Carroll County Bankruptcy Lawyers

Living with overwhelming debt is more than just stressful—it can affect your health, your job, your relationships, and your future. If you’re feeling crushed by financial obligations you can’t repay, you’re not alone. Many hardworking individuals in Carroll County experience financial hardship due to unexpected medical bills, job loss, divorce, or other life challenges. 

At LeViness, Tolzman & Hamilton, our experienced Carroll County bankruptcy lawyers are here to provide honest advice, personalized service, and a path forward when you’re struggling with debt.

Why Choose LeViness, Tolzman & Hamilton?

With decades of experience and a long history of helping Maryland residents achieve debt relief, our legal team is committed to protecting your rights and guiding you through every step of the bankruptcy process. We understand that filing for bankruptcy is not an easy decision—and we never treat it lightly. Our goal is to help you regain control of your finances and get the fresh start you deserve.

We offer free, no-obligation consultations so you can get clear answers before making any decisions. From the moment you contact us, you’ll receive compassionate support, clear communication, and strategic legal representation tailored to your unique situation.

When Is Bankruptcy the Right Option?

Bankruptcy is a legal tool designed to give individuals relief from debt they can no longer manage. It may be the right solution if:

  • You are behind on credit card payments or medical bills.
  • Creditors are calling you daily or threatening lawsuits.
  • You’re facing wage garnishment or frozen bank accounts.
  • Your utilities are being shut off due to nonpayment.
  • You’re struggling to pay even the minimum monthly payments.
  • You’ve tried other options—such as debt consolidation—with no success.

Filing for bankruptcy doesn’t mean you’ve failed. It simply means you’re taking proactive steps to reset your financial life.

What Is Chapter 7 Bankruptcy?

At LeViness, Tolzman & Hamilton, we focus on helping clients file for Chapter 7 bankruptcy, also known as “liquidation” bankruptcy. This option is available to individuals who meet certain income eligibility requirements and allows for the elimination—or discharge—of many types of unsecured debt.

Chapter 7 is often the most direct path to financial relief for people who are overwhelmed by:

  • Credit card debt
  • Personal loans
  • Medical expenses
  • Utility arrears
  • Collection accounts
  • Certain court judgments

Once your bankruptcy is filed, a court order called the automatic stay goes into effect immediately. This halts most collection actions, including phone calls, lawsuits, garnishments, and foreclosure proceedings. For many clients, this brings much-needed peace of mind while the legal process unfolds.

Will I Lose Everything If I File?

One of the most common fears about bankruptcy is the loss of personal property. In reality, most people who file for Chapter 7 are able to keep the majority of their assets. Maryland law provides exemptions that protect many types of property, including:

  • A portion of your home equity.
  • Your vehicle up to a certain value.
  • Household goods and clothing.
  • Tools needed for your trade.
  • Retirement accounts and pensions.

Our bankruptcy attorneys will carefully review your financial situation to help maximize your exemptions and protect what matters most to you.

What Is the Process Like?

Filing for Chapter 7 bankruptcy typically takes three to six months from start to finish. Here’s what you can expect:

  • Credit Counseling: Before filing, you must complete a brief, court-approved credit counseling course.
  • Filing the Petition: We prepare and file all required paperwork with the U.S. Bankruptcy Court, listing your debts, income, assets, and financial history.
  • Automatic Stay: Once filed, creditors must immediately stop all collection efforts.
  • 341 Meeting of Creditors: You’ll attend a short meeting with the bankruptcy trustee. We’ll be with you to ensure you’re prepared.
  • Debt Discharge: If no objections are raised, your qualifying debts will be officially discharged by the court.

We handle all aspects of the filing process, so you don’t have to worry about legal paperwork or deadlines. Our team is available to answer your questions every step of the way.

Will Bankruptcy Affect My Credit Forever?

Filing for bankruptcy will stay on your credit report for up to 10 years. However, for many people, it’s a turning point that allows them to rebuild. Once your debts are discharged, you’ll no longer be weighed down by missed payments or mounting interest—and you can start establishing positive credit habits. Many of our clients begin receiving credit offers again within a year of filing.

We also provide guidance on how to improve your credit after bankruptcy, including budgeting strategies, responsible credit use, and monitoring your credit score over time.

Serving Carroll County with Dedication and Respect

LeViness, Tolzman & Hamilton proudly serves individuals and families throughout Westminster, Eldersburg, Sykesville, Taneytown, Hampstead, and surrounding Carroll County communities. We know that financial hardship doesn’t follow a 9-to-5 schedule, which is why we offer flexible appointments, including evenings and weekends when needed.

We also understand the importance of discretion. Your financial situation is personal, and we treat it with the utmost confidentiality and respect.

Take the First Step Toward Debt Relief Today: Contact Our Carroll County Bankruptcy Lawyers at LeViness, Tolzman & Hamilton

You don’t have to live with overwhelming debt. At LeViness, Tolzman & Hamilton, our Carroll County bankruptcy lawyers are ready to help you take control of your financial future. Call 800-547-4LAW (4529) or contact us online for a free consultation.

We have offices in Baltimore and Owings Mills, allowing us to represent clients in Maryland, including those in Anne Arundel County, Baltimore County, Carroll County, Harford County, Howard County, Montgomery County, Maryland’s Western Counties, Prince George’s County, Queen Anne’s County, Southern Maryland, and the Eastern Shore, as well as the communities of Catonsville, Essex, Halethorpe, Middle River, Rosedale, Gwynn Oak, Brooklandville, Dundalk, Pikesville, Nottingham, Windsor Mill, Lutherville, Timonium, Sparrows Point, Ridgewood, and Elkridge.