Hardships can happen to anyone, at any time. As a bankruptcy attorney, I help my clients deal with their debts and gain them new financial beginnings.
I have been assisting Maryland residents dealing with a number of debt problems for decades. As a former bankruptcy trustee, I know what perspective the “other side” of a bankruptcy case will take and the questions they will ask. With this knowledge, I can effectively prepare your Chapter 7 or Chapter 13 bankruptcy petition. If we discuss your financial situation and bankruptcy is not your best interest, I can also seek other debt relief methods. This includes loan modifications for mortgages through the Home Affordable Refinance Program (HARP) or Home Affordable Modification Program (HAMP), seeking possible debt forgiveness or reductions for student loans and other possible options.
For every individual, family or small business I work with, it is my goal to find the best legal solution available to help minimize debt and achieve the financial stability my clients deserve. I am able to work with those facing:
• Serious debt from credit cards or medical bills
• Home foreclosure
• Overwhelming student loans or car loans
• Mortgage arrears
• Back taxes
• Wage garnishment
It is in your best interest to reach out to an attorney as soon as possible to make sure you avoid common mistakes homeowners and individuals with debt can make. My team and I know how to file what needs to be filed on your behalf, and can advise you about what to expect during and after the legal process. I can also assist those seeking citizenship or permanent residency. I offer a free half hour consultation over the phone or in person, so take charge of your finances and call me today at (240) 688-9000. If Spanish is your primary language, know that you are welcome to call—my staff includes native Spanish speakers
Public records that can appear on your credit report include #bankruptcy , judgment, or a tax lien. As the record gets older, it hurts your credit score less.
thebalance.com Certain public records are extremely difficult to remove from your credit report and can have a devastating effect on your score.
Despite the hardships you’ll endure after declaring a bankruptcy, there are several ways you can bounce back.
bankrate.com Bankruptcy will cloud your credit, but you can recover. It takes time and discipline, but it isn’t unthinkable.
If you lose a lawsuit to a creditor and the amount you owe is too high for you to pay, you might consider filing for bankruptcy. When you file, collection efforts against you will be automatically halted.
wisebread.com When a creditor takes you to court your best defense is preparation.
Understanding what bankruptcy is, how it impacts your finances and the advantages and disadvantages can help you survive and recover from this financial shakeup.
money.usnews.com Understand the impact bankruptcy will have on your finances – and how to recover.
Client review posted on Yelp today:
Jillian was excellent - handled a rather complicated bit of legal work effortlessly and managed to help get everything cleaned up and back on track after my divorce left my credit and bill situation in a complete train wreck! Thanks Jillian! Highly recommend!
This is the No. 1 reason Americans file for bankruptcy - and it’s not usually avoidable
msn.com Two-thirds of people who file for bankruptcy say medical bills or other issues related to illness contributed to their financial downfall. One big reason: Their health insurance wasn't enough.
Income based repayment of student loans can help in the short run, but there are some downsides going forward
forbes.com Income based repayment is a lifeline for many, but there are some major pitfalls.
what is a debt buyer— can I settle with them for 10 cents on the dollar?
My credit score improved by 49 points in two months- how did I do it?
I paid down a store credit card by $60 and a secured credit card by $50 which lowered my credit usage percentage- see more ways to improve your credit score
creditkarma.com You can lower your credit card utilization by paying down your balance early or increasing your credit limit. Also why does low utilization matter?
My priority is being a compassionate lawyer:
jeenacho.com Being a “good lawyer” requires more than the ability to get the facts, apply the applicable law, analyze and advocate for your client’s position.
Do we want more no matter how much wealth we have?
Lauren Greenfield’s postcard from the edge of the American Empire captures a portrait of a materialistic, workaholic, image-obsessed culture. Simultaneously ...
dcist.com The bill requires judges to stay any motion of eviction, foreclosure, or repossession against federal workers during a shutdown and for 30 days after.
moneyunder30.com Payment apps make paying for your purchases, or splitting a bill easier than it's ever been. These 10 apps offer something for everyone.
Paying your mortgage should be a priority over other bills, including cell phone and credit card bills, if you become 2 months overdue your lender can return your payment and put your home into foreclosure status
Save your home
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When will it end...
news.yahoo.com WASHINGTON ― Democrats on Wednesday introduced legislation that would give
washingtonpost.com In suburban Maryland, government employees brace for missing a paycheck on Friday.
Federal contract workers may not get back pay
abcnews.go.com After the shutdown, federal employees could get back pay. Contractors have to make up for lost income.
