Chapter 7 versus Chapter 13 bankruptcy: What's the difference?

When it comes to serious financial problems, it's a good idea to try to stay calm and explore all available options to get things back on track. The good news is that most financial crises are temporary. However, it's also true that a solution that works for one Maryland resident might not even be a viable option for another. No two financial situations are exactly the same.

Debtors are protected by the FDCPA

The actions that debt collectors in Maryland can and cannot take are governed by the Fair Debt Collection Practices Act, or FDCPA. While debt collectors are allowed to contact individuals about a valid debt, those who are contacted have a right to verify what the debt collector is saying. If a person makes a request to verify a debt balance, verification must be provided in writing. Collection agencies are also generally barred from making contact before 8 a.m. or after 9 p.m.

Out-of-network medical bills are worryingly common in Maryland

A recent study conducted by the Health Care Cost Institute reveals that one in five hospital patients in Maryland who received treatment at an in-network medical facility were sent an unexpected bill for out-of-network treatment or services. After analyzing almost 620,000 in-network admissions from hospitals in 37 states and the District of Columbia, only New Jersey, California, Kansas and Florida had a higher frequency of out-of-network charges.

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With our hands-on approach to your case, we will ensure all of your concerns are addressed. Sit down with a bankruptcy attorney at our firm. We will work to get a holistic view of your financial situation so we can offer a practical path forward to a new financial future. Send an email now to schedule your free initial consultation. Appointments are available now at our comfortable offices in Greenbelt.

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