Everything You Need to Know About
Filing Chapter 7 Bankruptcy
We Will Do It Together
Don't let the burden of debt control your life any longer.
Chapter 7 bankruptcy, often referred to as liquidation bankruptcy, provides a legal route for individuals struggling with debt to get a fresh financial start.
Given the complexity of bankruptcy law, hiring a bankruptcy lawyer is the smart choice to help you navigate the process and avoid the pitfalls that can potentially have severe financial consequences.
What are the benefits?
Most of your debts, including medical bills, credit card balances, and unsecured personal loans, can be wiped out.
Depending on the amount of equity you have in your home and the status of your mortgage payments, you may not be required to sell your home.
Once you file for Chapter 7, an automatic stay goes into effect, halting all collections activities, including wage garnishment and harassing phone calls or letters.
Free Consultation
Adam M. Freiman, Esq.
Specializing in Bankruptcy
Call Me: (410) 486-3500
Over one billion dollars of debt erased on behalf of our clients.
10,000 successful cases discharged
500
Guaranteed results. Same day filings available – Free Consultation.
Who Can Qualify For A Chapter 7 Bankruptcy in Maryland?
Chapter 7 bankruptcy is designed for individuals who are unable to repay their debts. In Maryland, to qualify for Chapter 7, you must pass the “means test”. This test assesses your income and expenses to determine if you’re eligible. If your annual income is below the median income in Maryland, you’re likely to qualify. However, if your income exceeds the state’s median, you may need to explore other financial options. Our experienced bankruptcy lawyers can help you understand these options and determine the best course of action for your situation.
Frequently Asked Questions about Chapter 7
Our consultation is free, call or contact us to explore your options. In many cases, our clients can afford to pay based on not having to pay their creditor bills. Once you file, most debts are wiped out enabling you to start fresh.
The cost to file for Chapter 7 bankruptcy in Maryland includes a $338 filing fee, as of 2021. However, this does not include attorney fees, which can vary widely depending on the complexity of the case and the attorney’s experience. It’s also important to note that there may be additional costs for credit counseling and debtor education courses.
The success rate of Chapter 7 bankruptcy is generally high, with the majority of cases resulting in a discharge of debts. According to the U.S. Courts, over 95% of Chapter 7 bankruptcy cases filed result in a discharge of debts. However, the success rate can vary depending on the individual’s circumstances and the complexity of the case.
While Chapter 7 bankruptcy can provide relief from overwhelming debt, it also has significant downsides. It can severely impact your credit score and remain on your credit report for 10 years, which can make it more difficult to obtain credit, buy a home, or sometimes get a job. Additionally, you may have to surrender some of your property, and not all debts can be discharged in Chapter 7 bankruptcy. Certain debts, such as student loans, child support, and most tax debts, are typically not dischargeable.
If you’re considering filing for Chapter 7 bankruptcy in Maryland, it’s crucial to have a knowledgeable and experienced lawyer by your side. I’m ready to guide you through every step of the process, ensuring you understand your options and make the best decisions for your financial future.
Take the first step towards regaining your financial freedom. Contact me today for a free, no-obligation consultation. Let’s discuss your situation and explore how we can help you navigate the complexities of Chapter 7 bankruptcy.
Mr. Freiman made the whole process a smooth transaction. He was always available by phone if I had any questions, and promptly returned my calls. He's a no frills attorney, who's the best at what he does. Look at his reviews, they speak for him. I would recommend him and only him. Thank you for a new start!!
Thank you Mr. Adam Freiman and staff for a smooth process of my Chapter 7 petition. I am ever so grateful that you were the one that directed the process. God Bless you and your staff for handling my case.Ever Grateful,Kerry
I am so grateful for their efficient and professional services. I called their offices many times to ask questions and always, spoke with an attorney, not an answering service. I even called in the evening expecting to leave a message for a call in the morning and received a called back within 10 minutes from an attorney who spoke with me at length answering all of my questions. I knew I was in great hands at this point and hired his firm. Filing bankruptcy is never an easy process to go through. Mr. Freiman made this a painless process with his caring gentle nature. The creditors meeting went so smoothly and occurred in a short period of time. I appreciate the services that were provided to me and will recommend them to everyone I know who needs his services. Thanks again, Mr. Freiman.
