RESOURCES FOR DEBTORS
A Bankruptcy Lawyer
As a person filing for bankruptcy, one of the best resources you have is an experienced bankruptcy lawyer. Many people believe that they can’t afford a lawyer, but a Chapter 13 filer can pay their lawyer through their Chapter 13 plan. Please see our article titled Hiring a Lawyer is Leverage.
Section 341 Meeting of Creditors
Social distancing is impacting bankruptcy procedures in a major way. The Office of the United States Trustee has issued the Instructions and Information for Participation in Telephonic Section 341 Meetings in the District Court of Maryland. Because of COVID-19, the UST has developed temporary procedures for conducting the 341 meetings remotely. Please contact your lawyer for specific instructions in your case. If you do not have a lawyer, contact your Trustee’s office for their instructions.
If you filed your Chapter 13 case without filing all of your schedules, statements and/or Chapter 13 plan, it is important that you get those documents filed in order to avoid having your case be dismissed. All of the forms required for filing are available on the U.S. Bankruptcy Court’s website, including the Chapter 13 Plan below:
Modification – CARES Act
On March 27, 2020, the President signed into law the Coronavirus Aid, Relief, and Economic Security Act (the “CARES Act”). Section 1113(b)(1)(C) of the CARES Act offers you a great option with respect to modification of your Chapter 13 Plan if your Plan was confirmed prior to the date of enactment of the CARES Act. The Act will permit you to extend the term of your plan to up to 7 years from the date the first payment came due under your original plan as long as you can show that you are experiencing or have experienced “a material financial hardship due, directly or indirectly, to the coronavirus disease 2019 (COVID–19) pandemic.” The court must approve your request after notice and a hearing. The modification provisions will sunset after one year from the date of enactment.
Places to Call for Help
Behavioral Health Assistance
Drug Abuse Counseling
Baltimore City Public Schools
BGE Energy Assistance
First Energy/Potomac Edison
Public Assistance Emergency
Internal Revenue Service
Comptroller of Maryland
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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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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.