LAW OFFICE

OF

DAVID W. COHEN

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

IMPORTANT DISCLAIMER


FEDERAL LAW REQUIRES THE FOLLOWING DISCLOSURE
"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 .

What Is Life Like After Bankruptcy?

One of the major concerns my clients have is that they will not be able to establish good credit or make any major purchases after filing for bankruptcy. There are adjustments to make after filing for bankruptcy, but fears about having credit that is "permanently" ruined are unfounded.
At the Law Office of David W. Cohen, I help individuals in and around Baltimore, Maryland, anticipate and prepare for the realities of life after bankruptcy. With 25 years of experience as a bankruptcy attorney, I have helped thousands of individuals get a fresh start and begin the process of restoring their lives and their credit.

First, The Good News

It is easy to get caught up in worry and fears about life after bankruptcy. You have probably been in a state of anxiety about your financial matters for some time, and it can be hard to shift your thinking. What you might not be anticipating is how relieved, calm and in control you will feel after a bankruptcy. You will come out of this in a much better position to meet your ongoing expenses, and your energy will be freed up to invest in the people and events that are important to you.

Second, Some Pretty Good News

Your credit will not be flawless after a bankruptcy, but it is not as bad as you might think. Under the Fair Credit Reporting Act, bankruptcy information can show up on your credit report for 10 years from the day you file, but that alone will not make you ineligible to get future credit.
Interest rates might be higher and credit limits might be lower, but the credit will generally be available if needed. Some creditors might even seek you out. Knowing that you cannot file for bankruptcy again for eight years, they are likely to view you as a better credit risk after your bankruptcy than you were before. You can acquire property after your bankruptcy; anything you purchase is yours to keep. You will even find that, after a period of a year or two, you will likely be able to qualify for a home loan on reasonable terms.

Take Back Control

Do not rule out bankruptcy as an option because you think it will blemish your future credit. Filing for bankruptcy can be a responsible way to take back control of your future and your finances. Contact an experienced bankruptcy lawyer to get the facts about credit repair and life after bankruptcy. I am happy to offer a free initial consultation.


My Practice Areas


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

Please think about

Alternatives to Filing Bankruptcy
Life After Bankruptcy
Choosing a Bankruptcy Lawyer

Learn More

MY BLOG

Useful  Links


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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