Worst experience . I was over talked and not taken seriously. I would not recommend at all the reviews online are ASKED to be given once the case has been processed
Mr. Freiman was great. He was very thorough. My husband told me how he worked and it was nothing but exceptional. He was very knowledgeable and patient with me and some of my questions I asked. I would highly recommend him.
Very painless and easy to work with. Highly recommend Mr Frieman as your bankruptcy attorney.
My experience working with Mr. Freiman was wonderful. He made me feel comfortable and at ease during a very difficult time in my life. The process was smooth and I didnt have to worry about a thing.
Adam was great.Very easy, fast,and affordable. Always there to answer any questions I had.I would recommend Adam in a heartbeat for anyone having to file bankruptcy. Thank you Adam
I usually don’t leave reviews but this is the one exception…it is very hard to find a lawyer this day and age that cares about your well being more than getting paid. Adam worked with me and my unique situation to make sure I was taken care of. He’s very communicative not once did I even go more than an hour with out a response. to top it off the process was flawless I didn’t have to do anything he handle literally everything and now I’m sitting in a better position for years to come. Thank you Adam
Mr. Freiman was amazing. He was very thorough & knowledgeable & helped me a great deal. He made the process smooth & made himself available to me every step of the way. I definitely recommend.
Adam Freiman is great. I was so nervous about qualifying and filing for Chapter 7 and he was extremely confident and straight to the point. It made me suspicious at first, but no he is just that good at what he does. You give him the documents he needs, and he will do the rest, easy breezy. Highly recommend!
This process was very nerve wracking for me since I never thought I would be in this position. However, from the beginning, Mr. Freiman was assuring and fabulous. He was diligant and I could not have asked for a better attorney or a smoother process.I would absolutely recommend his services to anyone! Thank you for everything!
Great attorney/office! I read the positive reviews and went with him, and I was not disappointed. He would answer the phone calls/emails every time I called immediately, had an answer for everything and did not disappoint at all. Handled everything professionally and timely! Would recommend to anyone struggling through this tough time in life!
Adam is exceptional at navigating clients through the daunting process of bankruptcy. He has been in the industry for several decades and is committed to serving his clients. The process of working with Adam is very efficient and he responds immediately to all emails. Not to mention, he is always available for any questions or concerns. I will surely continue to send referrals to his office that are in need of a fresh start.
If you are considering bankruptcy look no further than Adam Freiman. He was referred to me by another attorney and is very professional, knowledgeable, and thorough. Adam made the process so simple. I would strongly refer him to anyone.
I had the worse experience ever. Everything he told me was a lie and backtracked on everything he said. Wastes money, gave him all I had to represent me and he did not. Wasted over 4,000 for my case. Please beware.Definitely not a fake name. We couldn’t finish the case because of the lies that was told to me by you. Asking me for more money to convert to a chapter 7 when I asked you that from the beginning. I already gave you a large sum to begin. Not satisfied at all. The job wasn’t even completed to my satisfaction.
Adam was perfect. Prepared me for everything. Open and honest. Answered all emails quickly. I spoke to many lawyers before choosing him and I’m so glad I did. Go with Adam, you will not regret it at all. Can’t recommend him enough.
Go to Mr Freiman for all Chapter 7 cases. I called many lawyers and they all gave me the run around. I needed my Chapter 7 filed within a week, I got ghosted by many other lawyers.Mr Freiman may seem a bit straight to the point but his skill is undeniable. This is the bougie lawyer who will have your back. I took a big risk paying the Chapter 7 fees upfront before sending any documents but Mr Freiman got me discharged. When he says he has the most bankruptcy cases in MD discharged, the man isn't lying lol. We did the process all remotely. Make sure you sign up to PACER to check your case status. I've been discharged 62 days from 341 meeting and working on rebuilding my credit now!
