I have been assisting Maryland residents dealing with a number of debt problems for decades. As a former bankruptcy trustee, I know what perspective the “other side” of a bankruptcy case will take and the questions they will ask. With this knowledge, I can effectively prepare your Chapter 7 or Chapter 13 bankruptcy petition. If we discuss your financial situation and bankruptcy is not your best interest, I can also seek other debt relief methods. This includes loan modifications for mortgages through the Home Affordable Refinance Program (HARP) or Home Affordable Modification Program (HAMP), seeking possible debt forgiveness or reductions for student loans and other possible options. For every individual, family or small business I work with, it is my goal to find the best legal solution available to help minimize debt and achieve the financial stability my clients deserve. I am able to work with those facing: • Serious debt from credit cards or medical bills • Home foreclosure • Overwhelming student loans or car loans • Mortgage arrears • Back taxes • Wage garnishment It is in your best interest to reach out to an attorney as soon as possible to make sure you avoid common mistakes homeowners and individuals with debt can make. My team and I know how to file what needs to be filed on your behalf, and can advise you about what to expect during and after the legal process. I can also assist those seeking citizenship or permanent residency. I offer a free half hour consultation over the phone or in person, so take charge of your finances and call me today at (240) 688-9000. If Spanish is your primary language, know that you are welcome to call—my staff includes native Spanish speakers
Exempt property is property the law specifically allows you to keep after a bankruptcy case.
Read about how to understand bankruptcy exemptions, what property is protected in bankruptcy, and exemptions by state.
When declaring bankruptcy, it's important to consider the impact on your long-term investments. As you move forward, it's imperative to understand which accounts are fair game in the liquidation or restructuring process.
When your finances are failing, protecting your assets is Priority No. 1.
Depending on your financial situation, some debt relief options may leave you worse off. Truly overwhelmed borrowers should consult with a bankruptcy attorney before taking actions that impact your financial future. For many borrowers, filing for bankruptcy makes the most sense.
You should understand the pros and cons of debt consolidation before taking out any kind of loan to pay off other debt.
Jillian was excellent - handled a rather complicated bit of legal work effortlessly and managed to help get everything cleaned up and back on track after my divorce left my credit and bill situation in a complete train wreck! Thanks Jillian! Highly recommend! (April 2019)
Many people try hard to avoid bankruptcy, but they end up paying the price for waiting.
The longer people wait to file bankruptcy, the more they struggle, according to a 2018 law review study. Here's why you should use this legal tool sooner rather than later to regain your financial footing.
Jilian (was) professional... and within 24 hours (went to)... mediation with a creditor who was taking legal action. I was very satisfied with the outcome and did not have to go to court.
Depending on whether you file Chapter 7 or Chapter 13, #bankruptcy can last several months, or run for up to five years. But the benefits of bankruptcy begin when you file, because the court issues an automatic stay, which halts all collection activities against you.
The decision to file for bankruptcy is not to be taken lightly, so it's important to understand how bankruptcy will impact your finances. Getting legal assistance is often an essential part of the process as well.
Consider the pros, cons, and long-term impact before deciding whether bankruptcy is your best financial option.
Miss Jillian was a rock to my wife from the start We were so stressed out, she calmed her down. She walked us through from the beginning to the end. Detailed step by step everything we needed to have and do in every aspect of the Bankruptcy for the Courts. We will recommend her and her firm to anyone who needs financial help.
The Consumer Financial Protection Bureau will unveil debt collection rules in a few weeks, the agency’s director said Wednesday, potentially unleashing a battle over the industry’s tactics and consumers’ rights. The proposal, which would be the first update to the Fair Debt Collection Practices Act in more than 40 years, will address how often debt collectors can call someone and the industry’s use of emails or text messages.
Some consumer groups fear soon-to-be-unveiled rules will be too friendly to the $11 billion debt collection industry.
#Bankruptcy doesn’t have to last forever — not even on your credit report.
Bankruptcy doesn’t have to last forever — not even on your credit report.
What happens to your retirement funds in bankruptcy before you retire? Here are five common questions about retirement in bankruptcy.
More and more seniors are seeking Chapter 7 and Chapter 13 bankruptcy protection in retirement. How do bankruptcy and retirement funds interact?
More than 60 percent of consumers who have filed for bankruptcy said a medical bill “very much” or “somewhat” contributed to their bankruptcy, according to a new study.
Despite the Affordable Care Act (ACA), more than 60 percent of consumers who have filed for bankruptcy said a medical bill “very much” or “somewhat” contri
Bankruptcy may make sense if you are unable to repay debts as you cover obligations such as retirement, food and shelter.
Bankruptcy isn’t the end of the world. It may even be good for you. Bankruptcy stops collection calls, lawsuits and wage garnishments. It erases debt. And despite what you’ve heard,…
Filing for bankruptcy can stop many types of garnishments. To get an assessment and some advice about your options, consult with a bankruptcy attorney.
It's hard to get rid of a wage garnishment, but you have options to stop or at least reduce the amount.
Is NYU medical school going tuition free?
Is this a trend?
https://www.google.com/amp/s/www.cbsnews.com/amp/news/tuition-free-medical-school-how-the-nyu-school-of-medicine-is-going-tuition-free-60-minutes/
One of the top medical schools in the United States is going tuition-free. Lesley Stahl reports on how and why they're doing it
Despite the hardships you’ll endure after declaring a bankruptcy, there are several ways you can bounce back.
