What Is Chapter 13 Bankruptcy?


Between 2005 and 2017, Americans filed 4.1 million Chapter 13 bankruptcy petitions. In Maryland, as of March 31, 2020, there were 17,255 filings. The idea of having to go through bankruptcy may seem embarrassing to some, but being able to lower one’s debt may take away a good deal of stress.

Chapter 13 affects future credit but may relieve anxiety when creditors have to stop calling and sending past due notices and collection letters. This type of bankruptcy can provide filers a chance to restructure and alleviate some of their debt.

The Wage Earner’s Plan

Chapter 13, also known as the wage earner’s plan, allows people to repay their debts as long as they have a regular income. Under this plan, individuals may make payments to creditors over a three- to five-year period. During this time, companies cannot start or continue collection proceedings against the debtor.

Individuals cannot file a Chapter 13 bankruptcy if there was a prior bankruptcy dismissal in the preceding 180 days because they failed to appear in court.  Also, debtors cannot file if they received credit counseling 180 days before filing. There are exceptions for emergency situations.

The Filing Process

Chapter 13 begins when an individual files a petition with the court. A bankruptcy lawyer Rockville MD can provide a debtor with the correct documents to file and explain the bankruptcy procedures. Along with the petition, the individual must include the following:

  • A schedule of assets and liabilities
  • A list of contracts and unexpired leases
  • A statement of all financial affairs
  • A current listing of all income and expenses

In addition, debtors must give the court several comprehensive lists:

  • Creditors and amounts due
  • Income information about earnings and pay schedule
  • All property
  • Living expenses such as food, clothing and utilities

Individuals have to pay administrative and filing fees. The court may allow debtors to pay in installments in certain circumstances.

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3 Thinks to Know When Settling a Workplace Injury Claim


For those who have suffered a severe illness or injury related to their work or job duty, you may want to consider hiring an Orlando workers comp lawyer. With an attorney, you have a better chance of receiving all of the benefits you are entitled too. Since workers’ comp law is highly complex, make the lawyer you intend to hire has specific expertise in the area. To narrow down your search for the right attorney, here are some tips to keep in mind.

Start With Recommendations

With social networking connections, it is a lot easier to ask for recommendations from family, friends, and colleagues. Many attorneys will have very little advertising campaigns, focusing instead on earning referrals from satisfied clients. You could also contact local and state bar associations for advice on a lawyer in your area.

Don’t Always Trust the Internet

You can use a search engine to look for options for your case, but don’t always rely on the reviews or the information you come across. You may also need to search through the information on the website to get a feel for the type of law that an attorney practices. The site might advertise workers’ comp law, but this could be a small area rather than a focus. Look for testimonials from former clients, not just one or two anonymous reviews posted through random forums. The website and any other data that pulls up should seem experienced, professional, and knowledgeable.

Use the Consultation Like an Interview

Most of attorneys offer a free consultation in order to ensure they don’t waste their time or yours on a groundless case. Use this time to question the lawyer rather than letting him or her do all the talking. You become an employer, so treat the consultation like an interview and ask for information that verifies expertise as a workers’ compensation attorney.

Handing a workplace injury on your own may not get you the settlement you deserve. Contact an attorney for the best chance at fair compensation.

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What Does a Personal Injury Attorney Do and When Do You Need One?


When you suffer an injury or illness due to someone else’s negligence or wrongdoing, you may well want to sue the person responsible for causing it. You will therefore need an experience personal injury attorney to file suit for you and aggressively advocate for your right to receive just compensation for your injury or illness.

Personal Injury Attorney Qualifications

The more experience your attorney has in handling various types of personal injury cases, the better chance you stand of receiving the maximum amount of compensation. For instance, your personal injury attorney Columbia MD should have litigation experience in some or all of the following areas:

  • Motor vehicle accidents (car, truck, bus, motorcycle, bicycle, etc.)
  • Pedestrian accidents
  • Workplace accidents
  • Slips, trips, falls and other types of premises liability accidents
  • Dog bites
  • Medical malpractice
  • Product liability accidents
  • Serious injuries (spinal cord injuries, traumatic brain injuries, amputations, accidents resulting in visual or hearing impairment, etc.)

