Medical plus cards
Qualifying unsecured debt is what Chapter 7 is for, if the means test passes and exemptions protect what you own.
Montgomery County · Silver Spring, MD
Stephen A. Thomas: Bankruptcy Attorney Serving Wheaton, MD
Glenmont-Wheaton corridor | Metro-close | Meet in Silver Spring
Wheaton households more often look like a Chapter 7 unsecured-debt case than a Bethesda equity case: medical bills, cards, a modest house or a rental, and a Red Line commute. The Colesville Road office is a few stops away.
- 35+ yearsLicensed legal practice
- Free consultConfidential case review
- Colesville Rd8403 Colesville Rd, Suite 1100
- Court infoDistrict of Maryland Bankruptcy Court
Local landscape
How Wheaton consultations actually look
Price points along Veirs Mill and Georgia Avenue are more mixed than downtown Bethesda. Renters with garnishments and owners with thin equity both appear. Maryland median-income figures still govern the means test. We will not talk you into Chapter 13 if Chapter 7 honestly fits — or the reverse.
Hospital systems and specialist practices in Montgomery County generate medical balances that sit next to credit cards. Those are the core of many Wheaton Chapter 7 consultations.
Wheaton Metro to Silver Spring is short. That convenience is the point of the Maryland office.
Local concerns in Wheaton
Problems Wheaton residents bring to consultation
Car notes on a Metro-plus-drive commute
Some Wheaton clients still need a car for shift work off the Red Line. We treat the vehicle as survival property when the exemption allows it.
Language and document comfort
Come with whatever you have. We prepare federal filings in English and will walk through each schedule so you are not signing blind.
Court & process
Maryland filings, local meeting
Wheaton residents generally file in the District of Maryland. D.C. court is the wrong venue if you live in Wheaton. The Silver Spring office is where we confirm that.
How we can help in Wheaton
Service lines for Wheaton, MD residents
Emergency filing pressure
- Montgomery County lawsuit, garnishment, or Maryland foreclosure already pending
- Automatic stay after a District of Maryland filing, subject to exceptions
- Colesville Road consultations or phone when the calendar is short
Chapter 7 bankruptcy
- Discharge qualifying credit cards, medical bills, and personal loans
- Maryland exemptions for home, car, and retirement accounts
- Means test using Maryland median-income figures
Chapter 13 bankruptcy
- Address a Maryland foreclosure and mortgage arrears
- Plan payment built on actual Montgomery County living costs
- Keep a house when equity exceeds a careless Chapter 7
Office access
Getting to Silver Spring from Wheaton
Red Line one stretch to Silver Spring, or Georgia Avenue south to 8403 Colesville Rd, Suite 1100. Call (202) 894-2929.
Stephen A. Thomas, PLLC
Call (202) 894-2929 to discuss a Wheaton matter.
Nearby communities
Related pages near Silver Spring, MD
Direct answers
Wheaton questions
Is Wheaton close enough that I should just go to the D.C. office?
You can meet wherever it is easier, but if you live in Wheaton the filing court is still Maryland, not D.C. We will not venue-shop for convenience.
Can a Wheaton renter file Chapter 7?
Yes, if eligible. Renters use Chapter 7 regularly to stop garnishments and discharge qualifying unsecured debt.
What should I bring to the Silver Spring meeting?
Pay stubs, a creditor list, lawsuit papers if any, and a photo ID. Missing documents are normal. Come anyway.
Wheaton
Schedule a consultation
Call (202) 894-2929 or send the form. Mention you are in Wheaton so we can apply the right court and exemption rules.