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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.

Chapter 13

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:

Chapter 13 Plan
Chapter 13 Plan Certificate of Service

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

Alcoholics Anonymous


Behavioral Health Assistance


Drug Abuse Counseling


Baltimore City Public Schools


BGE Energy Assistance




First Energy/Potomac Edison


Public Assistance Emergency


Social Security/Medicare


Veterans Services


Internal Revenue Service


Comptroller of Maryland


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.