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Low Fees - Payment Plans - Evening & Weekend Appointments Help With-Credit Cards-Bank Loans-Foreclosure-Taxes-Student Loans Free Telephone Consultation 410-484-4900 24/7 Excellence In Legal Service - Serving The Entire State Of Maryland We have earned the trust of thousands of satisfied clients and have gained experience in thousands of successful Bankruptcy cases since 1973. We will properly prepare all required documents for you, promptly file them with the court, appear in court with you at your hearing and keep you fully informed throughtout your case. There is no substitute for trust and experience.
" Your representation was outstanding in recovering thousands of dollars I paid out in a debt consolidation scam, properly representing me in a bankruptcy and getting all my debts eliminated at a low fee and less than one half of what I paid to them. What was most important to me was your integrity and clear answers to my questions." ~~D.G. I was very impressed with your dedication to my case, answering all of my questions throughout the case, obtaining my discharge without delay and getting back the money taken in the wage attachment. If anyone needs to file bankruptcy you are the lawyer they need to call. ~~K.B. " I was suprised to learn how the debt settlment company I saw on television took advantage of me. Thank you for getting my money back from them, properly filing my bankruptcy and saving my house. I recommend your services. " ~~H.M. " Thanks for taking over my chapter 13 case which enabled me to save my house. Your seemed much more knowledgeable than my past lawyer. If I didn't change lawyers, I would have lost my home" ~~ W.S. " Many thanks for a job well done in getting my tax debts and other claims eliminated and being available to answer all of my questions throughout my case." ~~B.W. " I appreciate your meeting with me on the weekends so I did not have to lose time from work."~~N.T. " Thanks for your straight forward answers, working with me with a payment plan and saving my house."~~D.J.
Representing Debtors To Totally Eliminate Debts, Or To Reorganize Debts In Order To Protect Property And To Obtain A Fresh Financial Start Prompt, experienced and effective representation for all financial issues including, foreclosure, repossession, wage attachments, student loans, federal and state tax matters. In addition to bankruptcy, we provide effective representation for tax problems with the IRS, tax audits, tax liens, tax wage attachments, IRS offers in compromise, IRS installment plan arrangements, and IRS audits. Our debt relief agency will fully prepare all bankruptcy documents, both before and after your case is filed, go to court with you, and defend you against contested matters from the trustee, your creditors and their attorneys. We work with you with a workable payment plan and a low fee we invite you to compare. Call, you will see for yourself. Each case is different and presents different opportunities and challenges. If you have any questions, call Jack I. Hyatt 410-484-4900.
If you have been a victim of a credit counseling program, debt management or home rescue scam, we can help to get your money back, damages or both. We have recovered thousands of dollars for payments made to programs that have misrepresented their status. If you are in a debt management program, you may wish to determine: If you paid money to an unlicensed bankruptcy preparer that did not prepare your documents properly, or gave you any legal advice and you were damaged, we may be able to assist you getting your money back and damages. If you have any questions, call Jack I. Hyatt 410-484-4900.
"There is No Substitute For Experience."
JACK I. HYATT Reafirmation Agreements - Be Careful In bankruptcy proceedings, a debtor may have the opportunity to retain collateral under secured creditor agreements. To do so, the debtor must file what's known as a reaffirmation agreement with a creditor. This agreement basically states that the debtor will continue to pay all or part of the debt obligation to the creditor -- bankruptcy notwithstanding -- in order to retain the property or real estate holding. The reaffirmation contract is usually overseen by an attorney, but if the debtor does not have a bankruptcy attorney present, the judge in charge of setting the protocols for the bankruptcy trial may have to approve the contract and act as a de facto advocate for the debtor. In any case, the debtor will have to answer a number of questions about the reaffirmation agreement -- whether he or she will be able to make good on the loan despite the circumstances of bankruptcy, whether the property in question is essential for daily living (e. g a car/truck or a home), and whether the debtor has the means to make good on the terms discussed in the agreement. Most bankruptcy courts will encourage debtors to think about the reaffirmation agreement over a cooling off period. If at the end of this timeframe, the debtor still wants to move forward with the collateral arrangement, the debt in question will no longer be discharged according to bankruptcy proceedings. Bankruptcy codes and courts will never force debtors to enter into reaffirmation agreements. However, creditors are not obligated either to participate in such agreements. Remember that the guarantee against repossession is not absolute. If the debtor fails to make good on the stipulations in the reaffirmation agreement, a creditor can and most likely will proceed with foreclosure or repossession proceedings against the collateral. It's possible to engage in multiple collateral arrangements during bankruptcy, but if the debtor has the means to manage multiple collateral reallocation agreements, it may not be wise from a credit point of view to initiate bankruptcy proceedings. Speak with your bankruptcy attorney about the nuances and subtleties of this kind of creditor arrangement before you discuss them with your creditors directly. If you have any questions, call Jack I. Hyatt 410-484-4900.
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