The Gardner Law Firm, P.C.

Bankruptcy Protection

Attorney Assisting Individuals and Businesses throughout the Washington, DC Area with Consumer Bankruptcy Protection

Bankruptcy is a legal way to eliminate, reduce, or manage debt by giving debtors the opportunity to get a fresh start. The United States bankruptcy laws are intended to give debtors a fresh start.

If creditors are calling and harassing you for payment, your bank has sent you letters threatening to foreclose on your house, or you have income tax debts the IRS is attempting to collect, then you should contact The Gardner Law Firm, P.C. for representation.

The Gardner Law Firm, P.C. is committed to helping individuals and businesses who are having difficulty paying their monthly bills, avoid foreclosure on their home, and eliminate income tax debts. We handle Chapter 7, Chapter 11, and Chapter 13 bankruptcy cases for individuals and businesses located throughout the Washington, D.C. metropolitan area including Prince George's County, Montgomery County, Arlington County, Fairfax County; Chicago, Atlanta, Texas and Alabama.

A bankruptcy case is commenced by filing a petition with the U.S. Bankruptcy Court. A credit counseling class must be taken before the Bankruptcy Court will accept the petition. The petition contains various schedules in which the debtor lists assets, liabilities, monthly income, and monthly expenses.  Attorney Gardner is a member of the National Association of Consumer Bankruptcy Attorneys (NACBA).

Determining the Best Approach for You

The three basic types of bankruptcy petitions are Chapter 7, Chapter 11, and Chapter 13. Individuals can receive protection from creditors under Chapter 7 and Chapter 13 of the U.S. Bankruptcy Laws while businesses use Chapter 11 to reorganize the financial structure of the business.

In a Chapter 7 filing, a trustee is appointed to pay off all creditors by liquidating the assets of the debtor and distributing the proceeds to creditors in accordance with set priorities.

A Chapter 13 filing, allows creditors to be paid over time based on a proposed plan. Wage earners propose a plan to pay creditors in full or in part to obtain a discharge. Debtors are allowed to retain assets under a Chapter 13 and are not required to liquidate all of their assets as in a Chapter 7 filing. For example, if you own a home with equity filing under Chapter 13 may allow you to keep your home while you pay the proposed plan.

Contact Us

If you are in need of assistance with Consumer Bankruptcy Protection, contact us to schedule a free initial phone consultation. We represent all individuals and businesses including medical professionals such as doctors and dentists. We have the experience and knowledge you need to manage your legal situation.

The Gardner Law Firm, P.C.
1101 Pennsylvania Ave NW
Washington, DC 20004-2514
Telephone: 202-271-0552 | Fax: 301-249-6234

At The Gardner Law Firm, P.C., we serve clients throughout the United States. From our offices in the District of Columbia, we serve Maryland and Virginia residents in communities such as Washington, Bethesda, College Park, Fort Washington, Greenbelt, Largo, Rockville, Silver Spring and Upper Marlboro, as well as all the communities in Alexandria County, Anne Arundel County, Fairfax County, Howard County, Montgomery County and Prince Georges County. We also serve clients remotely in locations such as Atlanta, Houston and Chicago.