Salisbury, Maryland Bankruptcy Lawyers

Andrew Melchior MacDonald
Claimed Lawyer ProfileSocial Media
Salisbury, MD Bankruptcy Lawyer with 24 years experience
208 Calvert Street
Salisbury, MD 21801
Bankruptcy, Criminal, Estate Planning and Personal Injury
Former Assistant State's Attorney for Wicomico County. Criminal prosecutor for ten years on the Eastern Shore of Maryland. Former judicial law clerk in Wicomico County. 18 years of trial experience in criminal law. Member of the Maryland Criminal Defense Attorney's Association.
Stephen Merrill Hearne
Claimed Lawyer Profile
Salisbury, MD Bankruptcy Lawyer with 44 years experience
(410) 860-6606 105 W. Main St.
1st Floor
Salisbury, MD 21801
Bankruptcy
University of Baltimore School of Law
I have been practicing law since 1975. My practice is now limited to bankruptcy issues, with a concentration on consumer rights. My client base comes from Maryland's Eastern Shore.
Salisbury, MD Bankruptcy Lawyer with 24 years experience
(410) 341-7575 110 Baptist St
Salisbury, MD 21801
Bankruptcy, Business, Criminal and Divorce
Salisbury, MD Bankruptcy Attorney with 22 years experience
(410) 543-2240 109 Camden St
Salisbury, MD 21801
Bankruptcy, Business and Estate Planning
Salisbury, MD Bankruptcy Lawyer with 35 years experience
(410) 341-3939 231 E Main St
Salisbury, MD 21801
Bankruptcy, Criminal, DUI and Personal Injury
Princess Anne, MD Bankruptcy Attorney with 44 years experience
30538 Linden Ave
Princess Anne, MD 21853
Bankruptcy, Criminal and DUI
Albany Law
David Gormley
Claimed Lawyer ProfileQ&ASocial Media
(301) 863-7480 22196 Three Notch Road Suite 104
Lexington Park, MD 20653
Free ConsultationLexington Park, MD Bankruptcy Lawyer with 26 years experience
Bankruptcy, Estate Planning, Personal Injury and Probate
University of Baltimore School of Law
Dave Gormley is a Partner and the head of our Bankruptcy and Real Estate departments. He has been handling bankruptcy and foreclosure cases for over 10 years. There isn’t much related to bankruptcy or foreclosure he has not already seen. Dave is admitted to practice in Maryland and the Federal Courts, including the U.S. Bankruptcy Court and the U.S. Supreme Court. He lives near Annapolis with his family.
Tyler Cumbo
Claimed Lawyer ProfileQ&ASocial Media
Lexington Park, MD Bankruptcy Attorney with 3 years experience
(301) 863-7480 22196 Three Notch Road Suite 104
Lexington Park, MD 20653
Free ConsultationBankruptcy, Personal Injury and Workers' Comp
Tyler concentrates her practice in personal injury, workers compensation, bankruptcy and criminal law. She joined our firm after serving as a judicial law clerk to the Honorable DaNeeka Varner Cotton of the Circuit Court in Prince Georges County. While serving under Judge Cotton, Tyler was exposed to the intricacies of the civil and criminal processes handling a wide range of complex legal issues. While clerking, Tyler conducted extensive legal research and is knowledgeable on both civil and criminal concepts and procedures. This “behind the scenes” education is invaluable to her clients who face the prospect of appearing in...
Sharon Donahue
Claimed Lawyer Profile
Ocean City, MD Bankruptcy Attorney with 23 years experience
(410) 213-1147 11724 Ocean Gateway
Suite 3
Ocean City, MD 21842
Bankruptcy, Divorce, Estate Planning and Family
The Catholic University of America Columbus School of Law
Easton, MD Bankruptcy Lawyer with 19 years experience
(410) 494-8388 8 S. West St.
Easton, MD 21601
Bankruptcy
Young S. Song
Claimed Lawyer ProfileSocial Media
Ellicott City, MD Bankruptcy Lawyer with 20 years experience
(410) 696-2256 3201 Rogers Avenue
Suite 301
Ellicott City, MD 21043
Free ConsultationBankruptcy, Business, Divorce and Foreclosure Defense
The Catholic University of America Columbus School of Law
Divorce and Bankruptcy, with Dignity. Licensed in MD, VA, and DC, with offices in Ellicott City, Maryland and Annandale, Virginia.
Steven N. Leitess
Claimed Lawyer ProfileBlawgsearchSocial Media
Baltimore, MD Bankruptcy Lawyer with 31 years experience
(800) 385-2243 201 N Charles St
26th Floor
Baltimore, MD 21201
Free ConsultationBankruptcy, Business and Products Liability
University of Maryland Francis King Carey School of Law
Mr. Leitess’ practice has a national scope, serving clients located around the country in litigation and transactional matters arising in Maryland, Virginia and the District of Columbia. His practice focuses on the areas of substantive law that businesses rely upon daily.

