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HELP WITH-Credit Cards-Foreclosure-Taxes-Student Loans Low Fees - Payment Plans - Evening & Weekend Appointments Free Telephone Consultation 410-484-4900 24/7 Excellance In Legal Service - Serving The Entire State Of Maryland nn We have earned the trust of thousands of satisfied clients and have gained experience gained in thousands of successful Bankruptcy cases since 1973. We will properly prepare all required documents for you, promptly file them with the court, appear in court with you at your hearing and keep you fully informed throughout your case. You can use the Law Firm that has helped thousands of Maryland consumers since 1973. There is no substitute for trust and experience.
" Your representation was outstanding in recovering thousands of dollars I paid out in a debt consolidation scam, properly representing me in a bankruptcy and getting all my debts eliminated at a low fee and less than one half of what I paid to them. What was most important to me was your integrity and clear answers to my questions." ~~D.G. I was very impressed with your dedication to my case, answering all of my questions throughout the case, obtaining my discharge without delay and getting back the money taken in the wage attachment. If anyone needs to file bankruptcy you are the lawyer they need to call. ~~K.B. " Thanks for taking over my chapter 13 case which enabled me to save my house. " ~~ W.S. " I was suprised to learn how the debt settlment company I saw on television took advantage of me. Thank you for getting my money back from them, properly filing my bankruptcy and saving my house. I recommend your services. " ~~H.M. " Many thanks for a job well done in getting my tax debts and other claims eliminated and being available to answer all of my questions throughout my case." ~~B.W. " I appreciate your meeting with me on the weekends so I did not have to lose time from work."~~N.T. " Thanks for your straight forward answers, working with me with a payment plan and saving my house."~~D.J.
Representing Debtors To Totally Eliminate Debts, Or To Reorganize Debts In Order To Protect Property And To Obtain A Fresh Financial Start Prompt, experienced and effective representation for all financial issues including, foreclosure, repossession, wage attachments, student loans, federal and state tax matters. In addition to bankruptcy, we provide effective representation for tax problems with the IRS, tax audits, tax liens, tax wage attachments, IRS offers in compromise, IRS installment plan arrangements, and IRS audits. Our debt relief agency will fully prepare all bankruptcy documents, both before and after your case is filed, go to court with you, and defend you against contested matters from the trustee, your creditors and their attorneys. We work with you with a workable payment plan and a low fee we invite you to compare. Call, you will see for yourself. Each case is different and presents different opportunities and challenges.
****If you have been a victim of a "credit counseling program", "debt management program" or home "rescue scam", we can help to get your money back, damages or both. We have recovered thousands of dollars for payments made to programs that have misrepresented their status and their ability to provide an effective solution. If you are in a debt "credit counseling" or "debt management program", you may wish to determine:
1. Exactly what portion your payments is being applied to principal. ****If you are behind in mortgage payments and your mortgage has been accelerated it is possible you can make payments and the mortgage company may not have any obligation to reinstate your mortgage, or return your late payments. ****As any decision can be made within hours, or at the most, a few days. If you are hearing terms such as "mitigation department", "reinstatement department", "loss mitigation", you should be suspicious. ****Each day you that you are in default, and each day your case is delayed, will generate additional fees and expenses which benefit the mortgage company that you will have to pay which will make it more difficult to attempt to save your home. Depending upon your facts, we know exactly what to do to force a prompt decision and to determine your very best option to prevent the sale of your home. ****Many people are lead to file Chapter 13 but are not properly informed of the many fees and costs that are imposed during the course of the plan which causes some people to be in a far worse position after filing than prior to the time the case was filed. If you are in, or have been in a Chapter 13, that resulted in failure, we have effective options for you. f you have any questions you can call Jack I. Hyatt 410-484-4900.
"There is No Substitute For Experience."
JACK I. HYATT If a creditor determines that an objection with respect to discharge of its debt is warranted, the creditor will file an Objection to Discharge of its particular debt. This filing begins what is known as an adversarial proceeding in the bankruptcy court. An adversarial proceeding is simply a law suit within the bankruptcy, seeking to declare a particular debt as non-dischargeable. The debtor responds to the complaint, evidence is gathered and supplied to both sides, and a hearing is held in front of the bankruptcy judge who decides the case. Typically, neither the bankruptcy trustee nor the U.S. Trustee are involved in the adversarial proceeding. If you have any questions you can call Jack I. Hyatt 410-484-4900. A creditor may object to the discharge of its debt in a number of different situations. An unsecured creditor may object using Section 523(a)(2) of the Bankruptcy Code, which contains several different types of non-dischargeable debt. The debt under that section may not be dischargeable because it is: (1) $500 owing to a single creditor for the purchase of “luxury” goods within 90 days prior to filing of the bankruptcy; (2) $750 owing to a single creditor for a cash advance (i.e. balance transfers are cash advances) obtained within 70 days prior to filing of the bankruptcy; or (3) for money obtained under false pretenses, false representation, or actual fraud. There are also additional reasons to declare a debt non-dischargeable. With respect to situations (1) and (2), the applicable rules are known as as the per-se rules. That means that the creditor need not prove debtor’s intent (i.e. fraud), and needs to show only that the transactions meet the criteria stated. Situation (3) means that the debtor made the charges/cash advances knowing that he/she was going to file bankruptcy, or made the charges/cash advances while insolvent and/or could not have had a reasonable expectation to pay back the debt, or made false representations in obtaining credit resulting in the debt he/she is trying to discharge at this time. If the creditor is successful in having a debt declared non-dischargeable, the debtor will owe that debt until it is paid, with all accumulating interest, and the debtor can never discharge that debt. If you have any questions you can call Jack I. Hyatt 410-484-4900.
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