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20 Apr, 2024 by Andrew van
Absolutely amazing attorney! Good representation isn’t cheap. Don’t short yourself
Use Mark Muffoletto
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24 Jan, 2024 by Sl p
Outstanding attorney! I wholeheartedly recommend. As someone prone to nervousness, especially in challenging situations, my anxiety can be overwhelming. Mark skillfully put me at ease, providing a sense of safety. He outlined the best/worst-case scenario, kept me updated at every stage, and ultimately achieved the most favorable outcome for me. Just an added bonus, he’s a genuinely nice person as well. So kick a^^ attorney and person!
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28 Sep, 2023 by Matt
I hired Mr. Song after contacting several lawyers and talking through my situation with them. I chose Mr. Song because of all the lawyers, he was the only one to come with confidence and laid out a plan. He clearly had my best interests in mind throughout the process, communicated every step of the way, and made sure I was getting the best possible outcome. He far surpassed my expectation and the outcome was the absolute best possible outcome I could of wished for. Actually, he exceeded what I even thought was possible, literally changed my life with the outcome he achieved. I cannot praise his work enough, I will recommend his services to friends and family.
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20 Mar, 2017 by Jerry
If you have the opportunity to work with Wayne Clark, take it. Please take the time to read this review.
My wife and I were recently forced into bankruptcy and we were also wrongfully accused of committing a fraud in a business deal that led to our bankruptcy. The plaintiffs sued knowing that we did not have the financial resources to defend ourselves. Their reason for such an action is irrelevant here. I was forced to try and defend us without a lawyer.
Our case was complicated; I went weekly to the free legal clinics at the law library in Annapolis and attempted to educate myself in the subtleties of the legal systems. The task was daunting. During that time I talked many attorneys to get help, but we could not afford their services.
I met Wayne at the free legal clinic at the bankruptcy court in Baltimore. He gave me a lot of helpful advice and went back to perusing our case. A few months later I again visited the legal clinic and fortunately for me; I once again met Wayne. I asked if he could guide me in preparing my case.
I wrote a few motions and I asked Wayne to review them. He not only did he review my work; he assumed control of writing the motions I was seeking. He interviewed me and reviewed our documentation at length and he believed in me and our case. He knew that the plaintiffs did not have a creditable case; as he instructed me proving it is a different matter.
He took on this case with an energy and commitment that astounded me. Although he had other cases, he still made me feel as if our case was always at the top of his mind. He seemed to work day and night, he would call me at night, on weekends and during holidays. He pushed me hard to produce the documents that he knew we would need for the case.
As anyone can imagine this case was a very emotional and stressful ride for both my wife and I. Wayne was very good at taking the emotional anger out of the discussion and more importantly he was never afraid to tell me how it was and to take me task.
When we finally got to court, it was obvious that the plaintiff's case was without merit and they agreed to settle out of court by dropping the case. Without Wayne's help, I would have lost the case even though the plaintiff's case was without merit.
If you have the chance to work with Wayne, take comfort in knowing that you dealing with someone who will give you honesty, integrity and commitment.
There are not enough words to describe our gratitude for having Wayne assist my wife and I with our case. If you have the chance to work with Wayne, Take it!!!
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14 Mar, 2017 by Anonymous
Hello I just want to say I called the Civil hotline for free attorney advice. Mr. Wayne Clark picked up and after I explained my situation as far as all of the loan modifications that I have been doing with my bank and their denials. I also explained to him that in a panic state one night, I hired an attorney off a commerical and paid him almost $3,000 to help with a loan modification that was denied. Not knowing that the attorney had possibly done something wrong Mr Clark advised me what I needed to do to get my money back from that attorney. Mr. Clark also advised me in approx 1 hour what I was fearing all along. See I had been fighting to save my home for almost 2 years, thinking I could. He asked me questions and evaluated my salary the home loan as well as the value of my home. In doing that he gave me an assessment of why the bank probably kept dening my loan modification and he made me realize that unless my income increased substantially like ASAP that my chances of saving the home was not great, that was the honesty do I need it. All I did the past two years was kept fighting and the amount of my past due balance increasing, and the bank was letting it happen. The bank has given me unrealistic expectations based on my salary and the likelihood that I would be able to catch up on the past due balance. For the first time in 2 years I was hit with the best reality check that I needed. I went to my church and prayed with my pastor and then contacted a realtor who basically advise me of the same thing. I did exactly what Mr. Clark told me to do and contacted the attorney, told him to give me my money back within one week and if he did not the steps that I was going to take in getting the money back. That attorney panicked to my surprise and did not fight me. I had my money within 4 days honestly, I could not believe it, I thought that money was lost and gone and thrown down the drain. I'm now prepared to move forward and start again. I'm so thankful to Attorney Clark because basically my funds were gone and he helped me get my money back free of charge with his advice. I truly feel he was a God sent and I would refer him to anyone anytime and any day. Thanks again Attorney Clark for all your help, bless you.