The majority of Mr. Leitess’ daily professional activity relates to business litigation and arbitration, however a substantial amount of his time is dedicated to transactional matters and “outside general counsel” services for day-to-day operations of clients who do not have an in-house legal department.

Mr. Leitess has 25 years of experience as “first chair” attorney in numerous evidentiary and non-evidentiary hearings,...
Jonathan M. Herbst
Claimed Lawyer ProfileBlawgsearchSocial Media
Baltimore, MD Bankruptcy Lawyer with 16 years experience
(410) 207-2597 400 E Pratt St
8th Floor
Baltimore, MD 21202
Bankruptcy, Business, Foreclosure Defense and Real Estate
University of Maryland Francis King Carey School of Law
Jonathan M. Herbst is a graduate of the University of Delaware (B.A., 1999) and the University of Maryland School of Law (J.D., 2003). Prior to joining The Herbst Firm in 2017, Jonathan practiced as an attorney at several prominent law firms in the Baltimore area, including working for more than seven years at Royston, Muller, McLean & Reid, LLP in Towson, Maryland. Jonathan focuses his practice on business and real estate transactions, as well as business and commercial litigation. Jonathan assists small business owners with every aspect of business organization and operation, including handling various employment-related issues and litigating employment...
Robert Siegel
Claimed Lawyer Profile
(410) 760-9433 7310 Ritchie Highway
Suite 910
Glen Burnie, MD 21061
Free ConsultationGlen Burnie, MD Bankruptcy Lawyer with 20 years experience
Bankruptcy, Criminal, DUI and Family
University of Baltimore School of Law
Robert A. Siegel is a life-long Maryland resident having grown up in Montgomery County. Robert graduated from the University of Maryland with a Bachelor of Science degree in Accounting. Soon thereafter, Robert passed the CPA exam and gained valuable experience working at a Fortune 500 Company. Not satisfied with a desk job, Robert went back to school to fulfill his childhood dream of becoming a courtroom lawyer. In 1998, Robert graduated Cum Laude from the University of Baltimore School of Law and passed the Bar. The next year, Robert was admitted to practice in the...
Lawrence Price Jr.
Claimed Lawyer ProfileSocial Media
Bel Air, MD Bankruptcy Lawyer with 29 years experience
(410) 838-2308 808 South Main Street
Bel Air, MD 21014
Free ConsultationBankruptcy
University of Baltimore School of Law
Call for a free in-person consultation. Lawrence Price, a Bankruptcy Attorney with over 27 years of experience representing individuals in Harford, Cecil and Baltimore Counties in Chapter 7 and Chapter 13 cases. You will never meet with an associate attorney or paralegal. Attorney Lawrence Price takes pride in personally handling each client's case from the initial consultation to the conclusion. The law firm of Lawrence A. Price, Jr., P.A is a federally designated Consumer Debt Relief Agency that files bankruptcy cases for consumer debtors as defined by Title ii of the U.S. Code. The information contained...
Thomas George Harrison
Claimed Lawyer ProfileSocial Media
Bel Air, MD Bankruptcy Attorney with 23 years experience
(410) 420-7888 30 E Pennsylvania Ave
Bel Air, MD 21014
Bankruptcy, Criminal, Divorce and Family
Villa Julie College and Widener University Delaware School of Law
Graduated from Villa Julie College in 1992 with a Bachelor of Science degree in pre-law/paralegal studies. I attended Widener University of Law in Wilmington, Delaware in 1992 and graduated in 1995.

I was admitted to the MD Bar and Fed. Bar for the U.S Federal Court for the District of MD in 1996, and was employed as an associate attorney with the firm of Charles E. Chlan & Assoc. from 1988 until 2002. In 2002, I left Charles E. Chlan & Assoc. to start my own solo law practice in Bel Air, MD.

