Maryland Bankruptcy Guidelines 

Christman & Fascetta LLC

Find a Path Toward Financial Freedom

Dealing with overwhelming debt can feel stressful, but you don't have to navigate it alone. Bankruptcy is a legal solution that may help individuals and families reduce or reorganize debt while creating an opportunity for a stronger financial future. At Christman & Fascetta LLC, we've filed more than 35,000 successful bankruptcy cases and have spent 36 years helping clients throughout Maryland find effective debt relief solutions. Recognized as Maryland's Best Bankruptcy Law Firm and ranked among the top 100 bankruptcy firms in America, our experienced team is committed to helping you understand your options and make informed decisions about your future.


We believe every financial situation deserves a personalized approach. That's why we take the time to listen, evaluate your circumstances, and recommend solutions tailored to your needs. With four convenient locations, virtual appointments available, and same-day consultations offered whenever possible, we're ready to help you take the first step toward financial relief. Contact Christman & Fascetta today to schedule a consultation and learn which bankruptcy options may be right for you.

Common Types of Bankruptcy

  • Chapter 7 Bankruptcy

    Often referred to as a liquidation bankruptcy, Chapter 7 may allow eligible individuals to eliminate certain unsecured debts, such as credit card balances and medical bills. For those who qualify, it can provide a relatively fast and effective way to achieve meaningful debt relief and start moving forward.

  • Chapter 13 Bankruptcy

    Chapter 13 bankruptcy allows individuals to reorganize their debt through a court-approved repayment plan. This option may be appropriate for those who want to catch up on overdue payments, protect valuable assets, or create a structured path toward becoming debt-free while maintaining financial stability.

What Happens After Filing?

Filing for bankruptcy may trigger important legal protections that can help reduce financial pressure and provide immediate peace of mind. Depending on your circumstances, bankruptcy can temporarily stop:


  • Creditor collection calls
  • Collection notices and letters
  • Wage garnishments
  • Certain legal actions and lawsuits
  • Foreclosure proceedings
  • Vehicle repossession efforts


The specific protections available will depend on your individual financial situation and the type of bankruptcy filed. Our team will explain what protections may apply in your case and guide you through every step of the process.

Is Bankruptcy the Right Choice?

Every financial situation is unique, which is why it's important to carefully evaluate all available options before making a decision. If you're struggling with debt, facing aggressive collection efforts, or concerned about your financial future, bankruptcy may offer the relief you're seeking. Christman & Fascetta provides experienced, compassionate guidance designed to help you understand your options and determine the best path forward.


As a family-owned firm established in 2003, we are proud to provide personalized service, flexible payment plans for most cases, and convenient payment options including cash, check, and money order. Many cases are filed within days and completed in approximately four months, helping clients begin rebuilding their financial future sooner. Schedule your same-day consultation with Christman & Fascetta today and discover how our experienced team can help you pursue a fresh financial start.