Top-Rated Bankruptcy & Debt Settlement Attorney In Columbia, MD

Life can be unpredictable, especially when it comes to your finances. The fact is, anyone can wind up in financial dire straits, even with the best of intentions. If you have found yourself in a complicated or stressful financial situation that you cannot pull yourself out of on your own, you are not alone. There are many people like you out there, and there is help.

At the Nager Law Group, we specialize in helping people resolve and reorganize their finances. Headquartered in Elkridge, Maryland, we are the premiere boutique Howard County bankruptcy attorneys. Our practice also serves the greater Maryland community, with secondary locations in Annapolis and Towson. Our experienced attorneys will help you find real solutions to your financial problems, no matter how complicated or severe.

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What Do You Cover?

Wooden house model and stacks of coins with growing plants, highlighting key considerations to prevent bankruptcy.

The Nager Law Group has several areas of focus. These include:

Bankruptcy: “Bankruptcy” is a tool that individuals and businesses can use to consolidate, reorganize, and/or eliminate debt. Though the process may seem daunting, the right bankruptcy attorney can deliver newfound peace of mind, and the fresh start you deserve.

Not all types of bankruptcy are created equal. In fact, there are several different types of bankruptcy, the four major types being:

Chapter 7 Bankruptcy: This is one of the most common types of bankruptcy. It can help individuals wipe out many different types of personal debt, including medical debt, credit card debt and other unsecured debts, usually by liquidating assets.
Chapter 11 Bankruptcy: Chapter 11 is often used by businesses to reorganize debt, cash flow, assets, and other affairs. Filing for Chapter 11 involves laying out and committing to a repayment plan over time.
Chapter 12 Bankruptcy: This sort of bankruptcy is primarily intended for people with small family businesses that make a regular annual income, like family farms and fisheries. It allows for the reorganization of debt and prevents foreclosure, with a payment plan laid out over time based on future yield.
Chapter 13 Bankruptcy: Chapter 13 bankruptcy is something of a combination of the other types of bankruptcy. It allows individuals with regular income to re-organize their debt and prevent foreclosure on properties by laying out a payment plan over time.

Filing for bankruptcy is difficult in the best of circumstances. However, at Nager Law, our bankruptcy attorneys are savvy, compassionate, and determined to get you back on track toward financial freedom.

Foreclosures: Foreclosure is a process by which property that is secured by a specific sort of loan, such as a mortgage, is seized by the lender. This process can be initiated if a person “defaults” (misses a certain number of payments) on a loan. Finding the right foreclosure attorney to advocate on your behalf can make the difference between keeping or losing your home in the face of foreclosure. The attorneys at Nager Law are well versed in foreclosure law and negotiations, and offer many alternative remedies, such as mediation, short sale, and deed-in-lieu foreclosure.

Debt Settlement: Debt settlement refers to a wide array of alternatives to bankruptcy. In many cases, debts do not actually require full bankruptcy to be consolidated or reduced to a manageable lump sum or monthly amount. Our attorneys routinely negotiate debt down to pennies on the dollar, offering clients another path to financial freedom.

Loan Modification: Are you thinking of pursuing a loan modification, refinancing, or rate adjustment? Though banks and lenders may suggest that you pursue these modifications on your own, it is always far wiser to have an experienced financial services attorney on your side. Lenders can offer financial products that are seemingly “too good to be true,” which is sometimes because they are, indeed, too good to be true. If you are considering this sort of financial product, it behooves you to consult one of our attorneys before fully signing off on any decisions you might not be able to walk back.

If you are in Maryland (in the Elkridge, Annapolis, or Towson areas), and you’re looking for a bankruptcy attorney, a foreclosure defense attorney, a debt settlement attorney, or any other sort of financial services attorney, Nager Law Group is your best bet. Visit our website for more details and testimonials, and to book an initial consultation about your case.