Bankruptcy

Bankruptcy is the most powerful weapon for the American consumer in financial trouble. Filing bankruptcy can keep a family in their home, stop creditor harassment and allow anyone to get back on track and get a fresh start. We invite you to learn more about bankruptcy and to make an appointment for a free consultation.

The American consumer has a constitutional right to file bankruptcy and enjoy the protection of the automatic stay and ultimately, the comfort of a discharge of most, if not all, of their debt.

In a bankruptcy petition filed under Chapter 7, a consumer seeks a discharge of outstanding debt. The discharge is a court order which absolves the debtor from having to pay debt classified by the bankruptcy law as "dischargeable." The discharge serves as a permanent injunction against otherwise potential collection action for debt incurred prior to the bankruptcy. A Chapter 7 bankruptcy discharge allows a debtor to proceed forward without financial turmoil, thereby providing the debtor with an opportunity for a new beginning.

Chapter 13 of the U.S. Bankruptcy Code is often compared to a consolidation loan under which you make payments to a trustee who then distributes payments to creditors. A Chapter 13 bankruptcy allows you to keep your home even if you have considerable equity in it. A Chapter 13 bankruptcy also provides a way for you to pay back your creditors, in whole or in part, in a certain amount of time — usually over five years.

Bankruptcy Litigation

Lawrence & Fisher, PLLC actively enforces consumer rights in Bankruptcy court. There are numerous federal and state laws in Maryland and Washington D.C. that protect individuals against predatory lenders, collection agents and debt dealers. As a client of the firm, we will examine your rights under all of them.

We litigate unfair collection practices, violations of the automatic stay, privacy law violations, mortgage fraud and discharge violations in State and Federal Court on behalf of our clients. We take the approach at our firm that the best defense is a good offense and we will protect your rights from the moment you step into our office.

Max Gardner Training

Morgan Fisher spent five days training for bankruptcy litigation under the direction of famed bankruptcy attorney, Max Gardner. At Mr. Gardner's boot camp, Mr. Fisher learned the ins and outs of creditor abuse and now has access to unparalleled resources dedicated to stopping creditor abuse. Mr. Fisher is the only lawyer with an office in Washington, D.C. to have trained under Max Gardner.

Learn more about Max Gardner Training.