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


My Practice Areas


Chapter 7
Chapter 13
Stop Foreclosure
Creditor Harassment
Stop Garnishment and Repossession
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Please think about

Alternatives to Filing Bankruptcy
Life After Bankruptcy
Choosing a Bankruptcy Lawyer

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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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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 .

Stop Garnishment & Repossession
 Baltimore Bankruptcy Lawyer to Stop Repossessions

If creditors are threatening to take your car, your home or your wages, I encourage you to take quick action to protect your assets and your money.
I am David W. Cohen, a bankruptcy attorney with 25 years of experience. I help clients in Baltimore, Maryland, and the surrounding communities put a stop to threats of wage garnishment, repossession, eviction and foreclosure. In some cases, I can even help individuals get back a car or money that has already been taken from them.
If you are in danger of losing property that is important to you because you are unable to make the payments, contact the Law Office of David W. Cohen to get the advice you need.

What Doesn't Work

When you are getting harassing phone calls or someone is threatening to take your car, you might get desperate to fend off aggressive creditors. Some clients believe that if they continue to make nominal payments on a debt, even if it is just five dollars a month, the creditor will leave them alone. Unfortunately, that is not true.
Other clients, who were desperate to pay their bills, have elected to borrow money from another source in order to make their payments. This can be a very dangerous and damaging choice. You should never take money out of your home or your retirement to pay a bill without first speaking to an experienced bankruptcy lawyer.

What Does Work

First, if creditors or collectors are threatening you or using abusive language to get you to send payments, you do not need to tolerate their behavior. I often counsel individuals to use firm language during calls with debt collectors. For example, you can use phrases such as:

"I'm thinking about filing for bankruptcy. Please give me time to speak with a lawyer and do not call me about this matter again."
"Your phone calls have a threatening tone. I am keeping a diary of the dates on which you called and the things you have said to me. If I find that they crossed over the line, I may take legal action against you."

Of course, these are only temporary measures. They will buy you enough time to contact me and to get a more solid plan of action in place to prevent wage garnishment or repossession.

Get the Advice You Need

I help clients make intelligent and informed choices about Chapter 7 bankruptcy, Chapter 13 bankruptcy and alternatives to bankruptcy. You do not need to live in fear of repossession, garnishment or other debt collection actions. Contact my office to find out what options are available to you.