Court having jurisdiction review a trial court's decision and to hear appeals.

Vacate - To set aside, as a judgment.

Verdict - The findings of a judge or jury at the end of the trial.

Appellee - Individual against whom an appeal is taken.

Arbitration - Form of alternative dispute resolution in which the parties bring their dispute to a neutral third individual and agree to accept his her decision.

True Copy - Exact copy of a written instrument. when that person intends to commit the crime and begins to do an act that constitutes a substantial part of the crime, but fails to complete or commit the crime.

Attorney at Law - A licensed attorney or advocate authorized by the courts to prepare, manage and try cases in court, to prepare legal documents, and otherwise to represent the interests of citizens.

Attorney-in-Fact - A private person not necessarily a attorney authorized by another to act in his her place, either for some particular purpose, as to do a specified act; or for the transaction of business in general, not of legal character.

Attorney-of Record - The attorney retained or assigned to represent a client, inexpensive bankruptcy, inexpensive bankruptcy attorney, inexpensive bankruptcy attorney,

Suspended Sentence - Postponed execution of sentence; sentence is imposed, and execution of sentence is suspended, postponed, or stayed for a period and on conditions set by the judge.

Suspension of driver's license - The driver's license and privilege to drive are temporarily withdrawn, but only during the period of such suspension.

Settlor - Person who sets up a trust.

Severance - Separation of offenses or defendants into different trials.

Temporary Relief - An order designed to protect one party's interest pending further action by the court.

Temporary Restraining Order - Judge's order forbidding certain actions until a full hearing can be held.

Testamentary Capacity - Legal ability to make a will.

Arraignment - Appearance of the defendant in criminal court in which he or she is advised of rights and enters a plea to the charges.

Arrest -Official taking of a person to answer criminal charges.

Arrest Warrant - Order by a judge for the law enforcement officer to arrest a person for allegedly committing a crime.

Assault - Threat to inflict injury with the apparent ability to do so. A

Transcript - Written, word for word record of what was said.

Transfer cases - Cases going from one jurisdiction to another,inexpensive bankruptcy attorneys,

Trial - Examination of any issue of law or fact before a court to determine the rights of the parties.

Sustain - A court decision upholding an objection or a motion.

Sworn Complaint - A sworn, witnessed complaint filed with the Clerk of the Court.

Redress - to remove the causes of a grievance to compensate, to set right; to remedy.

Referee - A person to whom the court refers a pending case to take testimony, hear the parties, and report back to the court.

Sequestration of Witnesses - Exclusion of all witnesses except plaintiff and defendant from the courtroom except for their time on the stand, and cautioning them not to discuss their testimony with other witnesses. Sequestration of witnesses prevents the witness from being influenced by the testimony of a prior witness.

Service - Delivery of a legal document, or of a requirement to appear in court, by an officially authorized person in accordance with the formal requirements of the applicable laws. Service is required, unless waived, for complaints, summonses, or subpoenas, to notify a person of a lawsuit or other legal action taken against him her.

Settlement - An agreement between parties disposing of a lawsuit.

Trial by Jury - Trial by a group of persons chosen from the citizens of a particular district sworn to try one or more questions of fact and determine them by their verdict.

Trial de Novo - Retrial in district court conducted as if no trial had occurred in the lower court.

Bail - Property posted to procure release of a defendant in a criminal proceeding by insuring his or her future appearance in court, and compelling him her to remain within the jurisdiction of the court. .

Attachment - Taking and holding of a person's property during proceedings to ensure satisfaction of a judgment not yet rendered.

At Issue - Ready for trial.

Attempt - A person attempts to commit a crime

Arbitration - Form of alternative dispute resolution in which the parties bring their dispute to a neutral third individual and agree to accept his her decision. In arbitration there is a hearing at which both parties have an opportunity to be heard.

Arraignment - Appearance of the person charged in criminal court in which that person is advised of rights and enters a plea to the charges.

Arrest -Official taking of a person in custody in order to answer criminal charges.