My primary area of concentration is in...
Nyasha A. West
Claimed Lawyer ProfileQ&ASocial MediaResponsive Law
Pikesville, MD Bankruptcy Attorney with 13 years experience
(301) 798-4100 600 Reisterstown Road
Suite 600D
Pikesville, MD 21208
Free ConsultationBankruptcy, Divorce, Insurance Claims and Personal Injury
Howard University School of Law
West Law Firm is a boutique law firm founded by Attorney Nyasha West. For more than a decade, Ms. West has represented consumers in bankruptcy and loss mitigation matters. In 2018, West Law Firm expanded to include Divorce Law, Insurance Law and Personal Injury.

West Law Firm is focused on providing excellent legal service to residents of Maryland in order to ensure they are not taken advantage of by creditors or insurance companies. It is our goal to treat all clients as though their matter is the only one what matters. To that end, at West Law Firm, clients are...
Suren Adams
Claimed Lawyer ProfileSocial Media
Bowie, MD Bankruptcy Attorney with 16 years experience
(301) 805-5892 4201 Northview Drive, Suite 401
Bowie, MD 20716
Free ConsultationBankruptcy, Business, Estate Planning and Probate
The George Washington University Law School
Suren G. Adams is an attorney with a passion for organization and excellence. She founded Adams Law Office, LLC, over 14 years ago to help her clients get their financial houses in order and find peace of mind. She is an experienced member of the Maryland Bar Association, the District of Columbia Bar Association, the Alliance of Black Women Attorneys, the Christian Legal Society, and the Prince George’s County Bar Association. Suren obtained a Bachelor of Arts degree in Government and Politics from the University of Maryland in 1994 and then completed course work for a Master of Arts...
Ingmar Goldson
Claimed Lawyer ProfileSocial Media
Silver Spring, MD Bankruptcy Lawyer
(240) 780-8829 1734 Elton Road, Suite 210
Silver Spring, MD 20903
Bankruptcy, Consumer, Foreclosure Defense and Personal Injury
UDC David A. Clarke School of Law and Georgetown University Law Center
At The Goldson Law Office, we represent Maryland consumers. Give us a call and learn why we are the best choice for those who have been defrauded, scammed, or harassed by banks, debt collectors, auto dealers, and other businesses.
Mr. James D. Ealley
Claimed Lawyer ProfileSocial Media
Prince Frederick, MD Bankruptcy Lawyer with 17 years experience
(410) 535-2200 135 West Dares Beach Rd.
Suite 209A
Prince Frederick, MD 20678
Free ConsultationBankruptcy, Estate Planning and Probate
University of Baltimore School of Law
Mr. Ealley's practice focuses primarily on Consumer Bankruptcy and Estate Planning. In representing clients in bankruptcy, James understands the financial stress people are experiencing. He understands their concerns to protect their assets, rebuild their financial lives and create a better future for their families. James counsels clients to alleviate their worries and concerns and develop a plan to address their financial problems, whether it be stopping a foreclosure, repossession or garnishment, or erasing credit card, medical or tax debt. Doing so requires a thorough understanding of the Federal Bankruptcy laws. Since beginning his practice in bankruptcy in 2001, James has...
Roy Niedermayer
Claimed Lawyer Profile
Bethesda, MD Bankruptcy Lawyer with 46 years experience
(301) 656-7603 4800 Hampden Lane
6th Floor
Bethesda, MD 20814
Bankruptcy, Appeals, Arbitration & Mediation and Estate Planning
Harvard Law School
Roy Niedermayer is a member of the firm’s Litigation, Appellate Practice and Government Contracts practice areas. He excels in risk management - he identifies and assesses risk in each of his cases and then discusses alternative strategies in light of probabilities of outcomes to determine what the best cost-benefit course of action is. He may create decision tree analyses, determining what factors affect risk, how to reduce risk, and assigns probability of success. When first meeting with a client, Roy finds out what the client is hoping to achieve and what their goals are - in doing this he understands...
Alan Mark
Claimed Lawyer Profile
Bethesda, MD Bankruptcy Attorney with 46 years experience
(301) 656-7603 4800 Hampden Lane
6th Floor
Bethesda, MD 20814
Bankruptcy, Business, Collections and Real Estate
The George Washington University Law School and American University Washington College of Law
