Columbia Legal Issues Blog

What are the benefits of filing Chapter 13 bankruptcy?

There are multiple kinds of bankruptcy available for individuals, ranging from Chapter 12 bankruptcy for fishermen and farmers to Chapter 7 bankruptcy for those with low income and few assets. If you have a good job or substantial personal wealth but still have a high level of debt, then Chapter

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The role of negligence in slip-and-fall claims against a business

In order to bring a claim against an individual or business, there typically need to be certain qualifying factors. For example, if you want to bring a slip-and-fall claim against a business where you fell and got hurt, you will naturally need to prove that the incident happened and then demonstrate the

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How much home equity can you protect in a Maryland bankruptcy?

For those dealing with unsustainable levels of debt compounded by lower-than-average household income, Chapter 7 bankruptcy can be a critical source of financial relief. Chapter 7 proceedings allow people to discharge unsecured debts like medical debt and credit card balances without having to complete a repayment period first, as is

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The 4th of July saw 19 DUI crashes in Maryland

The Fourth of July has always been a holiday focused around celebrating. For many people, that includes sharing some alcoholic beverages with friends and family members. Every year, that means that people get arrested on DUI charges, often as they try to drive home. This year was no exception in

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What is an underride accident?

What is an underride accident? Car accidents involving large vehicles often put those in smaller vehicles in far greater danger. Physics simply determines that smaller vehicles tend to suffer greater damage and that extends to those riding inside of them. One of the most dangerous types of accidents is known

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Will calling an ambulance lead to bankruptcy?

There are many stories of people refusing to call an ambulance because they do not know how they would cover the cost of a ride to a medical center. Some of them seek other means of transportation or even try to drive themselves to the hospital. But is this financial

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Does Medical Debt Lead to Bankruptcy?

Medical care in the United States is expensive. Even some individuals who have decent insurance find that the co-pays, deductibles and uninsured costs are expensive. It isn’t really surprising that medical debt is the top reason why people consider either filing for bankruptcy or taking money out of their retirement accounts. There

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Do you qualify to file for Chapter 7 bankruptcy in Maryland?

Even those with good jobs, a home and a strong sense of responsibility can wind up in a financially precarious position where they feel like they have to file for bankruptcy due to overwhelming debt. Of all of the different forms of personal bankruptcy available, Chapter 7 bankruptcy is arguably

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Don’t think of bankruptcy as a moral decision

People sometimes avoid filing bankruptcy for the simple reason that they feel bad about it. They consider filing bankruptcy to be a moral failing — they borrowed the money, so isn’t it wrong of them to use a financial tool that makes it so they do not have to pay

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