I highly recommend Mr. Freiman to anyone. He made the process so simple for me and was kind and professional throughout.
I would definitely recommend Mr. Adam Freiman! Very professional and and will help yoi through the whole process!
Mr.Adam was amazing the process was fast and easy. He answered every question I had and answered every phone call. Because of him this process was very easy and not stressful. I definitely recommend Mr.Adam
Horrible…. Just want money. Fast talker and doesn’t go through with what he says he going to do. Make sure you Read! Your paperwork. Please READ! All documentation. Before you sign. Adam took my wife money a she didn’t sign anything. This office is a scam! Please don’t call or use their services. They will tell you for a chapter 13 everything will go into it, then when you have read over your paperwork you are paying for somethings to the company you owe out of pocket. When you ask questions Mr.Adam has so many excuses as to why he needs to get off the phone. He has a meeting in two mins, someone is at his door. In the beginning Adam will answer all your questions make it sound good. Then charge you extra lie and make like you not understanding. A Bankruptcy charge is $6000. Why in my paperwork it’s $6500. Please I encourage you to find another lawyer this firm is all about money and reviews. On top of it All he want money upfront so if you don’t agree with anything he does he will take your money and tell you move on. So he has already collected money from you for doing nothing.
Mr. Freiman and his firm were great, they were Professional, courteous, and compassionate to our needs. His outstanding service made an easy for us to understand every step of the process. I highly recommend this firm for any need that may Arise. From beginning to end, Mr. Freiman was outstanding and completed our case in a timely manner.
Mr. Adam M. Freiman Was very patient with me and was there to help me having a learn disability go threw a death in family and not understand thing he explain it to me He was a great with meI would recommend him
This was such an easy experience. I wasn't sure what to expect but Mr. Freiman and Miss Violet were so friendly and understanding. I would recommend their services to anyone in need of filing bankruptcy.
Was a hard and long process, but Mr Freiman made it less stressful during a very difficult time.
adam was awesome from begining to the end, he handled my BK case with ease and makes it easy and understandable. I highly recommend his services. Thank You Adam.
I wasn't sure about the whole bankruptcy process I've spent months researching information and trying to find the best attorney and someone who's not going to take financial advantage and would actually be of some assistance. Mr. Freiman has been an excellent attorney. As any normal person would I was a little worried at first but he assured me that everything was okay and that he will handle everything all I needed to do was provide him what he asked for and he will take care of the rest and that's what he did and I appreciate him so much for that and would be also referring him personally to people as well so again thank you Mr Freiman.
.who would leave a client in the middle of bankruptcy?If that explanation makes you feel better, ok👌!
If you are considering bankruptcy and are in the Baltimore (MD) area, Adam Freiman is a great lawyer. His process from beginning to end was worth it. Being able to do everything via phone and online makes the process more streamline. It also helps that he does payment plans if necessary. Highly recommended .
When I initially reached to Adam by email, he responded back to me within 5 minutes or so. I was so impressed to see that he was about his business. As I looked back on communication between me and him, we had our first face to face meeting the day after Christmas...did I say that I was impressed with him😊 I soon found out that he's passionate about his work. I have referred some friends to him and like me, they were extremely pleased with their results in working with Adam.If you're looking a bankruptcy attorney who never stops working for you, Adam is your guy.
Adam was excellent through and through. He was very informative and transparent; able to always answer any questions we had and made the process as smooth as possible during a stressful time. Thank you so much!
A great lawyer helped me understand everything and broke everything down. Everything was simple for the bankruptcy. Will definitely recommend to friends and family
Mr. Adam's work ethic is above and beyond I thought I'd have had trouble clearing debts that I accumulated over the year's, so many doubts and second-guessing myself. Mr. Adam reassured me that anything was possible and opened my mind to the possibilities I highly recommend Mr. Adam for his work and his service to anyone!Mr. Adam, it was a great pleasure doing business with you Sir I highly appreciate you for everything you did.
