Loch Lynn Heights Bankruptcy Lawyer, Maryland

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Stephen Cromwell
About | Practice Areas
Cromwell & Associates, LLC
7305 Baltimore Ave Suite 307 College Park, MD 20740» view map
Estate, Tax, and Real Estate Law
Where Every Client Matters

At Cromwell & Associates, our firm is large enough to handle your diverse needs, but small enough to give you the personal attention you deserve.

240-667-7234
1. Stephen Cromwell College Park, MD
  Attorney at Law, MD
  University of Maryland School of Law, J.D. 2019
2. AboutCromwell & Associates, LLC
  Where Every Client Matters
3. Practice AreasExpertise
  Estate Law
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2. Email
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Includes: Bankruptcy Litigation, Commercial Bankruptcy, Consumer Bankruptcy, Dissolution

Arnold F. Phillips

Other, Family Law, Bankruptcy, Accident & Injury

Status:

CONTACT

Mc Henry, MD 21541

Maria Christina Borromeo Gonzaga

Lawsuit & Dispute, Criminal, Commercial Bankruptcy, Bankruptcy & Debt

Status: Licensed: 27 Years

CONTACT

957 National Hwy, Cumberland, MD 21502

Terri Ann Lowery

Power of Attorney, Collection, Commercial Bankruptcy, Bankruptcy & Debt, Family Law

Status:

CONTACT

323 Paca St, Cumberland, MD 21502

Marcia R Conrad

Public Interest Law, Family Law, Consumer Rights, Consumer Bankruptcy

Status: Licensed: 45 Years

CONTACT

110 Greene Street, Cumberland, MD 21502

Edward Michael Delaney

International, Estate, Commercial Bankruptcy, Bankruptcy & Debt

Status: Licensed: 14 Years

CONTACT

29 Prospect Sq, Cumberland, MD 21502

Seth Brandon D'Atri

Lawsuit & Dispute, Consumer Protection, Bankruptcy

Status: Licensed: 16 Years

CONTACT

323 Paca St, Cumberland, MD 21502

Michael Scott Cohen

Art, Industry Specialties, Family Law, Commercial Bankruptcy

Status: Licensed: 33 Years

CONTACT

213 Washington St, Cumberland, MD 21502

Stephen Dean Claussen

Consumer Bankruptcy, Bankruptcy & Debt

Status: Licensed: 26 Years

CONTACT

110 Greene St, Cumberland, MD 21502

Ramon Rozas

Estate, Employment, Divorce & Family Law, Criminal, Bankruptcy

Status: Licensed: 30 Years

CONTACT

201 Washington Street, Cumberland, MD 21502

G Gary Hanna

Education, Other, Consumer Bankruptcy

Status: Licensed: 47 Years

CONTACT

71 Prospect Sq, Cumberland, MD 21502

800-814-6700

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LEGAL TERMS

GUARANTOR

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. T... (more...)

A person who makes a legally binding promise to either pay another person's debt or perform another person's duty if that person defaults or fails to perform. The guarantor gives a 'guaranty,' which is an assurance that the debt or other obligation will be fulfilled.

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working fo... (more...)

A federal law that outlaws unfair debt collection practices, including lying, harassing, misleading and otherwise abusing debtors, by debt collectors working for collection agencies. The law does not apply to creditors collecting their own debts. This law has greatly improved conditions for debtors, although more than a few debt collectors ignore the law. If a collection agency violates the law, debtors can contact the Federal Trade Commission for help.

DISCHARGEABLE DEBTS

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bill... (more...)

Debts that can be erased by going through bankruptcy. Most debts incurred prior to declaring bankruptcy are dischargeable, including back rent, credit card bills and medical bills. Compare nondischargeable debts.

NO-FAULT INSURANCE

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain ... (more...)

Car insurance laws that require the insurance companies of each person in an accident to pay for medical bills and lost wages of their insured, up to a certain amount, regardless of who was at fault. The effect of no-fault insurance laws is to eliminate lawsuits in small accidents. The advantage is the prompt payment of medical bills and expenses. The downsides are that the amounts paid by no-fault policies are often not enough to fully cover a person's losses and that no-fault does not compensate for pain and suffering.

COLLECTION AGENCY

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the d... (more...)

A company hired by a creditor to collect a debt that it is owed. Creditors typically hire a collection agency only after they have made efforts to collect the debt themselves, typically through letters (called 'dunning' letters) and telephone calls. Collection agencies are regulated by the federal Fair Debt Collection Practices Act. Unfortunately, too many collectors ignore this law.

401(K) PLAN

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income ... (more...)

A deferred compensation savings program in which employees invest part of their wages, sometimes along with employer contributions, to save on taxes. No income taxes on the amount invested and any earnings are due until the employee withdraws money from the fund.

UNDUE HARDSHIP

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in t... (more...)

The circumstances in which a debtor may discharge a student loan in bankruptcy. For example, a debtor who has no income and little chance of earning enough in the future to pay off the loan may be able to show that repayment would be an undue hardship.

CURRENT MONTHLY INCOME

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding... (more...)

As defined by the new bankruptcy law, a bankruptcy filer's total gross income (whether taxable or not), averaged over the six-month period immediately preceding the bankruptcy filing. The debtor's current monthly income is used to determine whether the debtor can file for Chapter 7 bankruptcy, among other things.

CREDIT REPORT

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you m... (more...)

An account of your credit history, prepared by a credit bureau. A credit report will contain both credit history, such as what you owe to whom and whether you make the payments on time, as well as personal history, such as your former addresses, employment record and lawsuits in which you have been involved. An estimated 50% of all credit reports contain errors, such as accounts that don't belong to you, an incorrect account status or information reported that is older than seven years (ten years in the case of a bankruptcy).

SAMPLE LEGAL CASES

ATTORNEY GRIEVANCE COM'N v. Byrd

... But under no circumstances can counsel simply violate the Rules as a litigation strategy. With regard to the bankruptcy complaint, Judge Rubin made the following pertinent findings of fact and conclusions of law: 23. ... The Bankruptcy Complaint. ...

Wellington v. Shakiba

... 5. That pursuant to said deed of trust and commercial balloon note, the defendants were obligated to repay said loan. . . . On December 9, 2005, Ms. Shakiba, through counsel, filed a "Notice of Filing of Case in Bankruptcy Court." It stated: ...

Ali v. CIT

... On June 11, 2001, appellant filed a chapter 11 petition in bankruptcy in the United States Bankruptcy Court for the District of Maryland. Appellee could not pursue its claim outside of the bankruptcy proceeding because of the automatic stay provision in 11 USC Â§ 362. ...

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Loch Lynn Heights Bankruptcy Lawyer, Maryland

Sponsored Law Firm

Cromwell & Associates, LLC

SPONSORED LAWYERS

Arnold F. Phillips

Maria Christina Borromeo Gonzaga

Terri Ann Lowery

Marcia R Conrad

Edward Michael Delaney

Seth Brandon D'Atri

Michael Scott Cohen

Stephen Dean Claussen

Ramon Rozas

G Gary Hanna

TIPS

LEGAL TERMS

GUARANTOR

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

DISCHARGEABLE DEBTS

NO-FAULT INSURANCE

COLLECTION AGENCY

401(K) PLAN

UNDUE HARDSHIP

CURRENT MONTHLY INCOME

CREDIT REPORT

SAMPLE LEGAL CASES

ATTORNEY GRIEVANCE COM'N v. Byrd

Wellington v. Shakiba

Ali v. CIT

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