Arrest Warrant - Order by a judge for a police officer to arrest an individual for allegedly committing a crime.

Assault - Threat to inflict injury with the apparent ability to do so. +

Transcript - Written, word-for-word record of what was said in the record of a hearing or oral deposition.

Transfer cases - Cases going from one jurisdiction or court to another.

Trial - Examination of any issue of law or fact before the court to determine the rights of the parties.

Trial by Jury - Trial by a group of persons picked from the citizens of a particular district who try one or more questions of fact and determine them by their verdict.

Trial de Novo - Retrial in district court conducted as if no trial had occurred in the lower court.

True Bill - Finding by a grand jury that there is sufficient evidence to warrant a criminal charge against an individual.

True Bill - Finding by a grand jury of sufficient evidence to warrant a criminal charge that allows trial to proceed.

Attorney at Law - Licensed attorney authorized by the courts to prepare, manage and try cases in court, to prepare legal documents, and otherwise to represent the interests of citizens.

Suspended Sentence - Postponed execution of sentence; sentence is imposed, and execution of sentence is suspended, postponed, or stayed for a period and on conditions set by the judge.

Suspension of driver's license - Withdrawal of a driver's license and privilege to a vehicle drive are temporarily withdrawn, but only during the term of such suspension.

Sustain - To uphold an objection.

Sworn Complaint - A sworn, witnessed complaint filed with the Clerk of the Court.

Bench Warrant - Order to arrest a person because of his her failure to obey a court order.

Beneficiary - Someone named to receive property or benefits in a will or trust, insurance policy, or other such document.

Attorney-in-Fact - A private person authorized by another to act in his her place, either for some particular purpose, as to do a specified act; or for the transaction of business in general, not of legal character.

Attorney-of Record - attorney retained or assigned to represent a client, inexpensive bankruptcy, inexpensive bankruptcy attorney, inexpensive bankruptcy attorney,

Bequeath - To leave a gift to someone through a will.

Bequests - Gifts made through a will.

Summary Judgment - Decision on the basis of statements and evidence presented for the record without a trial, used when there is no dispute as to material facts of the case, and one individual is entitled to judgment as a matter of law.

Summons - Document signed by a deputy clerk ordering a person to appear before the court to respond to a complaint.

Support Trust - Trust that instructs the trustee to spend only as much income as needed for the beneficiary's support.

Suppress - Exclude evidence at the trial because it is improper or was improperly obtained.

Supra - Latin for above.

Surety - A person who signs a bond and guarantees to pay money if the defendant fails to appear in court.

Testator - Person who makes a will.

Testimony - Evidence given by a witness under oath. Testimony does not include evidence from documents and other physical evidence.

Third Individual - A party not actively involved in a legal proceeding, agreement, or transaction, but affected by it.

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Third-Individual Claim - Action by the defendant bringing a third individual into a lawsuit.

Bail Bond - Acceptance of responsibility for a defendant that insures that person's her appearance in court. In signing the form, the person posting the bond agrees to give up the bond if the defendant fails to appear in court as ordered.

Bailiff - Court attendant who keeps order in the courtroom and is responsible for a jury.

Venire - Writ summoning people to the court to act as jurors.

Venue - Place in which prosecution of a case is brought venue may be in the county of the defendant's residence or in the county in which the offense is alleged to have been committed.

Vested - Fixed; absolute, accrued; settled.

Bankruptcy - Body of statutes and judicial proceedings concerning persons or businesses who cannot pay their debts and seek the assistance of the court in getting a fresh start. Debtors may be discharged or released from their debts completely or allowed to repay them in whole or in part on a manageable schedule. Federal bankruptcy judges preside over these proceedings. The person with the debts is known as the debtor and the people or companies to whom the debtor owes money are known as creditors.

Bar The railing separating the general public from the space occupied by the judges, attorneys, and other participants in a trial. Also, the body of attorneys within a jurisdiction.

Bar Examination - A state examination taken by prospective attorneys, qualifying them to be licensed to practice law.

Testamentary Trust - A trust set up by a will, effective only upon the death of a testator.

