Maryland Bankruptcy Lawyer
Excessive financial debt can make you feel overwhelmed and alone, but you do not have to live with harassing phone calls and letters from creditors. You are not alone — the current economic times are tough and people from all walks of life are struggling financially. With the assistance of an experienced bankruptcy lawyer you can take control of your finances and take the first steps towards a secure financial future. Bankruptcy can give you a fresh financial start, stop foreclosures, prevent wage garnishment, prevent repossessions and stop the harassing debt collector phone calls.
Located in Severna Park, Maryland, The Law Office of Kevin R. Hayes, LLC assists families and individuals who are struggling with unmanageable debts. I have been practicing law for more than 25 years, and have the experience and knowledge necessary to ensure that your bankruptcy process goes as smoothly as possible, from the initial filing through the ultimate discharge of your debts. In a casual and accepting environment, I will explore your financial situation without judgment, and will be there to answer questions and provide guidance throughout the entirety of your bankruptcy case. All of my clients are treated with compassion and respect during this very difficult time in their lives.
Filing for bankruptcy
There is a lot of misinformation out there about the changes made to the bankruptcy laws in 2005. The truth is that most people with serious financial debt problems can still file for bankruptcy under Chapter 7 or Chapter 13 of the Bankruptcy Code.
- Chapter 7 bankruptcy is the most common and preferred type of consumer bankruptcy for those that qualify because it usually offers complete debt relief and allows you to keep most, if not all, of your assets.
- Chapter 13 bankruptcy, also known as "wage earner" bankruptcy, is a viable option for those people who are gainfully employed but have significant lapses on payments to creditors. A Chapter 13 bankruptcy may help stop harassing collection calls, wage garnishments and mortgage arrearages. For example, a Chapter 13 bankruptcy can be a means of stopping a home foreclosure by allowing you to pay the outstanding payments over three to five years.
While the decision to file bankruptcy should not be made without careful consideration, sometimes bankruptcy is the best way to make the fresh financial start you and your family deserve. During your free consultation, I will help you understand the truth about bankruptcy, explain your options in clear and understandable terms, and determine whether bankruptcy is right for you. I am committed to providing personal, one-on-one service to you.
Contact The Law Office of Kevin R. Hayes, LLC for a free initial consultation
The Law Office of Kevin R. Hayes, LLC offers free consultations during regular business hours and by appointment on evenings and weekends. Contact attorney Kevin Hayes' Severna Park office online or at (410) 544-0506.
Kevin Hayes serves clients in Severna Park, Annapolis, Baltimore, Glen Burnie, Crofton, Pasadena, Odenton, Arnold, the Eastern Shore and all the surrounding areas of Maryland.
The Law Office of Kevin R. Hayes, LLC is a debt relief agency. I help people file for bankruptcy relief under the U.S. Bankruptcy Code.