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

If interest on your debts is preventing you from realisitically paying down your debts bannkruptcy may be the only realistic option.   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 - Charged, claimed, stated; or asserted.

Allegation - Statement of a claim in a written document.

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

Amend - Change, improve, or correct a complaint or other pleading.

Unlawful Search - Examination or Inspection of premises or persons in violation of Constitutional 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 claim or debt is unsecured if the value of collateral is less than the amount of the debt or if there is no collateral.

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

Amicus Curiae - 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. Friend of the court.

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

Appeal - Application to a higher court for review of a civil judgment or an order of conviction against an 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 - The UCC governs sales of goods to or by a merchant. Uniform Commercial Code.

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

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

Unlawful Detainer - Unjustifiable occupation 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 to hear appeals and to review a trial court's decisions.

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 document.

Attorney at Law - A licensed advocate or 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.

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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 necessarily legal business.

Attorney-of Record - The attorney assigned or retained 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.

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How much does a bankruptcy lawyer cost? Each case is different, and the cost depends on such factors as the difficulty of the case and the number of creditors involved.

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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. Free bankruptcy lawyers may be available to indigent clients.

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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.

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,

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.

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 personal or real 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 - Institution or person that manages property put in trust.

Tort - Wrong or injury 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 guarantee 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 evidence, documents, and transcripts of oral proceedings in a case.

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Recusal - Voluntary proceedings by an official to shift himself or herself from presiding over a trial because of self-interest or partiality.

Redirect examination - questioning of one's own witness afteer he or she has been subjected to cross-examination.

Show Cause - Demand that a witness appear before a judge to show why he or she should not be held in contempt of court.

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

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Civil Suit - Non-criminal case in which one person sues another.

Civil Contempt - Judicial penalty whose goal is to obligate the litigant to fulfill an act, such as the payment of a bill.

Reply - The response to charges filed in a pleading.

Request for Production - A formal request that another provide certain documents.

Rescission - Cancellation of a debt.

Res Judicata - A question already settled by a court.

Respondent - The person against whom a complaint is made.

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

Sovereign State - A country or state that is immune from process unless it gives its consent.

Special Compensation - Redress that is the effective, but not required, outcome of a broken of promise or harm.

Specific Performance - A curative act by which a court orders an individual who has breached an accord to execute specifically what he or she has agreed to do.

Speedy Trial Affliction - A provision of law wherein the litigant must be brought to trial within a specified period.

Spendthrift Trust - A fund set up for the benefit of someone whom the grantor believes would be unable of managing his her own financial affairs.

Calendar - Schedule of cases for trial.

Calendaring - Scheduling of cases.

Capital Crime - A crime punishable by death, inexpensive bankruptcy, inexpensive insolvency authority, inexpensive insolvency professional,

Caption - The heading on a legal document listing the parties, the court, the nature of the proceeding, and the case number.

Case Law - Law consisting of prior court decisions.

Sentence - Penalty ordered by a judge for a crime. inexpensive bankruptcy, inexpensive insolvency jock, inexpensive bankruptcy professional,.

Cause - A proceedings, proceeding, or transactions. Any proposition, civil or criminal, litigated or argued before a court.

Caveat - A warning; a comment or admonition.

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Hhow much does a bankruptcy lawyer cost? Each case is different; however, bankruptcy is frequently advantageous.

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what is the cheapest way to file bankruptcy? Usually, the cheapest way to file bankruptcy is by engaging the services of an inexpensive bankruptcy lawyer.

How to choose a bankruptcy lawyer? This choice should be made on the basis of the experience and track record of the particular lawyer.

Choosing a bankruptcy attorney: you should choose a bankruptcy attorney by reviewing his or her credentials and references.

what do i need to file for bankruptcy? If you find that your bills consistently exceed your income, you may consider bankruptcy.

Questions to ask your bankruptcy lawyer: you will want to ask your attorney questions about his or her experience.

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Does legal aid help with bankruptcy? Legal Aid will probably not assist in a bankruptcy, but other organizations will.

Statement - Document signed by a individual; any mechanical, electrical, or other transcription or stenographic or shorthand statements or notes which are recitals of an utterance.

Statute - Law passed by a legislative embody declaring duties and rights.

Statute of Frauds - Law requiring that documents be in writing.

Statute of Limitations - Time period within which a state may bring crimiinal charges, or within which a party must state a cause of action. inexpensive insolvency attorneys,

Dispute for Cause - Dissent for expressed grounds ordinarily bias or partiality for or against one of the parties in the suit.

Revoke - To remove, as a license or permit.

Robbery - Felonious taking of property by force and against the will of the owner.

Rules of Evidence - Standards governing whether evidence is admissible in court.

Satisfaction of Judgment - payment of any sum ordered by the court.

Seal - The Clerk of the Court's guarantee of authenticity.

Search - Investigation of an individual's dwelling, person, or vehicle, with a view to discovery of contraband.

Search Warrant - A document signed by a judge that directs a law enforcement to investigate specified premises for a particular object.

Secured Debt - A debt secured by an interest in property .

Self Defense - Legal justification for an otherwise unlawful act because the act was needful to protect a person or property.

Chambers - A judge's private office. A hearing in chambers is a meeting in the judge's office out of the hearing of the jury and the public.

Change of Venue - Move of proceedings or trial to a different location for trial. Venue may be changed when a case has attracted so much publicity as to prejudice the jury pool.

Sua Sponte - Voluntary, on one's own behalf without suasion.

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

Civil Procedure - The set of rules and processes 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.

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. To view in Spanish click on link: Spanish

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