Mr. Freiman is an amazingly kind gentlemen who has helped me and several of my neighbor/friends. It's been a pleasure working with him. I learned a lot and appreciate his fantastic guidance and caring support. His team is amazing, too!! You will be in good hands working with Mr. Freiman and his team 🙌🔥💪
Thank you so much Adam. It was a great pleasure working with you and your team.
Adam M.Freiman is one of the most professional lawyers that I have ever worked with. he keeps you informed on what’s going on step-by-step. The bankruptcy process was one of the smoothest ones I’ve ever done. I would recommend him to my family and friends outstanding service. I would read him a 10
Mr. Freiman and his staff are great from start to finish. I fill out a form inquiring about the services and someone called me back with all my questions answered. The process of bankruptcy was quick and easily with Mr. Freiman. All questions and concerns were addressed effectively.
Mr. Freiman was very professional and fast with the process with helping me with my bankruptcy. Thank You
Mr. Adam Frieman was amazing. This was my first time filing. He helped me with every question & explained every detail. He made my process very easy. I would recommend his law firm to everyone I know. Thank you so much For all your help!!
Mr. Adam Freiman, P.C. is a very knowledgeable attorney. He is supports you through the entire process. He is direct and no nonsense.
Mr. Freiman did a great job on my case. Thorough and efficient, my case process was a breeze! Thank you, Mr. Frieman!
I recently had the privilege of working with Mr. Freiman for my bankruptcy case, and I couldn't be more satisfied with the experience. From our initial consultation to the final resolution, Mr. Freiman demonstrated unparalleled expertise, professionalism, and dedication.Throughout the entire process, he was incredibly responsive and communicative. He patiently explained every step of the bankruptcy process, ensuring that I fully understood my options and felt empowered to make informed decisions. His clear communication and prompt responses alleviated much of the stress associated with bankruptcy proceedings.
Adam Freiman was one of the best lawyers that I’ve ever used to File bankruptcy .Everything was smooth sailing communication and the service that was provided was very outstanding . I would recommend Adam Freiman to any of my family and friends.It has been a pleasure working with Adam Feriman.
Mr. Freiman made an extremely daunting process manageable and clear. His rapid responses to my questions always kept me well-informed. Highly recommended!
Mr. Freiman was great! I had a serious issue with my bankruptcy filing. Upon a trusted colleague's recommendation, I contacted him and he guaranteed he could fix it for me, which he did, both with immediacy and with the upmost professionalism. I wished I had retained him from the beginning. I highly recommend anyone who needs a bankruptcy attorney to please contact Adam Freiman!
Adam Freiman was the best attorney I could have asked for during the bankruptcy process. He made this process as easy as possible. From the initial phone call, he was able to gather all the information needed to file for bankruptcy. After that, he does everything for you. He completes all the paperwork, answers any questions you have, and keeps you updated at all steps of the process. All you need to do is sign the pre-filled paperwork. The best part is that you don't need to even physically meet, or go to an office, if you don't want to. He offers his services either virtually ( all you need is a computer) or in person ( at his office) if that is your preference. He is extremely knowledgeable, respectful, and a blessing to work with. Without a doubt, if you are looking for the best bankruptcy attorney in MD, Adam Freiman is your guy.
Mr. Frieman was excellent in reguards to my case, he was timely and always answered my phone calls. Im grateful that i chose his law office to assist me in getting my life in order.
Mr. Adam is very knowledgeable of the bankruptcy law. HIS experience spoke volumes to me . from our first conversation we had. He explained the process in great detail. And welcome any questions I might have had. Thank you for representing me. And making me a client.
Mr. Freiman represented me today in bankruptcy court. He did a wonderful job. He is a very caring individual. He helped me in every way possible and the process went extremely well. Thank you so much Mr Frieman, you are a wonderful attorney.
Mr Freiman is a very professional lawyer quick response and very friendly he explained everything to me very well so I understood what was happening. He make me feel good and relaxed working with him.
Adam was very helpful with a difficult business problem. I highly recommend his services.
