Personal Bankruptcy

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Personal Bankruptcy

Experienced Debt Relief Representation

You should not have to worry about bills you simply cannot afford to pay. At McNamee Hosea our bankruptcy lawyers have more than 30 years of experience helping clients climb out of debt. We are committed to applying our background in Chapter 7 or Chapter 11 Bankruptcy to help you regain control of your financial situation.

Debt Liquidation Through Chapter 7

A Chapter 7 filing is often referred to as liquidation bankruptcy. In effect, this means that certain assets will be liquidated and your entire debt will be discharged. There are a number of exemptions to assets that are subject to liquidation. Many people discharge most forms of consumer debts, including credit card bills, medical bills and other unsecured debts. 

Through exemptions and debt reaffirmation, people are often able to save many of their most prized assets while discharging most debts. 

During an initial consultation, our experienced Chapter 7 bankruptcy attorneys can develop a plan that can exempt your home, vehicles and household goods from repossession. Filing for Chapter 7 bankruptcy relief also puts an almost immediate end to creditor harassment and wage garnishments, as an an automatic stay on further collection activity is placed on most creditors that halts collection calls, auto repossessions, home foreclosure and wage garnishments. Only a limited number of creditors, such as child support obligees, are exempt from the stay of further collection efforts.

Helping You Get the Fresh Start You Deserve

There is a stigma surrounding bankruptcy. Many people think that this means that you are simply irresponsible with your finances. The fact is, people fall behind on payments for a number of reasons, such as unforeseen medical expenses not covered by insurance or never recovering from a financially bruising divorce. Bankruptcy is best thought of as a fresh start to put you on the road back to financial recovery. Let the debt relief attorneys at McNamee Hosea help you relieve your financial burden.

Decades of Experience Helping Clients Gain a Fresh Financial Start

Although consumer bankruptcy is not the right answer for everyone, it has helped millions of people like you find a new path to a brighter financial future. Through a Chapter 7, you may be able to:

  • Eliminate or reduce your debts
  • Gain additional time to repay old debts
  • Stop a home foreclosure
  • Stop a wage garnishment
  • Stop creditor harassment

Despite the changes to the U.S. Bankruptcy Code in 2005, most people who contact our office are eligible for Chapter 7 bankruptcy relief. At your consultation, we can discuss the eligibility requirements and what is best for you.

Contact Our Personal Bankruptcy Attorneys Today

Get help — not judgment. If you are struggling with the burden of unmanageable debt, the experienced bankruptcy attorneys at the Maryland law firm of McNamee Hosea can help. For more than 30 years, our attorneys have helped individuals find solutions to overwhelming levels of debt. Contact us to see how one of our personal debtor attorneys can advise you of your rights, explain the bankruptcy process and answer any of your questions. Call to set up a consultation in Greenbelt or Annapolis, Maryland. Our bankruptcy lawyers are also available to meet with you in Alexandria, Virginia.


We are a debt relief agency. We help clients file for bankruptcy relief under the Bankruptcy Code.


Related Attorneys

  • Craig M. Palik
  • Janet M. Nesse
  • Christopher L. Hamlin
  • James M. Greenan
  • Steven L. Goldberg
  • Justin P. Fasano

Serving clients throughout Maryland, DC & Virginia.

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