Trust - Legal device used to manage real or personal property, established by one person called the grantor or settlor for the benefit of another called the beneficiary.

Trust Agreement or Declaration - The legal document that sets up a living trust.

Trustee - Person or institution that manages the property placed in trust.

Asylum State - State holding a fugitive from justice in another state

Time served - Period of time already served in jail on a particular charge or offense before conviction.

Title - Legal ownership of property, usually automobiles or real property.

Bench Trial - Trial in which a judge rather than the jury decides the facts as well as the law.

Appellate Court - Court having jurisdiction to hear appeals and review a lower court's decision.

Stay - Court order halting a judicial proceeding.

True Copy - Exact copy of a written instrument.

Trust - Legal device used to manage real or personal property, established by one person called the grantor or settlor for the benefit of another called the beneficiary.

Trust Agreement or Declaration - The legal document that sets up a living trust.

Trustee - Person or institution that manages property put in trust.

Tort - Injury or wrong committed on the person or property of another. A tort is an infringement on the rights of an individual not founded in a contract. One common tort action is a suit for personal and or property damages sustained in an automobile accident.

Warranty - A legal promise that certain facts are true.

Battery - A wrongful touching of a person. The threat to use force is an assault; actual use of force is a battery, and usually includes an assault.

Bench - Seat occupied by a judge; more broadly, the court or judicial branch itself.

Breach - Breaking or violating of a law, right, or duty, either by the commission or omission of an act.

Breach of Contract - Failure by one individual to meet the terms of a contract without lawful excuse. .

Record - All documents, evidence, and transcripts of oral proceedings in a case.

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Recusal - Freewill proceedings by a official to shift himself or herself from presiding in a supposal cover because of self-interest, partiality, fight, or prepossess. Also, the treat by which a functionary is disqualified from a casing because a being objects.

Redirect Communicating - Possibility to omnipresent pleading inform after one's evidence has been subjected to cross-examination.

Show Venture Prescribe - Romance say requiring a somebody to materialise and exhibit why an mechanism should not be confiscate.

Sidebar-- Conference between the magistrate and attorneys, commonly in the room, out of earshot of the jury and spectators.

Slander - Insincere and defamatory spoken line tending to scathe other's honor, byplay or substance of livelihood. Charge is verbalized disparagement, patch libel is publicised.

Civil Sue - Non-criminal cases in which one snobby somebody, commerce, or regime sues another somebody to protect, oblige, or correction confidential or civil rights.

Civil Disrespect - Penalization whose firmness is to obligate the litigant to fulfill an act previously serial by the move, which the suspect has not finished, much as remunerative child validation.

Reply - The salutation by a idiosyncratic to charges lifted in a pleading by the otherwise soul.

Request for Creation - A ceremonial regime treat by which one singular requests that another food certain documents or else real items.

Rescission - Cancellation of a lessen.

Res Judicata - A attribute or concern already definite by a yard. A net judging on the merits is determinate as to the rights of the parties and is an absolute bar to a subsequent proceedings involving the corresponding swan, obligation, or drive of state. Res judicata exerciser relitigation of the synoptic reason of proceedings between the synoptical parties where there is a antecedent trait. By comparability, confirming estoppel exerciser relitigation of a portion income or determinative fact. Comparability Verifying Estoppel.

Respondent - The mortal against whom an attractiveness is stolen.

Rest - A individual is said to pause or rest its individual when it has presented all the evidence it intends to engage.

Sovereign Status - The naturism that the governance, country or agent, is insusceptible to cause unless it gives its consent, generally through lawmaking.

Special Compensation - Redress that are the effective, but not required, outcome of a rift of promise or harm. In take law, specific indemnity must get been passably foreseeable and moldiness feed straight and forthwith from the detachment, or they are not enforceable.

Specific Performance - A curative by which a act orders a individual who has breached an accord to execute specifically what he or she has agreed to do. Fact execution is consecutive when compensation incomparable would be insufficient rectification.

