Bankruptcy | Estate Planning | Business Incorporation

Bowie Bankruptcy Attorney

Serving Prince George's & Anne Arundel Counties

At Adams Law Office, LLC, we understand how difficult it can be to maintain solvency in the face of life’s many challenges. Economic meltdowns can result in job losses, furloughs, and reductions in pay. Divorce, unexpected medical bills, and poor financial planning can all lead to a debt burden that is impossible to maintain. When such hardships hit, you may not know what to do or where to turn for practical advice.

While you have likely considered bankruptcy, negative stereotypes about this legal procedure may be keeping you from moving forward. But hundreds of thousands of people just like you take advantage of this solution every year, and you deserve to experience the same relief.

Our firm is here to help you understand all aspects of bankruptcy so you can make an informed decision about whether it is right for you. We believe our country is blessed to have legal solutions designed to give any American a fresh start. Both federal and state bankruptcy laws have been established for those who are facing overdue bills, foreclosures, garnishments, repossessions, and attachments. We consider ourselves privileged to be able to extend such a valuable debt relief solution to our clients. Withmore than 20 years of combined experience, you can count on our care, attention to detail, and dependable level of service.

Overwhelmed by debt? Harassed by collection calls? Contact our Bowie bankruptcy attorneys at (301) 900-5940 for a free, initial consultation today.

Bankruptcy Solutions

Chapter 7 and Chapter 13 are the two types of bankruptcy filings most commonly used by consumers. Chapter 7, often called straight bankruptcy, is a liquidation process in which your nonexempt assets are sold off to pay your creditors. Any remaining unsecured debt (e.g. credit card debt, utility bills, medical bills, etc.) after the liquidation process is forgiven.

Chapter 13 is a different form of bankruptcy where you create a plan to pay a portion or all of your debt over a 3-5-year period. Generally, at the end of the repayment period, whatever unsecured debt remains is forgiven.

At Adams Law Office, LLC, we can help you decide whether bankruptcy is right for you. You will need to provide answers to the following questions:

  • Have you filed a bankruptcy within the last 8 years?
  • Are you married? Will you be filing bankruptcy individually or with a spouse?
  • What is the estimated amount of your total debt?
  • What type of debt (e.g. credit cards, tax bills, student loans, etc.) do you owe?
  • Is there a codebtor on your debts?
  • What assets do you have other than household goods (e.g. home, vehicle, stocks, bonds, etc.)?
  • What is the estimated value of your asset(s)?
  • How much equity do you have in your asset(s)?
  • Have you made any cash advances for $825 or more in the last 70 days?
  • Have you made any purchases of $550 or more in the last 90 days?
  • What is your annual income?

Based on your responses to these questions, we can provide you with a free analysis of your financial position, help you determine whether you will qualify for bankruptcy and for which type, describe the bankruptcy process, and explain the differences in types of bankruptcy.

To initiate the process, you will need to provide the following documents:
  • Copy of your driver’s license
  • Copy of your last 6 months of paystubs
  • 4 years of tax returns (if you do not have these available, tax transcripts will be ordered from the IRS)
  • Bills/statements received from creditors in the last 2 months
  • Bank statements from the last 2 months
  • Certificate of completion from a credit counseling course provider (a financial management course will also need to be completed after the petition has been filed)
  • Completed questionnaire (provided by your attorney)

The above gives you an idea of how to begin. Once you retain our services, we will provide the ongoing guidance you need as we navigate the process together through the bankruptcy court.

Take Advantage of Your Legal Rights

If you are severely debt-ridden, obtaining sound legal advice is a vital first step. Our Bowie bankruptcy lawyers are here to help you turn your financial life around and move toward a brighter future.

Schedule a free consultation at (301) 900-5940 or contact us online today.

Going above & beyond for our clients

What You Can Expect with Us
  • Over a Decade of Experience

    Over the last 10 years, we have developed a relationship with the trustees and judges in the area, helping to get the top-quality representation you deserve.

  • Streamlined Process

    We have streamlined our legal processes so preparation and processing are as efficient as possible and the result is what you are looking for.

  • Premier Client Care

    From start to finish, our aim is to provide excellent service to our clients. You are never just another case.

  • Free Consultations

    Whether in-person, over the phone, or virtual, your first initial consultation with us is 100% complimentary.

Other Practice Areas

At Adams Law Office, LLC, our goal is to help you build the legal and financial foundations you need for years to come. In addition to bankruptcy support, we help clients with estate planning matters as well as the business incorporation process. Let us put our 20+ years of experience to work for you.
  • Christian Legal Society
  • Elder Counsel
  • DC Bar
  • MSBA
  • Wealth Counsel
  • US News 2020 Best Law Firms
  • Avvo 2020
  • Avvo 2019
  • Avvo 2018
  • Avvo Clients' Choice Award 2019
  • America's Most Honored Professionals 2019
  • America's Most Honored Professionals 2018
  • Alliance of Black Women Attorneys
  • 2019 Lawyers of Distinction

get your financial house in order

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