I would like to thank the Law Offices of Adam Freiman for everything that they have done for me throughout this process. Mr Freiman was very attentive, professional, down to earth and extremely knowledgeable about his craft. I really enjoyed the fact that I did not have to leave the comfort of my home but still felt confident enough to know that I was being assisted by the best. This was a swift process and I never felt neglected or "out of the loop". Economically, its affordable and when you think of the long-term results, it is well worth it. Mr. Freiman provided me with all of the necessary information needed and is always there to answer my questions or concerns and reassure me that everything will be ok. Thanks again for all that you do and I definitely recommend reaching out to the Law Offices of Adam Freiman to lead you on the path to financial success.
I want to thank Mr. Freiman for his expertise and guidance. He thoroughly explained everything. The entire process was effortless and stress free. Thanks again! C. Anthony
Provides very quick and efficient services. Works well remotely which saves me time as a client.
He is very straight forward and accessible. All of our questions were answered in a very timely matter.Our case was handled very professionally.
Attorney Freiman has to be the absolute best attorney I have ever communicated with. The process was smooth on his side and a little delayed on mine. He worked quickly and diligently to have my case filed. He is top notch!
Considering my situation working with Mr. Freiman was very simple. He did all the work. I basically gave him my information and situation and he did the rest. Answered every question in a timely manner and I was never sent to an assistant or anyone else. My situation was unfortunate but I am glad my co-worker sent me to him. I would absolutely recommend the Law Offices of Adam Freiman to anyone in need of a bankruptcy attorney.
Hello, if you're nervous and worried about finding a great bankruptcy lawyer. Don't worry, look no further! Mr. Freiman is amazing and will make everything so easy. You'll be off to a fresh start in life in no time. He is very responsive and reliable and friendly. So delay no more; grab yourself a cup of coffee, then text Mr. Freiman to begin your fresh start. No worries over here! 🙂
If you are looking for a crackerjack Bankruptcy attorney, look no further!! Mr. Freiman is your guy!! He is precise, dedicated, knowledgeable, compassionate, works very hard for his clients, and is the “BEST” in the business, make no mistake! I cannot say enough about Mr. Freiman, he is AWESOME!!!Joanne M.
Mr Freiman was amazing with helping with my case. He was clear and concise, explained all the information necessary and was so kind and understanding during the whole process. He is very knowledgeable about the process as well.
My lawyer Mr Freiman is an good guy he provided the help I needed if anyone need help please good to Adam M Freiman
I've had the best experience with Mr.Freiman. He was always available to answer my questions, no matter the time I reached out. I love the fact, that I never had to leave the comfort of my home. Mr. Freiman is an awesome Attorney! I would definitely hire him again, if needed.
Superior customer service and professionalism. If I could give 10 stars I would. Thank you so much!
If you are looking for a lawyer there’s no need to look elsewhere. Mr Freiman is an awesome lawyer and individual. I chose Mr Freiman based on his reviews and I have no regrets. He is very reliable, detailed and organized. He will be there with you every step of the way, and he responds very promptly to your questions and concerns. Once you do your part he will get the job done in a timely and efficient manner. I have no regrets using Mr Freiman and I would definitely NOT HESITATE in recommending him to anyone. Job well done, Thank you.
Mr. Adam Freiman is one of the best in the business, very professional and knowledgeable about all aspects of his business.
From my consultation to my discharge Mr. Friedman has been nothing shy of amazing. He was very patient in explaining things, his communication was above and beyond. If you are considering, or on the fence about filing, I highly recommend him!!
Awesome experience. Very easy process and reasonable pricing. Mr. Freiman has answer all my questions and then some. Would highly recommend.
Very professional, and helpful. All my questions were answered and he made the process very smooth.
