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What Debts Cannot Be Discharged in Chapter 7 Bankruptcy? Filing for Chapter 7 bankruptcy can offer much-needed financial relief for individuals overwhelmed by debt. However, while Chapter 7 bankruptcy can discharge many unsecured debts, not all debts can be wiped away. Understanding which debts can and cannot be discharged in 2025 is critical for anyone […]

What Should You Not Say to a Creditor While Filing for Bankruptcy Filing for bankruptcy is a challenging time, often filled with financial stress and tough decisions. One of the most important aspects of navigating the process is how you interact with creditors. What you say during these conversations can have a significant impact on […]

Differences Between Personal Bankruptcy and Business Bankruptcy Bankruptcy is a legal process designed to help individuals or businesses in financial distress get relief from debts they cannot repay. However, the type of bankruptcy you file for depends on whether you are an individual or a business. Understanding the differences between personal bankruptcy and business bankruptcy […]

Should I Apply for Bankruptcy Over the Summer or Wait Until Fall? Deciding when to file for bankruptcy is a significant decision that can have long-lasting effects on your financial future. Timing your bankruptcy filing can impact various aspects of the process, from the speed of resolution to the seasonal financial obligations you might face. […]

Can I Buy Baseball Tickets When Filing for Bankruptcy?  Filing for bankruptcy is a significant step towards financial recovery, and it often comes with many questions about what you can and cannot do during the process. One common question is whether you can continue enjoying leisure activities, such as buying baseball tickets. This article will […]

Homeowners Associations (HOAs) play a vital role in maintaining the standards and amenities of residential communities. However, failing to keep up with HOA dues and assessments can lead to serious financial consequences, including the placement of an HOA lien on your property. In this blog, we’ll explore what an HOA lien is, how it can […]

What Happens When an HOA Forecloses on a Property in Maryland? Understanding HOA Liens Definition and Basis for Liens An HOA lien is a legal claim against your property when you fail to pay the required assessments, fines, interest, or collection costs to your Homeowners Association (HOA). These charges can accumulate quickly, leading to significant […]

Facing mounting debt can be overwhelming, and you’re not alone in weighing your options. You may even be asking yourself the question should I file for bankruptcy or go to credit counseling? This decision requires careful consideration of your unique financial situation, goals, and the pros and cons of each path. In this article from […]

Can an Employer Refuse to Hire Me Because of a Bankruptcy in Maryland? If you’ve gone through bankruptcy, you may be wondering how this will affect your job prospects. Will potential employers judge you negatively, or even refuse to hire you based on your financial history? In Maryland, it’s crucial to know your rights regarding […]

Filing for bankruptcy is often viewed as a last resort for those struggling with unmanageable debt. However, in many cases, it can also offer a variety of unexpected benefits that can provide a fresh financial start. The Law Offices of Nicholas J Del Pizzo, a bankruptcy lawyer in Baltimore, MD, specializes in bankruptcy law and […]