Bankruptcy will cloud your credit, but you can recover. It takes time and discipline, but it isn’t unthinkable.
If you lose a lawsuit to a creditor and the amount you owe is too high for you to pay, you might consider filing for bankruptcy. When you file, collection efforts against you will be automatically halted.
When a creditor takes you to court your best defense is preparation.
Understanding what bankruptcy is, how it impacts your finances and the advantages and disadvantages can help you survive and recover from this financial shakeup.
Understand the impact bankruptcy will have on your finances – and how to recover.
Testimonial Tuesday:
Client review posted on Yelp today:
Jillian was excellent - handled a rather complicated bit of legal work effortlessly and managed to help get everything cleaned up and back on track after my divorce left my credit and bill situation in a complete train wreck! Thanks Jillian! Highly recommend!
This is the No. 1 reason Americans file for bankruptcy - and it’s not usually avoidable
https://www.msn.com/en-us/money/markets/this-is-the-real-reason-most-americans-file-for-bankruptcy/ar-BBTrZxd
Two-thirds of people who file for bankruptcy say medical bills or other issues related to illness contributed to their financial downfall. One big reason: Their health insurance wasn't enough.
Income based repayment of student loans can help in the short run, but there are some downsides going forward
https://www.forbes.com/sites/adamminsky/2019/02/08/6-downsides-of-income-driven-repayment/#7545ee533122
Income based repayment is a lifeline for many, but there are some major pitfalls.
what is a debt buyer— can I settle with them for 10 cents on the dollar?
https://www.nolo.com/legal-encyclopedia/debt-buyers-and-how-to-negotiate-with-them.html
My credit score improved by 49 points in two months- how did I do it?
I paid down a store credit card by $60 and a secured credit card by $50 which lowered my credit usage percentage- see more ways to improve your credit score
https://www.creditkarma.com/advice/i/how-to-lower-your-credit-card-utilization/
You can lower your credit card utilization by paying down your balance early or increasing your credit limit. Also why does low utilization matter?
My priority is being a compassionate lawyer:
https://jeenacho.com/2016/12/29/why-compassion-matters-for-lawyers/
Being a “good lawyer” requires more than the ability to get the facts, apply the applicable law, analyze and advocate for your client’s position.
Do we want more no matter how much wealth we have?
https://youtu.be/f1WtnnWHnQg
Lauren Greenfield’s postcard from the edge of the American Empire captures a portrait of a materialistic, workaholic, image-obsessed culture. Simultaneously ...
The bill requires judges to stay any motion of eviction, foreclosure, or repossession against federal workers during a shutdown and for 30 days after.
https://www.google.com/amp/s/www.moneyunder30.com/publisher/amp/best-payment-apps
Payment apps make paying for your purchases, or splitting a bill easier than it's ever been. These 10 apps offer something for everyone.
Paying your mortgage should be a priority over other bills, including cell phone and credit card bills, if you become 2 months overdue your lender can return your payment and put your home into foreclosure status
https://www.nolo.com/legal-encyclopedia/what-to-do-if-you-can-t-pay-your-mortgage-due-to-a-government-shutdown.html
Save your home
Kindlund Legal LLC
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When will it end...
https://www.yahoo.com/news/democrats-introduce-bill-shield-unpaid-000849682.html
WASHINGTON ― Democrats on Wednesday introduced legislation that would give
In suburban Maryland, government employees brace for missing a paycheck on Friday.
Federal contract workers may not get back pay
https://abcn.ws/2CTE0By
After the shutdown, federal employees could get back pay. Contractors have to make up for lost income.
Mortgage services are working with furloughed fed workers:
https://www.nationalmortgagenews.com/news/mortgage-companies-treating-government-shutdown-like-a-natural-disaster
As the government shutdown enters its third week, mortgage servicers are activating the response plans they normally use during hurricanes and wildfires to assist federal workers who may have trouble paying their mortgages.
Avoid payday loans!
https://www.creditcards.com/credit-card-news/six-reasons-avoid-payday-loans-1264.php
With all the bad press payday loans get, you'd think people would steer clear of them. But the lure of fast cash keeps them coming
The shutdown is effecting court deadlines-
https://www.law.com/nationallawjournal/2018/12/26/doj-with-regret-says-shutdown-complicates-court-orders-and-deadlines/
Here's what U.S. Justice Department lawyers are telling judges: Although we greatly regret any disruption caused to the court and the other litigants the government hereby moves for a stay of all proceedings in this case.
To all my friends and clients 🎄🎄🎄
Justice is the word of the year- along with misinformation- what’s your word?
https://www.washingtonpost.com/amphtml/arts-entertainment/2018/12/17/justice-is-merriam-websters-word-year-beating-out-lodestar-nationalism/
Stories about the Russia investigation and the Kavanaugh hearings kept the word in the public consciousness throughout the year, the online dictionary noted.
Wishing you a Merry Christmas from my family to yours.
So grateful for my kids Katie & Russ and my dog Popper.
Thank you Martindale Hubbell for the AV PREEMINENT Rating:
On my way to Charlotte today- 🍃🍂🍁
Amazon has free shipping for the holidays- what about those who paid for Prime membership:
https://www.cnn.com/2018/11/04/business/amazon-holiday-shopping-prime/index.htmlhttps://www.cnn.com/2018/11/04/business/amazon-holiday-shopping-prime/index.html
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