Bankruptcy Attorney in Frederick, Maryland

Lawyer Handling Bankruptcy in Frederick, Maryland

The country is facing tough economic times right now, and many good, hardworking people have lost their jobs, taken income reductions, or been confronted with some other major life altering events. As a result, debt can become overwhelming causing worry, anxiety and sleepless nights. If your debt has gotten to be more than you can handle or you are facing foreclosure, then it may be time to consider bankruptcy. You can stop the non-stop creditor calls, you can sleep at night again, and you can get the fresh start that bankruptcy was designed to provide. Call our office to get started today.

Although there are many myths and misconceptions about filing bankruptcy, the truth may surprise you. Many people believe that they will lose everything if they file bankruptcy (belongings, home, etc.), but most bankruptcy filers do not lose anything because of certain protections and exemptions that exist in the law. Another myth is that you can never get credit again. While bankruptcy certainly affects your credit rating, Clients are often amazed at how soon they can begin to rebuild their credit.

Additionally, people tend to hesitate to file bankruptcy because they fear that their friends or neighbors will find out and it will cause embarrassment. While bankruptcy filings are public record, access to those records are not widely or easily available. Typically, the only people who know you filed bankruptcy are your creditors, your attorney and whoever you decide to tell. In fact, you would probably be surprised at the number of people you know who have been through the bankruptcy process without your ever knowing.

Most individuals or couples will either file a Chapter 7 or Chapter 13 bankruptcy and the differences between the two are substantial. While other sites and attorneys attempt to explain the intricacies of the types of bankruptcies on one web page, we feel that any attempt to do so is a disservice to you, as it may lead you to make a decision based on incomplete or partial information. An assessment of your specific situation should always be performed by an experienced bankruptcy attorney. Since our initial consultation is free, and we are always available to answer questions via phone or email, let us provide an assessment of your individual situation and provide the advice that is right for you. We will take the time to fully understand your situation and explain your options. We are not here to judge you, but are here to help you through a difficult time in your life with understanding, compassion and sound legal advice.

Contact the Law Offices of Shipe & Bush for assistance with your bankruptcy.