(S)he should also possess good negotiating skills. Why? Because most personal injury cases never go to court. Instead, a skilled personal injury attorney can obtain a favorable settlement for you from the defendant(s) and/or his, her or their insurance company.

Attorney’s Fees

Most personal injury attorneys charge what’s called a contingency fee. What this means is that you pay nothing unless or until your attorney satisfactorily resolves your case. Then (s)he will keep a percentage of the settlement or jury award amount for himself or herself before paying your outstanding medical bills and giving you the remainder.

Civil Suit

Keep in mind that your personal injury lawsuit is a type of civil suit, often referred to as a tort action. The defendant(s) will not go to jail when you win. Rather, (s)he or they will be required to pay you money damages. Not only will these include your actual medical expenses, but also such things as your pain and suffering, your current and future lost wages, etc.

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How to Properly Prepare for a Divorce


Over 2 million couples file for divorce in the United States each year. Making a marriage work can be difficult. In some cases, the only way to fix the problems in a marriage is by dissolving it.

Getting a divorce is one of the most stressful and challenging experiences you will go through in your life. The main thing you need to do to get through this difficult process is to prepare. Here are some of the things you can do to get prepared for an impending divorce.

Start By Preparing Your Finances

When faced with the reality that you are headed for a divorce, you need to start the preparation process. The first thing you need to do when trying to prepare for a divorce is to take a look at your finances. Closing any joint accounts that you share with your soon to be ex-spouse is a good idea.

You also need to start keeping records of things you pay for like child care and mortgage payments. Seeking out the help of a lawyer who specializes in divorce Diamond Bar CA is the best way to get prepared for this difficult process.

Hiring a Lawyer is Important

Another important thing you need to do in preparation for an impending divorce is to hire a lawyer. Trying to get through this process without legal help can be nearly impossible. Before choosing a lawyer to work with, schedule a few consultations.

These consultations can help you find out more about a lawyer and what they can do to help you. A lawyer will also be able to tell you about your rights and provide you with advice regarding what you need to do to get ready for the divorce proceedings.

Don’t Wait to Prepare

As you can see, having a plan of action will help you get through a divorce. With the help of a legal professional, you can get through this difficult time.

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Why You Should Hire an Attorney

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Whether you’re filing for divorce or trying to fight a criminal charge, you should work with an attorney to get your case on the right track. This is especially true if you don’t have a legal background and have no idea about the laws in your specific state. However, an attorney can bring this knowledge and more to the table if you entrust them with your case. While not every legal matter requires the use of attorneys ashburn va, some situations are a lot more complex and need the expertise of a lawyer to resolve.


By hiring an experienced lawyer, you’re equipping yourself with the tools you need to beat your case. That’s because your lawyer has likely seen cases similar to yours or at least knows enough to make educated guesses about how your case might get resolved at trial. Your attorney will know the best time to offer a settlement or when to take a case to trial. When it is best to offer a settlement, your attorney can negotiate fair terms with the opposing party. However, when it’s best to go to trial, your lawyer will know how best to present your case and provide the most relevant evidence.


Most people understand that the law can be complicated. Someone who hasn’t had extensive education about the law won’t understand certain legal issues. That’s why lawyers are so valuable, because they can offer their expertise and knowledge without being emotionally attached to a case. Hiring a lawyer is also a good idea because they tend to specialize in one or more legal practice areas, such as criminal defense or tax law.

Hiring a lawyer might not be the best decision for some cases, but in other situations, it could be the difference between winning and losing.


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What is a TBI and how do they happen?


A traumatic brain injury (TBI) is a life-altering event. According to the U.S. Centers for Disease and Prevention (CDC), more than 2.8 million people are treated in emergency rooms each year for TBIs. This doesn’t even take into account the people who don’t go to the hospital or seek treatment from another healthcare provider after an accident occurs.

What is a traumatic brain injury?