Alan Mark is a Co-Chair of the firm’s Real Estate and Chair of the Financial Services practice groups. He is also a senior member of the Corporate group. For more than 40 years, Alan has concentrated on corporate, commercial and real estate finance matters. He has served as outside counsel to numerous local, regional and national financial institutions, publicly traded biotechnology companies and hotel owners and operators. He has also served as outside counsel to information and telecommunication technology clients, government entities and individuals in connection with technology transfers, business acquisitions, project development and equity and debt financings. Since 1996,...
Lawrence F. Regan
Claimed Lawyer ProfileQ&ASocial Media
Silver Spring, MD Bankruptcy Lawyer with 36 years experience
(301) 588-8100 1738 Elton Road
Suite 105
Silver Spring, MD 20903
Free ConsultationBankruptcy, DUI and Personal Injury
University of Maryland Francis King Carey School of Law
Attorney with sophisticated practice including Bankruptcy, Criminal and Civil Litigation, Corporate and Business Law, Personal Injury, Fraud, Real Estate Law and Litigation, Wills and Trusts and Administrative Law. *Counsel of record in more than 2300 bankruptcy cases in Maryland and the District of Columbia. Supervisory counsel in hundreds or thousands more. *Civil and criminal/traffic litigation in State and federal courts in Maryland and the District of Columbia. *General civil practice including business organization and corporate, general business, contracts, landlord tenant, wills, etc. Milliondollaradvocates.com superlawyers.com thenationaltriallawyers.com (Top 100) National Academy for Bankruptcy Attorneys (Top 10 in...
Jodie E. Buchman
Claimed Lawyer ProfileBlawgsearchSocial Media
Baltimore, MD Bankruptcy Lawyer
(443) 909-7523 201 N Charles St
26th Floor
Baltimore, MD 21201
Free ConsultationBankruptcy, Appeals, Business and Real Estate
University of Maryland Francis King Carey School of Law
Diana Lee Klein
Claimed Lawyer Profile
Annapolis, MD Bankruptcy Lawyer with 19 years experience
(443) 569-4574 2450 Riva Rd
Suite 200
Annapolis, MD 21401
Free ConsultationBankruptcy, Business, Foreclosure Defense and Probate
Widener University Delaware School of Law
Diana Klein also owns a title company, Lawyers' Title & Escrow Services and has her real estate brokers license and operates a brokerage firm helping buyer and sellers with residential, commercial, luxury, standard or short sales at Lawyers' Realty, LLC.
Maximillian F. Van Orden, Esq.
Claimed Lawyer ProfileSocial Media
Baltimore, MD Bankruptcy Attorney with 23 years experience
(800) 547-4529 923 N. Calvert Street
Baltimore, MD 21202
Free ConsultationBankruptcy, Personal Injury, Social Security Disability and Workers' Comp
University of Maryland - Baltimore
Max Van Orden graduated magna cum laude with a Bachelor of Arts degree in Government and Politics from the University of Maryland, College Park in 1992. He received his law degree from the University of Maryland School of Law in 1995, passed the Maryland Bar in December of that same year, and has been practicing law exclusively in the state of Maryland ever since. Mr. Van Orden regularly represents individual clients before the United States Bankruptcy Court for the District of Maryland, the Social Security Administration, the Workers’ Compensation Commission, and the District and Circuit Courts of Maryland. Currently, Mr....
Keith Havens
Claimed Lawyer ProfileSocial Media
Greenbelt, MD Bankruptcy Lawyer with 26 years experience
(301) 229-8880 Ivy Lane
Greenbelt, MD 20770
Bankruptcy, Appeals, Divorce and Family
American University Washington College of Law
At Havens & Associates, LLC, our clients come first. Every client is treated with personalized attention and is guaranteed effective representation. Our expertise and integrity have earned us a reputation as one of the premier legal firms in Maryland and the District of Columbia. Havens & Associates, LLC is dedicated to achieving the best outcome for every client. Havens & Associates, LLC represent clients in all state and federal courts located in the State of Maryland and the District of Columbia.
Mark Edelson
Claimed Lawyer ProfileBlawgsearchSocial Media
Baltimore, MD Bankruptcy Lawyer
(800) 385-2243 201 N Charles St
26th Floor
Baltimore, MD 21201
Bankruptcy, Appeals, Business and Estate Planning
University of Maryland School of Law
Albert Wilson Jr
Claimed Lawyer Profile
Silver Spring, MD Bankruptcy Attorney with 15 years experience
(240) 839-4153 8720 Georgia Avenue
Suite 700
Silver Spring, MD 20910
Bankruptcy, Construction, Employment and Real Estate
American University Washington College of Law
Hello. It's a pleasure to meet you. My name is Albert Wilson, Jr. But you can call me Albert.

