BANKRUPTCY  LAW IN BALTIMORE Experienced consumer bankruptcy lawyer in  Baltimore, Personal service, reasonable fees, free consultation.  Protect your consumer rights in foreclosure, collection

My Practice Areas

Chapter 7
Chapter 13
Stop Foreclosure
Creditor Harassment
Stop Garnishment and Repossession

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Alternatives to Filing Bankruptcy
Life After Bankruptcy
Choosing a Bankruptcy Lawyer

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Contact the Firm
Law Office of David W. Cohen
One North Charles Street, Suite 350
Baltimore, MD 21201
Phone: 410-837-6340                     
Fax: 410-347-7889

For Clients in Harford and Cecil County, I am available to meet you at 102 S Parke Street, Aberdeen, MD by appointment only.

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"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.   "
This in no way describes all the services which we can provide and does not limit those services.

The Law Office of David W. Cohen is a Bankruptcy Lawyer serving clients in Baltimore and the surrounding Maryland communities, including Ellicott City, Bel Air,  Columbia, Reisterstown,Owings Mills, Randallstown, Towson, Timonium, Elkridge, Essex, Dundalk, Glen Burnie, Annapolis, Odenton, Jessup, Anne Arundel County, Baltimore City, Baltimore County,  Carroll County, Cecil County,  Harford County and  Howard County .

‚ÄčChapter 7

Baltimore Bankruptcy Chapter 7 Lawyer

Some of the most common events that lead to debt problems are medical expenses, periods of unemployment and divorce. Those events are stressful enough, but when coupled with worries about how you will pay your bills, they can be overwhelming.
At the Law Office of David W. Cohen, in Baltimore, Maryland, I understand the stress and anxiety that financial pressures can bring. With over 25 years of experience as a personal bankruptcy lawyer, I have helped thousands of people take advantage of the federal bankruptcy laws to get a fresh start.

What Will Chapter 7 Bankruptcy Do for Me?

Chapter 7 bankruptcy is designed to provide relief from crushing debt by discharging it. This form of bankruptcy addresses debt that is not associated with property or an asset, making it a good alternative for individuals who have a lot of credit card debt, unpaid medical bills, utility bills and similar debt.
If you qualify and choose to file a Chapter 7 bankruptcy, you will experience immediate benefits: It will stop harassing phone calls from creditors, lawsuits, repossessions and garnishments. The court issues an automatic stay, which prohibits your creditors from contacting you or attempting to collect a debt. When you have successfully completed the Chapter 7 process, your applicable debts will be discharged and you will have a fresh start.

Will I Be Able to Keep My Car and Home?

In a Chapter 7 bankruptcy filing, you agree to identify all of your assets. This does not mean that most or all of your assets will be sold by the trustee appointed by the court to handle your case. In fact, most if not all of my clients have no assets that are actually sold. Certain items of personal property, including your home, your car and other items, may be exempt from liquidation under the Bankruptcy Code. When we work together on your Chapter 7 filing, I will identify up front the assets that you will be able to keep. If you have to give something up, we will work together to reach the best result for you.
A Chapter 7 filing is not appropriate or desirable for everyone. If you simply want to work out a payment plan with creditors without the harassing debt collection calls and letters, I can help you file for protection under Chapter 13 of the Bankruptcy Code. If you ultimately decide that you do not want to file for bankruptcy, I may be able to help you resolve your issues by pursuing an alternative to bankruptcy.

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Please remember that the information on a web site is not and cannot be legal advice. The purpose of my web site is to provide a basic understanding of bankruptcy concepts, which may or may not apply to your individual case. The best and only way to get advice from a lawyer is to sit down face-to-face and discuss your personal situation.  

If you have questions about filing a personal bankruptcy, speak directly with an experienced and well-respected attorney. Contact me to schedule a free initial consultation. Sunday appointments are available upon request. When we speak, I can tell what information and documents to bring.