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For a brief overview of the bankruptcy process view this video. Please note that I am not affiliated with the legal aid society of Kentucky  and the video is presented for informational purpose only.

Chapter 7 Bankruptcy

chapter 7 bankruptcy is also known as fresh start bankruptcy. This is because a successful chapter 7 bankruptcy allows debtors to discharge most types of personal debts including income taxes that fall within certain criteria. Therefore, once the debtor emerges from bankruptcy he or she is likely to have a clean slate in terms of debt. Student loans are still largely non-dischargeable in bankruptcy which means that for significatn number of debtors they still have to pay those off. But there is good news in that student loans serviced bythe Department of Education offer a variety of payment plans that may offer some relief. A chapter 7 bankruptcy will get rid of credit card debt, personal loans, medical bills, apartment lease debt and repossession deficiencies.

To be eligible for a chapter 7 you must earn less than the median income of  your household as published by the U.S. Trustee’s office or pass the means test if you earn more.


Chapter 13 Bankruptcy

Also known as an income earner’s bankruptcy, a chapter 13 bankruptcy is a reorganization plan that buys the debtor anywhere from 3 to 5 years to pay back his debts. This is a powerful tool that has helped many homeowners save their homes from foreclosure by paying the arrears over time. It also helps debtors who make over the median income but still find themselves with too much. For example, a single individual making $100K per year but facing $60K in unsecured debt such as credit cards, medical bills and perosnal loans can alleviate the burden of that debt in a chapter 13 if he fails to qualify for a chapter 7.

One of the key ways of eastablishing how mcuh a chapter 13 debtor has to pay his creditors is the disposable monthly income. The DMI is calculated using the means test form also known as Chapter 13 Statement of Current Monthly Income and Calculation of Committment period.

If you make less than the median income then your plan can be 3 years long. You must propose a 5 year plan if you make more than the median income unless you are paying 100% of the debt. As a Towson bankruptcy lawyer, I work with individuals and couples from all walks of life file chapter 13 bankruptcy to stop foreclosure and pay the mortgage arrears over time.


Talk to a lawyer for free at 410-849-9529



You have agonized about it for awhile, but you are now ready to make a drastic change. May be you already took the first steps and are now living separate and apart from your spouse. A knowledgeable Towson divorce lawyer can be a resource and advocate during the separation and divorce case.  Do not wait until it is too late to seek advice. 

Custody and Child Support

After we seaprate, who will take care of the children? How about after the divorce, do you have a custody and visitation plan in plan? The children are going to need a roof over their head, food on the table clothes on their back, health insurance and a million other things. How are you going to provide for them? 

Divorce cases are already stressful enough without a fight over children, hence, it is prudent to work with a knowledgeable divorce lawyer to act as a resource and advocate. 

Talk to a lawyer for free at 410-849-9529



Do you have a minor traffic violation or a  DUI/DWI? Are you facing jail time or points? Call me to aggressively investigate the case and mitigate the consequences.  


 Personal Injury

Have you being injured due to someone else’s mistake? Whether its a car accident, motorcycle accident, truck accident, medical malpractice or nursing home negligence, I can help you investigate and enforce your right. Do you have a case, call 410-849-9529.

General litigation

Small business: Is that contract dispute giving you a headache?

Talk to a lawyer for free at 410-849-9529

Disclaimer:The content of this website is provided for informational purposes only and cannot be construed as legal advice.  No Attorney-Client Relationship Created by Use of this Website. Neither your receipt of information from this website, nor your use of this website to contact Joseph K. Githuku creates an attorney-client relationship.