For years, I've practiced law in the Washington, DC metro region. As an attorney, I've centered my practice on civil litigation, involving construction, real estate, and business. Admittedly, I have been known to take a case or two unrelated to these areas, e.g., consumer protection cases. And on occasion, I will accept a pro bono (free of charge) case that is referred by the AARP.

Undoubtedly, you'll read many lawyers' bios, detailing the various accolades the...
Brian C. Williams
Claimed Lawyer ProfileSocial Media
Hyattsville, MD Bankruptcy Attorney with 21 years experience
(301) 891-8485 6475 New Hampshire Ave
#205
Hyattsville, MD 20783
Bankruptcy, Business, Collections and Immigration
Howard University School of Law
I am an experienced Maryland and District of Columbia Attorney. My practice areas include Bankruptcy, Foreclosure, Immigration, Personal Injury, Car Accidents, and Debtor/Creditor Law. I take great pride in providing personalized and effective representation. I am dedicated to meeting the legal needs and goals of my clients.

In 1995, I received my B.S. in Marine & Environmental Science from Hampton University. I earned my J.D. from Howard University School of Law in 1998. I am admitted to practice in Maryland, District of Columbia, the U.S. District Court District of Maryland, and the U.S. District Court District of Columbia.
Brian Barkley
Claimed Lawyer Profile
Rockville, MD Bankruptcy Lawyer with 48 years experience
(301) 251-6600 51 Monroe Place #600
Rockville, MD 20850
Bankruptcy, Divorce, Estate Planning and Family
The George Washington University Law School
The National Law Center, George Washington University J.D., with Honors
University of Maryland, BA Major in Government & Politics, Minor in Psychology
Civic, Professional, Foundation and Corporate Affiliations:

Delegate to Democratic National Convention
Campaign Manager for Rep. Michael D. Barnes
Rockville Chamber of Commerce – Past President
National Capital Chapter of MS Society - Board of Trustees, and Past Chair
Shady Grove Hospital Fund Campaign - Major Gift Chair
Montgomery County Bar Association –Chair Judicial Selections; Member of Ethics, Fee Arbitration and Legislation Committees
Silver Spring Chamber of Commerce - Vice President
Montgomery County Chamber of Commerce - Liquor Control Evaluation
Rockville Alternative Community Service Commission
Montgomery County Volunteer MS Committee -...
Diana Valle
Claimed Lawyer ProfileSocial Media
Annapolis, MD Bankruptcy Attorney
(301) 340-1911 1997 Annapolis Exchange Pkwy
Ste 300
Annapolis, MD 21401
Bankruptcy, Family and Foreclosure Defense
American University Washington College of Law and University of Maryland Francis King Carey School of Law
Diana Valle offers a comprehensive, individually tailored approach to legal representation. Every client is assessed not only to analyze the correct legal course and strategy but to offer general ancillary assistance on other issues. For example, a client with a bankruptcy problem may also need tax assistance, while a client who is in foreclosure may need a bankruptcy.