TBIs can occur when a person suffers a blow or jolt to the head, experiences a loss of oxygen, or suffers an injury caused by an object penetrating brain tissue. Injuries associated with TBI include instances of hematoma (blood clot on the brain), brain hemorrhaging, skull fracture, shearing, and edema (swelling). An injured person can receive one or more of these injuries in an accident.

A person who suffers a head injury should always receive medical treatment immediately. The sooner a TBI is diagnosed, the better the long-term prognosis is for the injured person. TBIs have long been known as the “silent epidemic” because many people don’t realize the seriousness of it because the injury is not always visible to the naked eye. After treatment has been sought, be sure to contact a personal injury lawyer in Houston. Your attorney can examine the circumstances surrounding the accident and ensure you receive the help and medical treatments you need.

TBI is a life-altering injury

Medical professionals classify TBIs as mild, moderate, or severe. Concussions are considered to be mild TBIs. It’s important to understand a concussion is not an injury that should be dismissed. There is no such thing as “just a concussion.” These should always be taken seriously. It is not uncommon for symptoms to emerge days, weeks, or months after an accident. In the case of an injured child, it might be years before the full extent of the head injury is known. No two brain injuries are alike and, while there are similar symptoms in victims, no one will experience the same exact effects.

Common accidents that lead to a TBI

Any kind of TBI, regardless of severity, can lead to significant changes for the injured person and their family. Life is often never the same post-accident. A TBI can happen in a variety of scenarios. In the United States, the top three causes of TBIs are:

  • Slips and falls
  • Motor vehicle accidents
  • Violence

If you, or a loved one, have experienced a head injury in an accident or because of the actions of another person who was negligent or committed violence, it’s important to receive legal counsel. An experienced personal injury lawyer in Houston can ensure you receive compensation to cover the costs of your medical expenses, and for your pain and suffering.


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Ease of Winning Worker’s Compensation Claim with the Assistance of the Right Lawyer

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In the event of you had suffered injuries at your place of work; it would be in your best interest to make the most of the worker’s compensation claim. You should rest assured that the workers’ compensation claim program has been specifically designed by the federal and the state government to benefit the employee or the worker had suffered injuries while working in a company or industry. It has been a boon for the workers working in any industry or company.

However, not all workers would be aware of the worker’s compensation program or they may not have availed it. You should rest assured that being aware of your rights would work in your benefit largely. Therefore, it would be in your best interest to hire the services of workers compensation lawyer Fort Wayne to help you in claiming the worker’s compensation suitable for your specific needs.

Among the several aspects that you would be required to consider, you should look for experience, skills, and expertise in a worker compensation lawyer. It would not be in your best interest to look for cheap lawyers to handle your claim. Have you been searching for the right worker’s compensation lawyer in your region, you should look for the one that does not burn a hole in your pocket.

Not all lawyers would come cheap. They would offer high-quality services for a significant price. As a result, a majority of people would be deterred by the thought of hiring the services of a worker’s compensation lawyer. That is not entirely true as you could come across several lawyers looking forward to handling your claim case on a contingency basis. They would ensure that get the rightful claim while they work on a ‘no win no fee’ basis.

Finding the right worker’s compensation lawyer should not be a daunting task lest you know where to search for the right lawyer suitable for your needs.


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To keep away from the bothersome criminal allegations


Criminal allegations may bring you numerous issues including a colossal measure of fines, punishments and have a gigantic effect on your own, social and individual life. In this way, to maintain a strategic distance from these unwanted and wrong results, one looks for the legitimate direction of a criminal barrier lawyer who realizes the lawful framework well and can help in bringing down punishments or fines.

The role of the criminal defense lawyer

 Nonetheless, numerous individuals don’t think unmistakably about the real jobs and duties of the Austin criminal defense attorney. The criminal resistance zone is one of the difficult regions of the law for ensuring rights and requires exceptional aptitudes.