Mr. Freiman did exactly what he told me he would do, an amazing job. I reached out to multiple lawyers to handle my case but, when I had a talk with Mr. Freiman he had a great deal of confidence. Which is a big deal, id rather hear yes and I will vs maybe and if's. A lot of other lawyers want you to meet with them numerous times and just a lot of extra things that he didn't require. Minimal interaction outstanding results. My type of service.Thanks againPost Filing- I will give three starts instead of the initial five stars that I gave. Adam comes of as a confident lawyer but is more like a car salesman. You know they tell you what you would like to hear and what will get you to choose their service but afterwards oh well your stuck.I was told that my student loans would not show on my credit report but I would still owe them and initially for two months that's what I saw. Then the debts started appearing on the credit report again. Prior to using his service I told Adam I was concerned about debt to income which is probably why Adam told me the student loans wouldn't show. Today I called to inquire why they were showing and he doesn't remember any of our conversations. As well as saying to help possibly remove student loans it would be 20% of my student loan price. HahaConclusion- I would still possibly recommend because Adam did do most of what he said and what I mainly went to him for but there are tons of other people you could find on google. To a person you never met you are their reviews. A few months ago Adam was 1 of 2 five stars.
Mr. Freiman provided excellent service for my case. He was available to answer any questions, he explained everything in detail and was very responsive to my phone calls and emails. I was referred to Mr. Freiman and were given high reviews of his services and have referred him to my family and friends. The process did not take long and was a very easy process. I was not stressed out and worried. Mr. Freiman knows his stuff and I am so glad that I went with him to assist with my bankruptcy. I feel like a weight has been lifted off of me. I truly feel debt-free now. Again, thank you soooo much Mr. Freiman.
Mr. Freiman was awesome I never had to leave my home when I call and or texted him I got a reply immediately right back. Mr. Freiman knows what he’s talking about and my process was flawless. I’ve been telling anybody that will listen how good he is definitely. 1000/10000 I wish I could give more than 5 stars.
If you are in need of a great Bankruptcy Attorney, Adam Frieman is your guy! He's efficient, thorough, and fees are reasonable, easy to contact, always respond in a timely manner, and most of all, a great person to work with! He made my process very smooth. You won't be disappointed!
This Law office is truly like none other. I filed bankruptcy back in 2019 and Adam was with me every step of the way. He made sure that everything was taken care of. When I had questions no matter day or night weekend week day Adam is always going to reply to you in a very timely and professional manner. He really knows his stuff and he truly makes you feel like he has your back and he’s in your corner. I am so glad that I found this law office I don’t think my outcome would have been as successful and transparent any where else.
Mr. Freiman did an excellent job on my case. He was always very clear on what I needed to do and guided me through the process. He was courteous, polite and very helpful.
Mr Freiman was extremely helpful and very easy going. He made what seemed to be a very difficult decision for myself so much easier than what I anticipated and the burden that I felt I was under. He helped put my mind at ease and now I finally feel like I can breathe again. Thank you so very much for your kindness. I appreciate everything you did to get me through this process.
Adam Freiman was a pleasure to work with. The process was seamless and he explained everything thoroughly. Communicated effectively throughout the entire proceeding. Will utilize his services again! Have referred others as well. Thanks Mr. Freiman.
This is a special thanks to Mr Freiman for helping me through this very difficult time, specifically, first time filing bankrupt. He was patient through all of my questions and concerns, extremely knowledgeable, and delivered EVERYTHING that he promised. I was a little skeptical in the beginning because his prices were a tab bit higher than others, but when taking care of business, you’d want the best! Worth EVERY penny!! Thanks again!
The best bankruptcy lawyer, hands down! He responds to inquiries very fast (he also responds on weekends) and he’s great at explaining the entire process while encouraging you to reach out to him at any time should you have any questions or concerns. I didn’t have to leave my home during this process. I’m so happy I went through with this, I finally have my fresh start. Highly recommended!!!
Mr Adam Freiman exceeded my expectation. I would highly recommend him. He was on point in every area of the process. I had no problems at all reaching him by phone, email or text. I never met Mr Freiman prior to him becoming my lawyer. After reading the reviews during my search, I decided to take a chance and it turned out that I was so happy and pleased that I did. Very professional!
I’ve dealt with Mr. Freiman directly from beginning to end of my Chapter 7 filing. He’s always easy to contact, and quick to respond to my questions. His clear & concise communication made this a very smooth process for me. I could not have filed & completed bankruptcy without him. I would highly recommend his services, and use them again in the future if needed.
