Chapter 7 in the District of Maryland
Maryland consumer cases are filed in the U.S. Bankruptcy Court for the District of Maryland. The Silver Spring office at 8403 Colesville Rd is where we prepare that petition — it is not the courthouse.
Maryland exemptions, household size, and median-income figures decide whether Chapter 7 is available and what you keep. A Bethesda house with real equity is a different case from a Wheaton renter with credit-card and medical bills.
What Chapter 7 Clears
Qualifying credit-card, medical, personal-loan, utility, and similar unsecured balances may be discharged, often within a few months. Filing generally activates the automatic stay, which can pause many Montgomery County collection actions.
Qualifying in Maryland
The means test compares your income to Maryland’s median. Higher D.C.-metro salaries do not automatically block Chapter 7; household size and allowed expenses matter. If you are over the line, Chapter 13 remains available, and we run both paths with real numbers.
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Stephen A. Thomas, PLLC
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