  • Evaluating the case: A legal advisor must survey the case appropriately. Regardless of whether there is a deficiency of the customer, he should attempt to diminish the fines or punishments by surveying the case appropriately.
  • Dealing with unpleasant circumstances: An attorney must have the option to deal with a distressing circumstance. A barrier lawyer may have fluctuating working hours. He may need to go to circumstances and procedures of the cases at a sudden time and in a perfect world, he should be arranged and ready to commit himself to his obligations.
  • Gathering legitimate data: A legal advisor should gather appropriate data to help the customer either reduce bills or fines. Legitimate data may prompt the achievement of the case.

To safeguard yourself prefer criminal defense lawyer

On the off chance that you under scrutiny or deal with indictments for a criminal offense, you need an accomplished Austin criminal defense attorney— and the sooner the better. Your opportunity and future might be in danger. The outcomes of a criminal record can influence your life and work for a long time to come. You ought to consistently know about such a basic issue, that hampers your future. It is smarter to step forward to err on the side of caution.


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 5 Advantages of Hiring a Personal Injury Attorney



You met an accident because of someone else fault even in this condition you are supposed to take the services of It does not matter whether the other person or you do not have any noticeable injuries. Most of the car accident lawyers offer a free evaluation; you can take advantage of this.

Less stress

If you are not aware of the law, then filing an insurance claim for personal injury becomes complicated. Most of the time people are confused because they do not know how to complete the insurance file with all the necessary documents in it. In addition to this, they face physical and mental trauma. In this situation, a reputable lawyer will simplify the process and taking important decisions on your behalf. You will get freedom from worries and get time to recover from injuries.

You will get a better insurance claim

If you get late in filing the claim for your injuries, then you may not get the right compensation. Generally, people are not aware of personal injury laws and this benefits insurance companies. An experienced lawyer will help you to get the highest possible settlement for your injuries whether it is because of someone else negligent driving or using a faulty product.

Legal processing

You are injured and in this situation, you cannot move from one office to another to gather relevant information and documents. After hiring an experienced personal injury lawyer, you will get the proper time to recover. Hiring the services of ensures that you will get better compensation than you would pursue the case by yourself.

Motivation and confidence

If you are not aware of legal proceedings and state laws about personal injuries, then it is obvious that you will lose your motivation and confidence in the process. In the absence of proper motivation, you are most likely to settle down for a much lower settlement for your injuries. The legal proceedings are complicated and tiring. This may frustrate people; this makes them settle down for a low amount. An attorney will not only build your confidence, but he will help you to stay motivated and strong in this situation.

He will take your case to trial

Most of the personal injury cases are settled out of the court, but in some situations, you need to move to the court. If after an accident you are pondering over to take the services of an injury lawyer, then you are decreasing the amount of your insurance claim with every passing day.


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Troubles Came From The Road


There are many reasons behind car accident; even it is a safe vehicle there are several possibilities which causes accidents. They are distracted driving like texting or calling while driving, drive after using drugs or alcohols, sleeping during drive in late nights, violating traffic rules, high speed drive, maintenance problems of car like break, tier, airbags or other essential part become non function and pathetic conditions of roads etc.

Contact the comfort zone if you are in trouble

When you become an accident victim you face both physical problems and financial problems and also legal formalities. When you are in a physically weak condition it is very difficult to handle more responsibilities and face other problems. May we have many friends and relatives to consoling you but they have certain limitations or sometimes they don’t kwon how to handle the situations or don’t know about legal formalities and also sometime legal process cause money loss and take too long time for justice. In such situations we need helps from experts. Rockford Car Accident Lawyer is the best team in this field. They give a comfort zone to you in your critical situation. They take appropriate action to help you. They provide support of very talented and experienced lawyers to you at your budget.

They comfort you

Our team helps you to identify the cause of car accident and find out the proper solution for that. Sometimes insurance companies deny or delay to give you your money, like this time our team gives you legal support to you. People contacts for their cases because it makes them relief from long legal process and give a clear path in these situations. The team makes their clients very comfortable and stress free. They only charge fee from you if they completely settle your case, so it avoid usual money loss in the legal process.

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