Everything You Need to Know About

Filing Chapter 7 Bankruptcy

We Will Do It Together

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.

Free Consultation

Adam M. Freiman, Esq.
Specializing in Bankruptcy
Call Me: (410) 486-3500

Adam Freiman, Attorney

Over one billion dollars of debt erased on behalf of our clients.

10,000 successful cases discharged

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.

Joanne MillarJoanne Millar
21:02 20 Nov 23
If you are looking for a crackerjack Bankruptcy attorney, look no further!! Mr. Freiman is your guy!! He is precise, dedicated, knowledgeable, compassionate, works very hard for his clients, and is the “BEST” in the business, make no mistake! I cannot say enough about Mr. Freiman, he is AWESOME!!!Joanne M.
Kostiantyn ShevchenkoKostiantyn Shevchenko
12:51 07 Nov 23
Great service.
Jacquetta SpellerJacquetta Speller
13:57 25 Oct 23
Mr Freiman was amazing with helping with my case. He was clear and concise, explained all the information necessary and was so kind and understanding during the whole process. He is very knowledgeable about the process as well.
Chris HicksChris Hicks
14:26 09 Oct 23
My lawyer Mr Freiman is an good guy he provided the help I needed if anyone need help please good to Adam M Freiman
22:47 27 Sep 23
I've had the best experience with Mr.Freiman. He was always available to answer my questions, no matter the time I reached out. I love the fact, that I never had to leave the comfort of my home. Mr. Freiman is an awesome Attorney! I would definitely hire him again, if needed.
Korrina TaitanoKorrina Taitano
18:56 26 Sep 23
Superior customer service and professionalism. If I could give 10 stars I would. Thank you so much!
Felichia ColeFelichia Cole
06:20 07 Sep 23
If you are looking for a lawyer there’s no need to look elsewhere. Mr Freiman is an awesome lawyer and individual. I chose Mr Freiman based on his reviews and I have no regrets. He is very reliable, detailed and organized. He will be there with you every step of the way, and he responds very promptly to your questions and concerns. Once you do your part he will get the job done in a timely and efficient manner. I have no regrets using Mr Freiman and I would definitely NOT HESITATE in recommending him to anyone. Job well done, Thank you.
Johnathan InmanJohnathan Inman
20:39 02 Sep 23
Mr. Adam Freiman is one of the best in the business, very professional and knowledgeable about all aspects of his business.
Leah SolomonLeah Solomon
18:08 20 Aug 23
From my consultation to my discharge Mr. Friedman has been nothing shy of amazing. He was very patient in explaining things, his communication was above and beyond. If you are considering, or on the fence about filing, I highly recommend him!!
Stephanie BolyardStephanie Bolyard
18:20 11 Aug 23
Awesome experience. Very easy process and reasonable pricing. Mr. Freiman has answer all my questions and then some. Would highly recommend.
juan garciajuan garcia
20:26 07 Aug 23
Very professional, and helpful. All my questions were answered and he made the process very smooth.
Danez JonesDanez Jones
13:54 01 Aug 23
Mr. Freiman did exactly what he told me he would do, an amazing job. I reached out to multiple lawyers to handle my case but, when I had a talk with Mr. Freiman he had a great deal of confidence. Which is a big deal, id rather hear yes and I will vs maybe and if's. A lot of other lawyers want you to meet with them numerous times and just a lot of extra things that he didn't require. Minimal interaction outstanding results. My type of service.Thanks againPost 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. HahaConclusion- 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.
Shannon BowellShannon Bowell
21:17 18 Jul 23
Mr. Freiman provided excellent service for my case. He was available to answer any questions, he explained everything in detail and was very responsive to my phone calls and emails. I was referred to Mr. Freiman and were given high reviews of his services and have referred him to my family and friends. The process did not take long and was a very easy process. I was not stressed out and worried. Mr. Freiman knows his stuff and I am so glad that I went with him to assist with my bankruptcy. I feel like a weight has been lifted off of me. I truly feel debt-free now. Again, thank you soooo much Mr. Freiman.
felicia farmerfelicia farmer
16:39 12 Jul 23
Mr. Freiman was awesome I never had to leave my home when I call and or texted him I got a reply immediately right back. Mr. Freiman knows what he’s talking about and my process was flawless. I’ve been telling anybody that will listen how good he is definitely. 1000/10000 I wish I could give more than 5 stars.
Chris PaylorChris Paylor
15:18 12 May 23
If you are in need of a great Bankruptcy Attorney, Adam Frieman is your guy! He's efficient, thorough, and fees are reasonable, easy to contact, always respond in a timely manner, and most of all, a great person to work with! He made my process very smooth. You won't be disappointed!
Jessica AlfordJessica Alford
12:56 27 Mar 23
This Law office is truly like none other. I filed bankruptcy back in 2019 and Adam was with me every step of the way. He made sure that everything was taken care of. When I had questions no matter day or night weekend week day Adam is always going to reply to you in a very timely and professional manner. He really knows his stuff and he truly makes you feel like he has your back and he’s in your corner. I am so glad that I found this law office I don’t think my outcome would have been as successful and transparent any where else.
Don ReadyDon Ready
16:45 28 Feb 23
Mr. Freiman did an excellent job on my case. He was always very clear on what I needed to do and guided me through the process. He was courteous, polite and very helpful.
Kimberly MeyersKimberly Meyers
14:57 10 Feb 23
Mr Freiman was extremely helpful and very easy going. He made what seemed to be a very difficult decision for myself so much easier than what I anticipated and the burden that I felt I was under. He helped put my mind at ease and now I finally feel like I can breathe again. Thank you so very much for your kindness. I appreciate everything you did to get me through this process.
Erie DErie D
15:17 13 Jan 23
Adam Freiman was a pleasure to work with. The process was seamless and he explained everything thoroughly. Communicated effectively throughout the entire proceeding. Will utilize his services again! Have referred others as well. Thanks Mr. Freiman.
Lindsey PerryLindsey Perry
18:36 10 Dec 22
This is a special thanks to Mr Freiman for helping me through this very difficult time, specifically, first time filing bankrupt. He was patient through all of my questions and concerns, extremely knowledgeable, and delivered EVERYTHING that he promised. I was a little skeptical in the beginning because his prices were a tab bit higher than others, but when taking care of business, you’d want the best! Worth EVERY penny!! Thanks again!
Liania DiggsLiania Diggs
22:42 16 Nov 22
The best bankruptcy lawyer, hands down! He responds to inquiries very fast (he also responds on weekends) and he’s great at explaining the entire process while encouraging you to reach out to him at any time should you have any questions or concerns. I didn’t have to leave my home during this process. I’m so happy I went through with this, I finally have my fresh start. Highly recommended!!!
Michelle JonesMichelle Jones
04:23 11 Nov 22
Mr Adam Freiman exceeded my expectation. I would highly recommend him. He was on point in every area of the process. I had no problems at all reaching him by phone, email or text. I never met Mr Freiman prior to him becoming my lawyer. After reading the reviews during my search, I decided to take a chance and it turned out that I was so happy and pleased that I did. Very professional!
Tieaira PaigeTieaira Paige
14:17 31 Oct 22
I’ve dealt with Mr. Freiman directly from beginning to end of my Chapter 7 filing. He’s always easy to contact, and quick to respond to my questions. His clear & concise communication made this a very smooth process for me. I could not have filed & completed bankruptcy without him. I would highly recommend his services, and use them again in the future if needed.

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