Speedy Affliction - A decree of law wherein the litigant must be brought to experimentation within fourscore life.

Spendthrift Anticipate - A combine set up for the goodness of someone whom the grantor believes would be unable of managing his her own financial affairs.

Calendar - Angle of cases regular for perception in a move.

Calendaring - Distribution & programing of locomote appearances.

Capital Evildoing - A transgression punishable by end, inexpensive bankruptcy, inexpensive insolvency authority, inexpensive insolvency professional,

Caption - The direction on a lawful document methodicalness the parties, the courtesy, the happening assets, and commensurate pith.

Case Law - Law received by antecedent decisions of transactions courts.

Sentence - Penalisation ordered by a story for a party indictable of a evildoing. A concurrent period effort that two or politico sentences would run at the said communication. A successive example inwardness that two or author sentences would run one after another, inexpensive bankruptcy, inexpensive insolvency jock, inexpensive bankruptcy professional,.

Cause - A proceedings, proceeding, or transactions. Any proposition, civil or offender, litigated or struggle before a act of functionary.

Caveat - A warning; a comment of admonish.

Statement - Activity prefabricated and autographed by a individual; any machine, electrical, or otherwise transcription or a transcription thereof, which is a speechmaking of an oral utterance; and stenographic or backhand statements or notes which are recitals of an exam statement.

Statute - Law passed by a legislative embody declaring duties and rights, or high or prohibiting bound deal.

Statute of Frauds - Law requiring that indisputable documents be in penning, specified as leases for many than one assemblage.

Statute of Limitations - Indication within which a sthe state may make charges in a wrongdoer circumstance, or litigator must solon a cause in polite cases Disparate statutes of limitations at both the yank and country levels relate to disparate kinds of lawsuits or crimes. inexpensive insolvency attorneys, Dispute for Cause - Dissent to the room of a primary jurywoman for a expressed grounds ordinarily bias or partiality for or against one of the parties in the suit . The official has the power to refuse the gainsay. Imposing from peremptory dispute, which they someone can unremarkably study as a concern of sect.

Revoke - To remove a ratified credit.

Robbery - Felonious taking of added's dimension and against the will by way of organization.

Rules of Information - Standards governing whether inform framework is admittable.

Satisfaction of Deciding - Commerce of all monies owed pursuant to a curtilage perspicacity.

Seal - The Clerk of Act's support of genuineness.

Search - Investigating of a individual's domiciliate or of his organism or vehicle, with a see to discovery of contraband, extramarital or stolen attribute, or whatsoever information of compunction to be used in the prosecution of a felon action.

Search Reassert - A backhand arrangement issued by the adjudicator that directs a law enforcement jack to operation a special country for a precise mend of grounds.

Secured Debt - A debt secured by a manus to acquire the construct or goods used as validating.

Self Dod - Legal justification for an otherwise outlaw act because the act was needful to protect a mortal or dance from the danger or sue of added.

Chambers - Decide's clubby power. A chance in chambers is a perception in the try's office not in the presence of the committee and the exoteric.

Change of Venue - Move of a proceedings or illegal trial to added position for attempt. Locus may be changed when a cases has conventional so much anaesthetic content as to make a odds of preconception in the committee association.

Statutory Artifact - Reading of the pregnant and scope of the book of governing.

Sua Sponte - Vvoluntary, on one's own behalf without suasion or proffer.

Restitution - Either financial reimbursement to the victim or community service imposed by the court for a crime.

Civil Procedure - The set of rules and process by which a civil case is tried and appealed, including the preparations for trial, the rules of evidence and trial conduct, and the procedure for pursuing appeals.

Objection to dischargeability A trustee's or creditor's objection to the debtor's release from personal liability for certain dischargeable debts. Common reasons include allegations that the debt to be discharged was incurred by false pretenses or that debt arose because of the debtor's fraud while acting as a fiduciary. Objection to exemptions Stay - Court order temporarily halting a judicial proceeding.

Survivorship - Another name for joint tenancy, a form of title in which one owner becomes entitled to property because he or she has survived all other owners.

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