Do You Really Need Credit? When I was a youngster, my grandmother always insisted I clean my plate. She grew up during the Great Depression and that shaped her views on savings, spending and waste for the rest of her life. We are seeing a new generation who’s coming of
Sometimes I’m a Bankruptcy Attorney, but sometimes I’m just a Baltimore Tax Problem Solver! One of the biggest expenses we face are taxes. Some people spend more on paying Income and Social Security/Medicare taxes than they do on housing. And sometimes those payments aren’t enough. Tax liability is not
Stop Foreclosure in Baltimore If you’re behind on your mortgage, HOA dues, or Property Taxes you could find yourself faced with a foreclosure action. This process involves suing for the recovery of your real property to pay off a debt in which you have defaulted. The house is sold at
The answer to that question really depends entirely on what your present situation is. From foreclosures to failing businesses, Grafton Firm can help you find a solution that is right for you. What is going on with your life that you need help? Take a look through the following list
If you hire a Maryland Bankruptcy Lawyer, you should know who he is? I have been practicing for a number of years before relocating to the Baltimore area. Before I ever opened the doors to my practice, I took some time to get to know the local bankruptcy bar. I
One of the leading causes of divorce in our country is related to the handling and mis-handling of household finances. Money issues cause stress. Whether it’s from worry about your future stability, making drastic changes to your lifestyle, or even casting blame on the profligate habits of your spouse, the
Bankruptcy and Credit Scores One of the biggest concerns people express to me is that they have or more often, had, a great credit score, and they want it back. Great. That is a worthy goal. A good or great credit score helps you get the best rates on a mortgage,
One of the worst parts about dealing with debt is the hounding creditor calls. They are almost constant for many people who come to see us. These collectors get paid by getting you to pay, so they call constantly. They try to work whatever angle you give them. Display a
There is a bit of advice often given to attorneys, especially young attorneys. I think it’s important that clients understand this advice. So, here it is: “Never let your client’s emergency become yours.” Clients and potential clients frequently come to me on the eve of some disastrous event such as
While our clients leave feeling happy with the outcomes, none of them come to us happy with the situation they are in. Depression amongst our bankruptcy clients is one of the biggest obstacles that we, as counselors have to overcome. Depression can be debilitating for many. Problems become too big to