Salisbury, MD:

Stephen M. Hearne, Esquire

Stephen M. Hearne, Esquire
  • Salisbury, MD
  • 105 West Main Street, Salisbury, MD 21801
  • 35 Years of Legal Expertise Limited to Bankruptcy Law on the Eastern Shore of Maryland
  • Peer Reviews
    4.6/5.0 (10)
    Client Reviews
    100% Recommended (4)
  • Profile Visibility [ i ]

About our Salisbury, MD: office

Bankruptcy is not always the best route to solving an individual's financial problems. The first issue we need to solve is whether bankruptcy will help you. While bankruptcy will help the vast majority of the clients I interview, occasionally that is not the case. I will not recommend that you file bankruptcy if that would not truly benefit you.

One form of bankruptcy is called a Chapter 7 proceeding, also referred to as a "liquidating bankruptcy". In a Chapter 7 proceeding, the Debtor lists all of his or her assets, but then identify which assets the Debtor will claim as exempt (not available for liquidation by the bankruptcy trustee appointed by the Bankruptcy Court to sell any non-exempt assets. Asset exemptions are limited by Maryland law, but more often than not, my clients can exempt all of their assets.

Not all debts are dischargeable (extinguished), but most are. Taxes that are less than three years old are not dischargeable. Student loans are generally non-dischargeable, but can be discharged if repayment will cause "undue hardship". This standard is extremely hard to meet.

Please call my office to make an appointment today to review your financial situation and start you on the road toward financial recovery.

Office Details

Contact Information:
410-713-4723  Phone
410-860-6606  Phone
410-742-7133  Fax
410-749-6390  Fax
www.smhearnelaw.com
Mailing Address:
105 West Main Street, Salisbury, MD 21801
Office Size:
1
Year Established:
1985
Office Hours:
Monday
09:00 AM - 06:00 PM
Tuesday
09:00 AM - 06:00 PM
Wednesday
09:00 AM - 06:00 PM
Thursday
09:00 AM - 06:00 PM
Friday
09:00 AM - 06:00 PM

Areas of Practice (17)

Specific Areas of Practice for our Salisbury office:

  • Bankruptcy
  • Bankruptcy Chapter 7
  • Bankruptcy Chapter 13
  • Bankruptcy Chapter 11
  • Bankruptcy Litigation
  • Bankruptcy Reorganization
  • Bankruptcy Fraud
  • Commercial Bankruptcy
  • Commercial Insolvency
  • Consumer Bankruptcy
  • Debt Relief
  • Insolvency
  • Personal Bankruptcy
  • Fraudulent Conveyance
  • Debtor Bankruptcy
  • Foreclosures
  • Bankruptcy Taxation

People (1)

Peer Reviews

  • 4.6/5.0 (10)
  • Legal Knowledge

    4.7/5.0
  • Analytical Capability

    4.6/5.0
  • Judgment

    4.4/5.0
  • Communication

    4.6/5.0
  • Legal Experience

    4.7/5.0

*Attorneys who only have peer reviews prior to April 15, 2008 are not displayed.

Client Reviews

  • 4.9/5.0 (4)
  • 100% (4)
  • Communication

    5.0/5.0
  • Responsiveness

    4.8/5.0
  • Quality of Service

    5.0/5.0
  • Value for Money

    4.5/5.0
Disclaimer

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Salisbury, Maryland

  • Salisbury, MD
    105 West Main Street
    Salisbury, MD 21801

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Contact Stephen M. Hearne, Esquire

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