Wampler & Souder, LLC
Silver Spring:
240-833-2284
Frederick:
301-668-5111
Upper Marlboro:
301-736-5432

December 2013 Archives

Bankruptcy Cannot Eliminate All Debt.

Filing for bankruptcy gets rid of most, but not all types of debt. A Chapter 13 bankruptcy can get rid of more types of debt than a Chapter 7 bankruptcy but neither is guaranteed to clear all debt. Debt that cannot be gotten rid of is called "non-dischargeable" debt. Below is a description of the most common non-dischargeable debt.

Understanding Construction Insurance

Before getting involved with a contractor, it is important that you make sure that contractor is insured. However, the statement that a contractor is "insured" is a vague phrase and what really matters is the type of insurance and the language of the policy. Below is a brief primer:

Reducing Mortgages and Car Loans during Bankruptcy

Filing bankruptcy eliminates unsecured debt and can even eliminate personal responsibility for secured debts (i.e car loans and mortgages) but it cannot eliminate liens. In other words, it generally doesn't stop a lender, who you have signed an agreement with pledging your car or house as collateral (i.e. mortgages and car loans), from selling your car or house to pay its debt.

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Frederick Office
170 West Patrick Street
Frederick, Maryland 21701

Phone: 301-668-5111
Fax: 301-668-2770
Frederick Law Office Map

Silver Spring Office
12114B Heritage Park Circle
Silver Spring, Maryland 20906

Phone: 240-833-2284
Fax: 301-942-8296
Silver Spring Law Office Map

Upper Marlboro Office
14452 Old Mill Road
Suite #301
Upper Marlboro, Maryland 20772

Phone: 301-736-5432
Upper Marlboro Law Office Map