Mortgage services are working with furloughed fed workers:
nationalmortgagenews.com As the government shutdown enters its third week, mortgage servicers are activating the response plans they normally use during hurricanes and wildfires to assist federal workers who may have trouble paying their mortgages.
creditcards.com With all the bad press payday loans get, you'd think people would steer clear of them. But the lure of fast cash keeps them coming
The shutdown is effecting court deadlines-
law.com Here's what U.S. Justice Department lawyers are telling judges: Although we greatly regret any disruption caused to the court and the other litigants the government hereby moves for a stay of all proceedings in this case.
To all my friends and clients 🎄🎄🎄
Justice is the word of the year- along with misinformation- what’s your word?
washingtonpost.com Stories about the Russia investigation and the Kavanaugh hearings kept the word in the public consciousness throughout the year, the online dictionary noted.
Wishing you a Merry Christmas from my family to yours.
So grateful for my kids Katie & Russ and my dog Popper.
Thank you Martindale Hubbell for the AV PREEMINENT Rating:
On my way to Charlotte today- 🍃🍂🍁
Amazon has free shipping for the holidays- what about those who paid for Prime membership:
I’m grateful for my clients-
Five star review
Review Score: 5
Review Feedback: Jillian is a professional Lawyer that I would use again. Everytime I needed some advice she was there for me.
6 foot long receipt from CVS- I can relate
patch.com She reportedly only purchased three items.
Don’t be fooled! I’ve been getting phone calls almost daily from this phone number 202-833-7500. I don’t even have a Pepco account. It’s reported as a fraud on the Pepco website.
pepco.com Pepco has seen an increase in reports of individuals calling Pepco customers and falsely claiming their electric or gas service will be disconnected unless payment is made. These impersonators instruct customers to buy a prepaid credit card and call back to a different phone number with the persona....
Tax Court ordered Wesley Snipes to pay the IRS
forbes.com Actor Wesley Snipes still owes the Internal Revenue Service (IRS) millions after the U.S. Tax Court has rejected his bid to reduce his tax debt.
HAMP has ended but loan modifications are still available under the Flex Modification program
Passport office more accessible
WHAT AGE CAN YOU BUILD A CREDIT SCORE?
I was talking to my daughter, age 19, this weekend and she said her credit score is in the mid 600’s. A favorable credit score is 700 or more. It occurred to me- what age can you start to build a credit score and what is the best way to do it? Now I don’t want to encourage college age young adults to get credit cards, but it may be important to have one low balance credit card, wirh a limit of $500 or less in order to establish your credit.
cbsnews.com Current regulations mean parents will likely have to lend a hand, but how exactly will depend on several things
If you want to build a credit score taking out a credit card and using it monthly and paying it off- is the best way to build a score
doughroller.net Building credit doesn't require taking on massive amounts of debt. Here are 4 ways to improve your credit score without loans or credit cards.
Former retail giant and “everything” store fils bankruptcy-will they survive?
wsj.com Sears, a retail pioneer that shaped America’s 20th-century expansion, became distracted by shifting strategies until the internet and a CEO’s unorthodox strategies brought about its end.
When to hire an attorney for debt settlement:
nolo.com If you need help negotiating with creditors, it's usually better to hire a lawyer or do it on your own, rather than hire a debt settlement company.
The IRS will not call you to collect taxes, and they do not accept payment by phone, by PayPal, or google pay. https://www.irs.gov/newsroom/irs-repeats-warning-about-phone-scams
irs.gov IR-2014-81, Aug. 13, 2014 — The IRS and TIGTA continue to hear from taxpayers who have received unsolicited calls from individuals demanding payment while fraudulently claiming to be from the IRS.
Can you record that phone call?
dmlp.org If you plan to record telephone calls or in-person conversations (including by recording video that captures sound), you should be aware that there are federal and state wiretapping laws that may limit your ability to do so. These laws not only expose you to the risk of criminal prosecution, but als...
Can you stop those annoying robo calls?
nolo.com The Telephone Consumer Protection Act (TCPA) places restrictions on robo calls and prerecorded messages made by telemarketers and debt collectors.
Me and my pup Brisa - a Portuguese Water Dog.
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Mediation and Arbitration Government Relations; Litigation Bankruptcy
Goren & Tucci, LLC is dedicated to providing real solutions for honest individuals and businesses who are facing financial difficulties.
The Gohari Legal Group represents clients in bankruptcy, corporate, litigation, estate planning, family, immigration and real estate matters in Maryland.
We solve serious tax and financial problems - Trusted Financial & Tax Resolution Attorneys Fried & Rosefelt, LLC,