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09 Mar, 2017 by Doriann
My husband and I were faced with bankruptcy due to a failed business deal. We were being sued by my husband's partners and had NO WHERE to turn. Our original attorney had been disbarred and we didn't have any more money to hire someone else. We met Wayne through the legal services offered in Baltimore and he GRACIOUSLY agreed to represent us!!!!! He worked diligently from September through to March when we had our trial. He was able to negotiate a settlement of our case. Wayne is compassionate, detailed and very hardworking. He was able to explain options in language that we could understand. We were SAVED by Wayne and his expertise
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Questions? We have answers
What a Bankruptcy Lawyer Can Do for You
A bankruptcy lawyer specializes in helping individuals and businesses manage overwhelming debt by filing for bankruptcy or exploring alternatives to bankruptcy. They guide clients through the complex legal process of discharging or restructuring debts, represent them in court, and work to protect assets such as homes and cars. Bankruptcy lawyers can also help stop creditor harassment, wage garnishment, and foreclosures through bankruptcy protections.
If you're facing financial hardship, a bankruptcy lawyer can help you decide whether filing for bankruptcy is the right option and assist you through the legal process.
When Should I Hire a Bankruptcy Lawyer?
You should consider hiring a bankruptcy lawyer in the following situations:
- Unmanageable debt: If you're unable to pay your bills and debts are piling up, a lawyer can help you explore options such as Chapter 7 or Chapter 13 bankruptcy.
- Foreclosure or repossession: If your home is at risk of foreclosure or your vehicle is in danger of being repossessed, a bankruptcy lawyer can help you use bankruptcy protections to prevent this and potentially reorganize your debts.
- Wage garnishment: If your wages are being garnished, filing for bankruptcy can stop garnishments and allow you to regain control of your finances.
- Creditor harassment: If creditors are constantly calling or sending collection notices, a bankruptcy lawyer can stop these actions by filing for bankruptcy, which enacts an automatic stay that halts collection activities.
- Small business debt: If your business is struggling with debt and cannot meet financial obligations, a lawyer can help you file for Chapter 11 (reorganization) or Chapter 7 (liquidation) bankruptcy.
- Medical debt or credit card debt: If you have large amounts of unsecured debt like medical bills or credit card balances, a bankruptcy lawyer can help you seek relief through Chapter 7 or Chapter 13 bankruptcy.
Hiring a bankruptcy lawyer early in the process can prevent further financial damage and help you choose the best legal option for debt relief.
What Does a Bankruptcy Lawyer Do?
A bankruptcy lawyer provides a range of services to help individuals and businesses handle their debts. Their responsibilities often include:
- Evaluating your financial situation: Assessing your income, assets, debts, and expenses to determine if bankruptcy is the right option and which type of bankruptcy (Chapter 7, Chapter 13, or Chapter 11) best suits your situation.
- Filing bankruptcy petitions: Preparing and filing the necessary documents to initiate your bankruptcy case, ensuring that all legal requirements are met.
- Stopping creditor harassment: Once the bankruptcy case is filed, an automatic stay is enacted, which stops creditors from pursuing collection efforts. A lawyer ensures this protection is applied immediately.
- Representing you in court: Representing you in court proceedings, including meetings with creditors and any hearings related to your case.
- Negotiating with creditors: In Chapter 13 or Chapter 11 bankruptcies, negotiating a repayment plan that restructures your debts and allows you to manage payments more effectively.
- Advising on asset protection: Guiding you on how to protect certain assets, such as your home or retirement savings, through available bankruptcy exemptions.
- Explaining the impact on your credit: Informing you about how bankruptcy will affect your credit and advising on steps to rebuild your credit post-bankruptcy.
How Are Bankruptcy Lawyers Paid?
Bankruptcy lawyers typically charge for their services in different ways depending on the complexity of the case and the type of bankruptcy being filed. Common payment structures include:
- Flat fee: Many bankruptcy lawyers charge a flat fee for handling Chapter 7 or Chapter 13 bankruptcy cases. This fee usually covers the entire process, from preparing and filing paperwork to representing you in court.
- Hourly rate: For more complex cases, such as Chapter 11 bankruptcy (often used by businesses), some lawyers charge an hourly rate. Hourly rates typically range from $150 to $500 or more.
