Bankruptcy Law

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You don’t have to lose everything if you're bankrupt. Depending on the circumstances of your case, you may be able to stop garnishments, lawsuits, repossessions and even foreclosures just by filing for bankruptcy. If you can’t keep pace with your bills, you're not alone. 

The whole country is in a deep recession, but misery is not the kind of company you need. You need help, and bankruptcy can provide that help and a fresh start, but you can’t delay it. Call Russell & Heffner LLC at 301-695-2977 today for your initial bankruptcy consultation. Don’t wait until it's too late.
 
For over 35 years, the attorneys at Russell & Heffner, LLC have provided debt relief and bankruptcy services to clients throughout the Frederick community with personal attention and understanding. 

We're competitively priced, experienced and professional with a commitment to helping our clients get the fresh start they deserve. Initial consultations are private, privileged and without charge, so it costs you nothing to discuss the options. We look forward to meeting you!
 
Contact Russell & Heffner LLC today at 301-695-2977 for an initial bankruptcy consultation. Evening and weekend consultations are available by appointment.

Common Questions About Bankruptcy

What can I do to stop a foreclosure on my home? What property can I keep in a bankruptcy? Can I stop my landlord from evicting me? I have been served with a foreclosure or lawsuit, is it too late? 

Can I stop them from garnishing my paycheck? Can I get my car back once it has been repossessed? Can I discharge taxes or student loans? What is the difference between Chapter 7, Chapter 11 and Chapter 13 bankruptcies?
 
The answers: The questions may be common but the answers are unique. Bankruptcy law can be complex and the answers to these questions are specific to the facts of your case. 

Contact Russell & Heffner LLC to set up a consultation to get the answers to your specific questions, based on the facts of your specific case. You'll meet with an experienced bankruptcy attorney, not a paralegal or legal assistant. 

The most important part of the answer is not to delay. The problems are not your fault, but problems don't take care of themselves and depending on the circumstances, tomorrow may be too late. It's FREE and takes less than an hour in most cases.

Chapter 7 Bankruptcy

A Chapter 7 Bankruptcy will discharge almost all debts completely. Nevertheless, you may be able to retain most or all of your assets. 

The experienced bankruptcy attorneys at Russell & Heffner LLC can assist you in determining if you qualify for a Chapter 7 Bankruptcy, determine if all of your debts can be discharged and help you keep as much of your property as possible.
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Chapter 13 Bankruptcy

A Chapter 13 Bankruptcy is a reorganization plan that can stop foreclosure, repossession, wage and property garnishments, lawsuits, and creditor harassment. 

This type of bankruptcy proceeding allows the debtor to consolidate, prioritize, reduce debt payments and in some instances, eliminate certain debts entirely. A Chapter 13 Bankruptcy also stays (stops) actions by creditors while you reorganize under the supervision of the Bankruptcy Court. 

The main purpose of a Chapter 13 Bankruptcy is allowing you to devise a plan to pay all, or a part of your debts based on what you can actually afford. These debts have to be paid each month, even debts which would not otherwise be dischargeable. 

In a Chapter 13 Bankruptcy, it may be possible to “strip off” a second mortgage or other liens encumbering your residence. Our attorneys can assist you in determining if you are eligible for this type of relief under the Bankruptcy Code.
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Chapter 11 Bankruptcy

A Chapter 11 Bankruptcy is for corporations, some individuals and other entities that are not eligible for a Chapter 13 Bankruptcy filing. You may be eligible for Chapter 11 Bankruptcy relief and an automatic stay from creditor actions, such as foreclosures, repossessions, lawsuits and garnishments.
 
Russell & Heffner LLC has over 35 years of experience in filing bankruptcy cases. Our office can provide you with an initial legal evaluation of the options available to you under the Bankruptcy Code. Don’t delay until it is too late.
Call us to set up a consultation today!
301-695-2977
Your initial consultation is FREE, private, and privileged.
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