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Bankruptcy & Debt Relief Overview

Even in the best of times, managing debt can be a challenge. In today’s tough economic times, too many in our nation struggle with debt and live in fear of collectors with their harassing tactics, wage garnishments, repossessions and foreclosures. If this describes your situation, Meiselman, Salzer, Inman & Kaminow can advise you of your legal rights; provide you with practical solutions; and protect you from your creditors.

For years, we have advocated for clients on debt relief issues, and offered creative and effective solutions to problems that seem overwhelming. Through our work, we have helped people with loan modifications, debt negotiations and, when necessary, bankruptcies.

Effective negotiations of loan modifications, balance reductions or interest re-valuations are difficult and highly specialized fields. Despite what you may have heard, no one can force your creditors to accept a payment plan that is different from the original agreement. If this is the option you choose, we use multiple strategies and work with your creditors to resolve your debt issues with a minimum of expense and inconvenience. A word to the wise: Beware of “Credit Counselors.” Click here to see an article prepared by Maryland’s not-for-profit CRC discussing these entities.

If bankruptcy is your best option, one of our experienced attorneys will be happy to assist. There are several different forms of bankruptcy. Chapter 7 is the most popular in Maryland, and can be used to eliminate many common debts, such as most credit cards and medical bills. In the majority of cases, our clients are able to keep all their possessions, and eliminate or substantially reduce their debt.

A Chapter 13 bankruptcy gives you peace of mind, KNOWING you will retain any and all property YOU want to keep. A portion of your debt is paid through a Chapter 13 Plan. With this option, our clients can often significantly reduce their car, credit card and medical payments while keeping their house, car and all their other possessions.

To learn more about these options, and which best fits your priorities and circumstances, call us now for a free preliminary l consultation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Client Resources & Forms

Credit Counseling (Pre-Petition) Providers
Debtor’s Education (Post-Petition) Providers