Filing Chapter 7 Bankruptcy
Don't let the burden of debt control your life any longer.
Chapter 7 bankruptcy, often referred to as liquidation bankruptcy, provides a legal route for individuals struggling with debt to get a fresh financial start.
Given the complexity of bankruptcy law, hiring a bankruptcy lawyer is the smart choice to help you navigate the process and avoid the pitfalls that can potentially have severe financial consequences.
What are the benefits?
Most of your debts, including medical bills, credit card balances, and unsecured personal loans, can be wiped out.
Depending on the amount of equity you have in your home and the status of your mortgage payments, you may not be required to sell your home.
Once you file for Chapter 7, an automatic stay goes into effect, halting all collections activities, including wage garnishment and harassing phone calls or letters.
Adam M. Freiman, Esq.
Specializing in Bankruptcy
Call Me: (410) 486-3500

Over one billion dollars of debt erased on behalf of our clients.
Guaranteed results. Same day filings available – Free Consultation.
Who Can Qualify For A Chapter 7 Bankruptcy in Maryland?
Chapter 7 bankruptcy is designed for individuals who are unable to repay their debts. In Maryland, to qualify for Chapter 7, you must pass the “means test”. This test assesses your income and expenses to determine if you’re eligible. If your annual income is below the median income in Maryland, you’re likely to qualify. However, if your income exceeds the state’s median, you may need to explore other financial options. Our experienced bankruptcy lawyers can help you understand these options and determine the best course of action for your situation.
Frequently Asked Questions about Chapter 7
Our consultation is free, call or contact us to explore your options. In many cases, our clients can afford to pay based on not having to pay their creditor bills. Once you file, most debts are wiped out enabling you to start fresh.
The cost to file for Chapter 7 bankruptcy in Maryland includes a $338 filing fee, as of 2021. However, this does not include attorney fees, which can vary widely depending on the complexity of the case and the attorney’s experience. It’s also important to note that there may be additional costs for credit counseling and debtor education courses.
The success rate of Chapter 7 bankruptcy is generally high, with the majority of cases resulting in a discharge of debts. According to the U.S. Courts, over 95% of Chapter 7 bankruptcy cases filed result in a discharge of debts. However, the success rate can vary depending on the individual’s circumstances and the complexity of the case.
While Chapter 7 bankruptcy can provide relief from overwhelming debt, it also has significant downsides. It can severely impact your credit score and remain on your credit report for 10 years, which can make it more difficult to obtain credit, buy a home, or sometimes get a job. Additionally, you may have to surrender some of your property, and not all debts can be discharged in Chapter 7 bankruptcy. Certain debts, such as student loans, child support, and most tax debts, are typically not dischargeable.
If you’re considering filing for Chapter 7 bankruptcy in Maryland, it’s crucial to have a knowledgeable and experienced lawyer by your side. I’m ready to guide you through every step of the process, ensuring you understand your options and make the best decisions for your financial future.
Take the first step towards regaining your financial freedom. Contact me today for a free, no-obligation consultation. Let’s discuss your situation and explore how we can help you navigate the complexities of Chapter 7 bankruptcy.
-Thank you much
Ever Grateful,
Kerry
Definitely not a fake name. We couldn’t finish the case because of the lies that was told to me by you. Asking me for more money to convert to a chapter 7 when I asked you that from the beginning. I already gave you a large sum to begin. Not satisfied at all. The job wasn’t even completed to my satisfaction.
Mr Freiman may seem a bit straight to the point but his skill is undeniable. This is the bougie lawyer who will have your back. I took a big risk paying the Chapter 7 fees upfront before sending any documents but Mr Freiman got me discharged. When he says he has the most bankruptcy cases in MD discharged, the man isn't lying lol. We did the process all remotely. Make sure you sign up to PACER to check your case status. I've been discharged 62 days from 341 meeting and working on rebuilding my credit now!
I would recommend him
If you're looking a bankruptcy attorney who never stops working for you, Adam is your guy.
Mr. Adam, it was a great pleasure doing business with you Sir I highly appreciate you for everything you did.
Throughout the entire process, he was incredibly responsive and communicative. He patiently explained every step of the bankruptcy process, ensuring that I fully understood my options and felt empowered to make informed decisions. His clear communication and prompt responses alleviated much of the stress associated with bankruptcy proceedings.
Joanne M.
Thanks again
Post Filing- I will give three starts instead of the initial five stars that I gave. Adam comes of as a confident lawyer but is more like a car salesman. You know they tell you what you would like to hear and what will get you to choose their service but afterwards oh well your stuck.
I was told that my student loans would not show on my credit report but I would still owe them and initially for two months that's what I saw. Then the debts started appearing on the credit report again. Prior to using his service I told Adam I was concerned about debt to income which is probably why Adam told me the student loans wouldn't show. Today I called to inquire why they were showing and he doesn't remember any of our conversations. As well as saying to help possibly remove student loans it would be 20% of my student loan price. Haha
Conclusion- I would still possibly recommend because Adam did do most of what he said and what I mainly went to him for but there are tons of other people you could find on google. To a person you never met you are their reviews. A few months ago Adam was 1 of 2 five stars.