Riva 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

Stanley J. Samorajczyk

Contract, Business, Bankruptcy, Bankruptcy & Debt

Status: Licensed: 58 Years

CONTACT

888 Bestgate Road, Annapolis, MD 21401

Diana Lee Klein

Real Estate, Estate Administration, Corporate, Bankruptcy, Estate

Status:

CONTACT

2450 Riva Rd, Annapolis, MD 21401

Carolyn Gilden Krohn

Commercial Bankruptcy, Bankruptcy & Debt, Consumer Bankruptcy

Status: Licensed: 34 Years

CONTACT

2521 Riva Rd, Annapolis, MD 21401

Daniel Alan Staeven

Commercial Real Estate, Foreclosure, Business & Trade, Bankruptcy, Business

Status:

CONTACT

839 Bestgate Rd, Annapolis, MD 21401

H Douglas Schenker

Commercial Bankruptcy, Entertainment

Status: Licensed: 45 Years

CONTACT

133 Defense Hwy, Annapolis, MD 21401

April Richardson

Bankruptcy, Foreclosure, Immigration, Real Estate

Status:

CONTACT

900 Bestgate Road, Annapolis, MD 21401

Glen Leland Rotner

Wills & Probate, Elder Law, Business, Consumer Bankruptcy

Status: Licensed: 51 Years

CONTACT

1248 Algonquin Rd, Crownsville, MD 21032

Samuel H Paavola

Motor Vehicle, Pension & Benefits, Divorce & Family Law, Criminal, Consumer Bankruptcy

Status: Licensed: 50 Years

CONTACT

1 Willow St, Annapolis, MD 21401

David G Ellerton

Estate, Divorce & Family Law, Commercial Bankruptcy, Bankruptcy & Debt

Status: Licensed: 58 Years

CONTACT

419 Halsey Rd, Annapolis, MD 21401

F Joseph Gormley

Litigation, Products Liability, Consumer Bankruptcy, Other

Status: Licensed: 32 Years

CONTACT

162 West Street, Annapolis, MD 21401

800-814-6700

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LEGAL TERMS

CREDITOR

A person or entity (such as a bank) to whom a debt is owed.

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.

CHAPTER 13 BANKRUPTCY

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your inc... (more...)

The reorganization bankruptcy for consumers, in which you partially or fully repay your debts. In Chapter 13 bankruptcy, you keep your property and use your income to pay all or a portion of the debts over three to five years. The minimum amount you must pay is roughly equal to the value of your nonexempt property. In addition, you must pledge your disposable net income -- after subtracting reasonable expenses -- for the period during which you are making payments. At the end of the three-to five-year period, the balance of what you owe on most debts is erased.

DISPOSABLE INCOME

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Ch... (more...)

The difference between a debtor's current monthly income and allowable expenses. This is the amount that the new bankruptcy law deems available to pay into a Chapter 13 plan.

MEANS TEST

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income ... (more...)

A formula that uses predefined income and expense categories to determine whether a debtor whose current monthly income is higher than the median family income for his or her state should be allowed to file for Chapter 7 bankruptcy.

ADMINISTRATIVE EXPENSES

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Admi... (more...)

The trustee's fee, the debtor's attorney fees, and other costs of bringing a bankruptcy case that a debtor must pay in full in a Chapter 13 repayment plan. Administrative costs are typically 10% of the debtor's total payments under the plan.

INTEREST

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to ... (more...)

A commission you pay a bank or other creditor for lending you money or extending you credit. An interest rate represents the annual percentage that is added to your balance. This means that if your loan or credit line has an interest rate of 8%, the holder adds 8% to the balance each year. More specifically, interest is calculated and added to your loan or credit line through a process called compounding. If interest is compounded daily, the balance will rise by 1/365th of 8% each day. If interest is compounded monthly, the balance will rise 1/12th of 8% at the start of each month.

BANKRUPTCY TRUSTEE

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is t... (more...)

A person appointed by the court to oversee the case of a person or business that has filed for bankruptcy. In a consumer Chapter 7 case, the trustee's role is to gather the debtor's nonexempt property, liquidate it and distribute it proportionally to her creditors. In a Chapter 13 case, the trustee's role is to receive the debtor's monthly payments and distribute them proportionally to her creditors.

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily fu... (more...)

A national non-profit agency that, at no cost, helps debtors plan budgets and repay their debts. One major criticism of CCCS is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Despite this criticism, most CCCS counselors provide clients with thorough and neutral advice.

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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Riva Bankruptcy Lawyer, Maryland

Sponsored Law Firm

Cromwell & Associates, LLC

SPONSORED LAWYERS

Stanley J. Samorajczyk

Diana Lee Klein

Carolyn Gilden Krohn

Daniel Alan Staeven

H Douglas Schenker

April Richardson

Glen Leland Rotner

Samuel H Paavola

David G Ellerton

F Joseph Gormley

TIPS

LEGAL TERMS

CREDITOR

FAIR DEBT COLLECTIONS & PRACTICES ACT (FDCPA)

CHAPTER 13 BANKRUPTCY

DISPOSABLE INCOME

MEANS TEST

ADMINISTRATIVE EXPENSES

INTEREST

BANKRUPTCY TRUSTEE

CONSUMER CREDIT COUNSELING SERVICE (CCCS)

SAMPLE LEGAL CASES

ATTORNEY GRIEVANCE COM'N v. Byrd

Wellington v. Shakiba

Ali v. CIT

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