30 Sep 2025

How Does the Chapter 13 Repayment Plan Work? A Complete Guide

by Jeffrey M. Sirody

When financial challenges become overwhelming, bankruptcy can offer a much-needed path forward. For many Maryland residents, Chapter 13 bankruptcy is an attractive option because it allows you to restructure your debts rather than eliminate them outright. Unlike Chapter 7 bankruptcy, which involves liquidating non-exempt assets, Chapter 13 is often referred to as a “wage earner’s […]

Man holing paper with the words "Repayment Plan" printed on it.
16 Sep 2025

Will I Lose My Tax Refund If I File for Chapter 7 Bankruptcy?

by Jeffrey M. Sirody

Tax refunds play a critical role in the financial stability of many households. For some, they represent the chance to catch up on overdue bills or pay for essential living expenses. When you’re facing overwhelming debt, the thought of losing this financial resource can feel daunting. Understandably, one of the first questions people ask when […]

closeup of the words "tax refund"