Ms. Valle's interest in the law stemmed from her sense of justice and fair play for all. The challenges of learning the law coupled with her passion for justice peaked Ms. Valle's interest in pursuing a legal career. Ms....
Rowena Nicole Nelson
Claimed Lawyer Profile
Largo, MD Bankruptcy Lawyer with 14 years experience
(301) 358-3271 1801 McCormick Drive
Suite 150
Largo, MD 20774
Bankruptcy, Criminal and Divorce
Nova Southeastern University
Afshin Pishevar
Claimed Lawyer ProfileSocial Media
Rockville, MD Bankruptcy Lawyer
(301) 279-8773 226 N Adams St
Rockville, MD 20850
Free ConsultationBankruptcy, Business, Civil Rights and Criminal
Cleveland-Marshall College of Law
Michael Fried
Claimed Lawyer Profile
Bethesda, MD Bankruptcy Lawyer with 36 years experience
(301) 656-8525 7315 Wisconsin Avenue, Suite 925
Bethesda, MD 20814
Bankruptcy and Tax
New York University School of Law and Washington University School of Law
Michael Fried has spent over 25 years practicing law, and more specifically tax related law. As the principal founder of Fried Law Firm and now 1 of 2 partners at Fried & Rosefelt, LLC, Michael S. Fried actively helps clients by handling bankruptcies, business purchases, federal and state tax problems, partnership and shareholder relationships.
Pierce Murphy
Claimed Lawyer ProfileBlawgsearchSocial Media
Baltimore, MD Bankruptcy Attorney
(800) 385-2243 201 N. Charles St
26th Floor
Baltimore, MD 21201
Bankruptcy, Appeals, Arbitration & Mediation and Business
University of Baltimore School of Law
Jillian Aylward
Claimed Lawyer Profile
Bethesda, MD Bankruptcy Attorney with 32 years experience
(240) 688-9000 6701 Democracy Blvd
Suite 300
Bethesda, MD 20817
Free ConsultationBankruptcy and Foreclosure Defense
Suffolk University Law School
Marlow Allen Henderson III
Claimed Lawyer ProfileSocial Media
Pikesville, MD Bankruptcy Attorney with 16 years experience
(888) 625-6243 1829 Reisterstown Road
Ste 350
Pikesville, MD 21208
Bankruptcy, Business and Personal Injury
University of Maryland Francis King Carey School of Law
Attorney Marlow Allen Henderson III is admitted to practice in U.S. Federal Court, U.S. Bankruptcy Court, Maryland Court of Appeals and in all Maryland Local and County Courts - Outstanding ability to work with clients to achieve desired goals of representation - Dedicated to providing professionalism and excellence in the performance of assigned tasks - Tenacious attitude regarding the attainment of successful results - Focused on providing extremely high levels of customer service - Detail-oriented, organized and able to manage projects to completion
C. Valerie Ibe
Claimed Lawyer Profile
Pikesville, MD Bankruptcy Lawyer with 19 years experience
1008 Reisterstown Road
Pikesville, MD 21208
Bankruptcy, Employment, Family and Immigration
Rivers State University
The Law Offices of C. Valerie Ibe, has licenses to practice in the States of California, Maryland and New York and is equipped to help residents of these states to face the complexities of civil litigation whether in the state courts or in federal courts. The lead attorney, in addition to legal qualifications has also an MBA in Business Administration and a CPA
Matthew D. Osnos, Esquire
Claimed Lawyer ProfileSocial Media
Greenbelt, MD Bankruptcy Attorney with 36 years experience
(301) 572-3238 7850 Walker Dr
#310
Greenbelt, MD 20770
Bankruptcy, Business and Real Estate
Duke University School of Law
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Bankruptcy Lawyers in Nearby CitiesBankruptcy Lawyers in Nearby Counties

Considering Bankruptcy?

Bankruptcy law allows debtors, who are unable or partially unable to pay outstanding debts, to rid themselves of these debts and obtain a fresh start. Both federal and state laws can affect a debtor seeking to file for bankruptcy, and an attorney can help you understand how state and federal bankruptcy laws apply to you.

If you are struggling with high debt, receiving calls from creditors or collection agencies, or facing foreclosure, garnishment of wages, or repossession of property, filing for bankruptcy may provide you with solutions.

Bankruptcy lawyers offer legal advice and services during a financial crisis. In total, there are six different types of bankruptcy. For persons seeking debt relief, one option is Chapter 7 bankruptcy, which provides for liquidation of the debtor's non-exempt assets. Another popular option for individuals is Chapter 13, which allows for management and reduction of debt through payment plans. Corporations and partnerships filing for bankruptcy often choose to file under Chapter 11, which provides for supervised reorganization of the business.

Experienced bankruptcy counsel can help you evaluate whether you should pursue a bankruptcy as well as the Chapter under which to file. Bankruptcy lawyers can also help end harassing phone calls from debt collectors and evaluate available legal options when facing a home foreclosure.


Automatic stay: An injunction that automatically stops lawsuits, foreclosures, garnishments, and most collection activity against the debtor the moment a bankruptcy petition is filed.

Unsecured claim: A debt for which credit was extended based solely upon the creditor's assessment of the debtor's future ability to pay, rather than on a special assurance of payment.