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Consumer Bankruptcy

The Chaos of Debt

In our endeavor to meet the demands of life, work and family, we are often compelled to utilize, what seems to be easy and readily available credit.  The ease and availability of credit often belies the difficulty in getting and staying out of debt, especially for persons of low to moderate income.  When faced with temporary loss of income, or an emergency expense, debt can become unmanageable resulting in collections, foreclosure, repossessions, garnishment and collection-related harassment.  In many cases, bankruptcy may be your only option for getting relief from the chaos of debt collection.  

The Chaos of Debt

Relief is Available

For honest but unfortunate people who have run into financial difficulties resulting from hardships like unemployment, divorce or unexpected medical expenses, bankruptcy gives them an opportunity to obtain a fresh start.  We strive to make available to our clients the powerful tools available in bankruptcy for solving problems and leveling the playing field between consumers and creditors.  Most of our clients come to us feeling overwhelmed, extremely stressed, and exhausted from dealing with harassing creditors and collection calls. Hopefully, by the end of the bankruptcy process clients feel more empowered and ready for their fresh start. The fresh start enables people to liberate themselves from the shackles of debt and to reach their full potential unencumbered by the chaos of debt.  If you are ready for your fresh start, please book an appointment for your free consultation.

Relief is Available

The Bankruptcy Law

Bankruptcy law balances rights of creditors to get paid with rights of debtors to get a fresh start.  The most important source of bankruptcy law is the Bankruptcy Code which is title 11 of the United States Code, referred to herein as “the Code”.  Another important source of bankruptcy law are the guidelines contained in the Federal Rules of Bankruptcy Procedure referred to herein as the “Bankruptcy Rules”.  In addition to the Code and the Bankruptcy Rules, are the local bankruptcy rules.  Disputes about the application of the Rules and the Code have resulted in numerous cases which may begin in state courts, bankruptcy courts, district courts, appellate courts and some of which have reached the Supreme Court. 

The types of bankruptcy cases that we usually file are liquidation under Chapter 7 of the Code and reorganization under Chapter 13 of the Code.  With many of the bankruptcy laws on your side, you can “Empower Your Fresh Start” and utilizing all of the tools of available to you under the Code. 

We have successfully represented numerous people with credit card debt, judgments, repossessions, tax debt and foreclosure issues. We have saved homes for some clients and provided peace of mind for many more.  Let us talk with you to determine if bankruptcy is the option that could help in your situation. Every person’s situation is different.  We encourage you to speak with an attorney to help you understand how to make the right move for your circumstances.

Please be advised that to be eligible to file for bankruptcy, with some limited exceptions, you must have received a credit counseling briefing from an approved nonprofit budget and counseling agency within 180 day before filing the bankruptcy case.  A list of approved nonprofit budget and counseling agencies is available on the U.S. Department of Justice website. 

We are a federally designated debt relief agency. We help people file for bankruptcy under the Bankruptcy Code. This statement is required by 11 U.S.C. § 528(a)(4), however, it does not state the full range of services available from this firm.

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For a free consultation, call us today at (410) 837-3570. Evening appointments are available upon request.


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Attorney Shawn W. Carter is responsible for the content of this website. The information on this website is provided for educational and advertising purposes for the public.  The information is not intended as, and should not be construed as legal advice. The use of the information provided in these pages does not form any contractual or other forms of attorney-client relationship with the reader or user of the information.   Please consult with an attorney regarding your particular factual and legal circumstances.  An attorney-client relationship cannot be created before the firm has accepted the representation and confirmed the representation in writing. 

Please do not send us any confidential information about any matter that may involve you unless we have agreed that we will be your lawyer and represent your interests. The best way for you to initiate a possible representation is to contact the office so that we can explain the steps that must be followed. When you enter into a retainer agreement from us, you will be our client, and we may then exchange information freely.

Nothing on this website is intended to state or imply that the quality of the legal services to be performed by Shawn W. Carter is better than the quality of legal services performed by other lawyers.  You must be a resident of, or authorized to do business in, the State of Maryland in order to use the legal services offered by this website and the law firm. 

We are a federally designated debt relief agency.  We help people file for bankruptcy under the Bankruptcy Code.  This statement is required by 11 U.S.C. § 528(a)(4), however, it does not state the full range of services available from this firm. 

Discrimination is Against the law. We comply with applicable federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex, including sex stereotypes and gender identity. We do not exclude people or treat them differently because of their race, color, national origin, age, disability, or sex.

Note: each case is different and the past record of a lawyer is no assurance that the lawyer will be successful in reaching a favorable result in any future case.