Silver Spring Bankruptcy & Debt Lawyer, Maryland

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Theo I. Ogune Lawyer

Theo I. Ogune

VERIFIED
Immigration, Business, Divorce & Family Law, Accident & Injury, Bankruptcy & Debt

Mr. Ogune has over twenty years of legal experience, gained at the highest levels of legal practice. He began as the only lawyer in his graduating cla... (more)

Clifford A Wilpon Lawyer

Clifford A Wilpon

VERIFIED
Accident & Injury, Collection, Wills & Probate, Real Estate

Welcome to our law firm website. Ferguson & Wilpon was founded in 2001. We are a general practice law firm in Olney, Maryland, a suburb of Washington,... (more)

Keith R. Havens Lawyer

Keith R. Havens

VERIFIED
Divorce & Family Law, Bankruptcy & Debt, Business, Litigation
Handling Legal Matters Throughout MD & DC

Keith graduated from SUNY Binghamton in 1989 with a B.A. in Political Science. Keith obtained his J.D. from American University, The Washington Colle... (more)

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800-901-8760

Joy P. Robinson Lawyer

Joy P. Robinson

VERIFIED
Bankruptcy, Foreclosure

The Law Firm of Joy P. Robinson, P.C. specializes in protecting the real and personal property of persons facing financial difficulties and/or bankrup... (more)

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800-725-0461

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David B. Mintz Lawyer

David B. Mintz

VERIFIED
Bankruptcy & Debt, Consumer Bankruptcy, Bankruptcy, Credit & Debt

David B. Mintz began his bankruptcy experience in 1999 representing debtors. After turning to the dark side and representing creditors, he started his... (more)

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800-964-4950

Leta Ann Wolfe Lawyer

Leta Ann Wolfe

VERIFIED
Estate, Divorce & Family Law, Accident & Injury, Bankruptcy & Debt, Tax
Received JD cum laude in May 2003

Leta Wolfe is a practicing lawyer in the states of Maryland, California, and Florida. Attorney Wolfe received her J.D. from Florida State University C... (more)

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301-741-4522

Suren G Adams Lawyer

Suren G Adams

VERIFIED
Bankruptcy & Debt, Estate, Wills & Probate, Business, Business Organization
Wills, Trust & Probate, Chapter 7 and 13, and Business Organization

Adams Law Office, LLC is a suburban Maryland and Washington, DC metropolitan law firm assisting clients with estate planning, bankruptcy, business for... (more)

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800-978-6880

William Ray Ford Lawyer

William Ray Ford

VERIFIED
Business, Credit & Debt, Consumer Protection, Criminal, Litigation

William Ray Ford is a May 1981 graduate of the Catholic University of America School of Law. He was admitted to the practice of law in Maryland in 19... (more)

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301-856-5529

Leta Ann Wolfe Lawyer

Leta Ann Wolfe

VERIFIED
Estate, Divorce & Family Law, Accident & Injury, Bankruptcy & Debt, Tax
Received JD cum laude in May 2003

Leta Wolfe is a practicing lawyer in the states of Maryland, California, and Florida. Attorney Wolfe received her J.D. from Florida State University C... (more)

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CONTACT

301-741-4522

Michael S. Fried

Business Organization, Banking & Finance, Contract, Bankruptcy
Status:  Deceased           

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LEGAL TERMS

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

DOING BUSINESS AS (DBA)

A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or ... (more...)
A situation in which a business owner operates a company under a name different from his or her real name. The owner must file a 'fictitious name statement' or similar document with the appropriate agency -- for example, the county clerk. This enables consumers to discover the names of the business owners, which is important if a consumer needs to sue the business.

BANKRUPTCY

A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are ... (more...)
A legal proceeding that relieves you of the responsibility of paying your debts or provides you with protection while attempting to repay your debts. There are two types of bankruptcies -- liquidation, in which your debts are wiped out (discharged) and reorganization, in which you provide the court with a plan for how you intend to repay your debts. For both consumers and business, liquidation bankruptcy is called Chapter 7. For consumers, reorganization bankruptcy is called Chapter 13. Reorganization bankruptcy for consumers with an extraordinary amount of debt and for businesses is called Chapter 11. Reorganization bankruptcy for family farmers is called Chapter 12.

NONEXEMPT PROPERTY

The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typicall... (more...)
The property you risk losing to your creditors when you file a Chapter 7 bankruptcy or when a creditor sues you and wins a judgment. Nonexempt property typically includes valuable clothing (furs) and electronic equipment, an expensive car that's been paid off and most of the equity in your house. Compare exempt property.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)
A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)
A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

CHAPTER 7 BANKRUPTCY

The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 b... (more...)
The most familiar type of bankruptcy, in which many or all of your debts are wiped out completely in exchange for giving up your nonexempt property. Chapter 7 bankruptcy takes from three to six months, costs about $200, and commonly requires only one trip to the courthouse.

GARNISHMENT

A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if ... (more...)
A court-ordered process that takes property from a person to satisfy a debt. For example, a person who owes money to a creditor may have her wages garnished if she loses a lawsuit filed by the creditor. Up to 25% of a person's wages can be deducted.

CCCS

See Consumer Credit Counseling Service.