Usually when you come for your first appointment, if you bring all of your documents with you we can complete all of the required filings before you leave our office. Your bankruptcy can be filed within 48 hours, almost immediately if necessary.

For an emergency filing, we can file just the Voluntary Petition, but we also need a list of all of your creditors, collection agencies, sheriffs, attorneys and others who are seeking to collect debts from you. If we do an emergency filing, the additional documents must be filed within a 15 day period or your bankruptcy will be dismissed.

Documents to bring: Last two years tax returns; pay stubs; mortgage, installment loan, and automobile payment books or stubs; utility, telephone, insurance, and other receipts; evidence of child support payments and alimony, and other documentation that will support your income and expenses. Also bring a list of all of your creditors, both secured and unsecured, and the amount owing to each.

For an emergency filing, we can file just the Voluntary Petition, but we also need a list of all of your creditors, collection agencies, sheriffs, attorneys and others who are seeking to collect debts from you. If we do an an emergency filing, the additional documents must be filed within a 15 day period or your bankruptcy will be dismissed.

For a Chapter 13 Bankruptcy our basic retainer fee to file the bankruptcy petition with the court, which will stop the foreclosure and the sale of your house, is a retainer of $1,000.00 plus, court cost of $310.00, $36.00 - $60.00 for credit counseling/education and $33.00 for individual credit report. For a Chapter 7 Bankruptcy our rates are very competitive. Call for a quote.

The first meeting with the Trustee takes place six weeks after your documents are filed. Chapter 13 plans are usually confirmed within 90 days of filing, depending on the court's backlog.

The minimum time period for a pay plan is 36 months but most of our clients prefer a 60 month pay plan.

If you live in Allegany, Calvert, Charles, Frederick, Garrett, Montgomery, Prince George's, St. Mary's, or Washington Counties you file your petition with:

United States Bankruptcy Court
U.S. Courthouse
6500 Cherrywood Lane
Greenbelt, MD 20770
301-344-8018

If you live anywhere else in Maryland (e.g., Baltimore City, Baltimore County, Carroll County, etc.) you file your petition with:

United States Bankruptcy Court
U.S. Courthouse
101 W. Lombard Street
8th Floor
Baltimore, MD 21201
410-962-2688