- Retainer: In cases where ongoing legal services are required, such as in Chapter 11 bankruptcies or complex Chapter 13 cases, a lawyer may request a retainer, which is an upfront payment billed against as the lawyer works on the case.
It’s important to discuss fees with your lawyer upfront, as bankruptcy law requires lawyers to disclose all fees and ensure they are reasonable and fair.
How Much Does a Bankruptcy Lawyer Cost?
The cost of hiring a bankruptcy lawyer varies depending on the type of bankruptcy and the complexity of the case. General cost estimates include:
- Chapter 7 bankruptcy: For individuals, legal fees usually range from $1,000 to $3,500. This flat fee generally covers the entire process.
- Chapter 13 bankruptcy: For individuals filing Chapter 13, legal fees typically range from $2,500 to $6,000. This cost is higher because of the additional work required to create and manage the repayment plan.
- Chapter 11 bankruptcy (for businesses): Chapter 11 bankruptcy is more complex and usually more expensive, with legal fees ranging from $10,000 to $50,000 or more, depending on the size of the business and the complexity of the debt restructuring.
- Filing fees: In addition to legal fees, there are also court filing fees, which are $338 for Chapter 7 and $313 for Chapter 13 as of 2024.
Always ask for a detailed cost estimate during your consultation to understand what services are included and whether payment plans are available.
Top Questions to Ask a Bankruptcy Lawyer
Before hiring a bankruptcy lawyer, it’s important to ask key questions to ensure they have the experience and knowledge to handle your case effectively. Key questions to ask include:
-
What experience do you have with bankruptcy cases?
Ensure the lawyer has experience handling cases similar to yours, whether it's Chapter 7, Chapter 13, or Chapter 11 bankruptcy. -
How do you charge for your services?
Clarify whether the lawyer charges a flat fee or hourly rate, and ask for a detailed breakdown of costs, including filing fees and additional expenses. -
Which type of bankruptcy is best for me?
Ask the lawyer to explain whether Chapter 7, Chapter 13, or Chapter 11 is the best option based on your financial situation and long-term goals. -
What debts can be discharged?
Ask which of your debts will be forgiven through bankruptcy and which debts (such as certain taxes or student loans) may not be dischargeable. -
How long will the process take?
Bankruptcy cases can take time to resolve, so ask the lawyer how long they expect the process to last, from filing to discharge. -
Will I be able to keep my assets?
Ask if you will be able to keep important assets, such as your home or car, and what exemptions might apply. -
What happens after bankruptcy?
Ask about the impact of bankruptcy on your credit score and what steps you can take to rebuild your credit after the bankruptcy is finalized.
How to Check the Credibility of a Bankruptcy Lawyer
To ensure you are hiring a reputable bankruptcy lawyer, follow these steps to verify their credentials and track record:
- Verify their bar status: Check with your state bar association to confirm that the lawyer is licensed to practice law and has no history of disciplinary actions.
- Look for bankruptcy experience: Review the lawyer’s website or professional profile to ensure they specialize in bankruptcy law and have successfully handled cases like yours.
- Read client reviews and testimonials: Look for client reviews on platforms like Avvo, Martindale-Hubbell, or Google to see what previous clients have said about the lawyer’s professionalism and ability to handle bankruptcy cases.
- Ask for references: A reputable lawyer should be able to provide references from past clients who have worked with them on bankruptcy matters.
- Check for certifications or memberships: Look for lawyers who are members of organizations such as the National Association of Consumer Bankruptcy Attorneys (NACBA) or who have specialized bankruptcy law certifications.
What Should I Prepare for My First Consultation?
To get the most out of your first consultation with a bankruptcy lawyer, it’s important to come prepared with relevant documents and information. Here’s what you should bring:
- List of debts: Prepare a detailed list of all your debts, including credit cards, personal loans, medical bills, and any secured debts such as mortgages or car loans.
- Income and expense records: Bring documents that show your current income, such as pay stubs or tax returns, and a list of your monthly expenses, including rent, utilities, and other essential costs.
- Asset information: Provide information on any assets you own, such as your home, car, investments, or other valuable property.
- Credit reports: If possible, bring copies of your credit reports to give the lawyer a clear view of your financial situation.
- Questions for the lawyer: Prepare a list of questions you have about the bankruptcy process, the lawyer’s fees, and what to expect after filing for bankruptcy.
By preparing thoroughly for your consultation, you can help the lawyer assess your situation more effectively and provide the best possible legal advice tailored to your needs.
