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Drescher Blog - Did BAPCPA Work? - Part

We are coming upon the fourth anniversary of the enactment of BAPCPA, the Bankruptcy Abuse Prevention and Consumer Protection Act that was designed to put more money into creditors' pockets and make life much much more difficult for debtors and their attorneys. It seemed that after the October 2005 enactment BAPCPA was widely reviled, feared and loathed. The week before its enactment bankruptcy filings spiked like never before or since, then nobody, really, NOBODY, filed for months. After its enactment, when debtors finally HAD to file, it seemed as if courts were doing all they could to soften the hard edges of BAPCPA and restore life to a kinder, gentler way of bankruptcy practice. Over time, however, it appears that more courts than not are interpreting BAPCPA according to its terms, and things have certainly gotten tougher for debtors, as was undoubtedly the intent in its passage. The question many of us in the bankruptcy world have been asking, however, is has BAPCPA actually ...

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Can A Maryland Bankruptcy Lawyer Help Me?

When you file for Bankruptcy or are involved with someone who is filling for bankruptcy, let Drescher & Associates, P.A., provide you with the proper legal consul before you make any move. For more than 20 years this Maryland Bankruptcy Lawyer has been helping people just like you protect their assets.

A Maryland bankruptcy lawyer that will fight for you and your needs.

Drescher & Associates, P.A., is a value driven bankruptcy resource firm concentrating in the areas of bankruptcy, commercial transactions, business litigation and preference defense litigation. We have years of experience assisting individuals and businesses understand all of the options available before, during and after bankruptcy.

If you live in Maryland, Delaware, Pennsylvania or Virginia then you have a bankruptcy lawyer waiting to provide you with the right legal consul.

Before you make a move with another bankruptcy attorney, check with Drescher & Associates. It is so very important to consult and speak with this Maryland Bankruptcy Lawyer, because any new law changes can be explained better to you from bankruptcy lawyer. Your rights and options are too important, more than ever. If you want all your legal rights and options explained then, you must speak with a this maryland bankruptcy lawyer, immediately.

The primary focus of this new office will be to represent clients in the United States Bankruptcy Court for the District of Delaware, Maryland, Pennsylvania and Virginia, however the firm will also practice in other bankruptcy courts as needed. Drescher & Associates, P.A. and its bankruptcy lawyer's have been practicing in the areas of complex corporate bankruptcy, reorganization, insolvency and commercial and bankruptcy litigation since 1986. We are proud and excited to offer our clients the ability to provide these services within the prestigious bankruptcy court.

How Will Bankruptcy Effect Me..

Maryland Office
Pennsylvania & Virginia
4 Reservoir Circle
Suite 107
Baltimore, Maryland 21208
Telephone (410) 484-9000
Fax (410) 484-8120

Delaware Office
1 Commerce Center
1201 North Orange Street
Suite 722
Wilmington, DE 19801-1180
Telephone (302) 884-6722
Fax (410) 484-8120

Whether you need a bankruptcy creditor lawyer or a bankruptcy debtor lawyer, Drescher & Associates has you covered. However, we want you to understand some of the situations you may need to know before you move into bankruptcy. For example:

A strict financial means test is now required that will prohibit many debtors from filing a liquidation bankruptcy under Chapter 7;
Debtors must now receive a briefing from an approved credit counseling agency at least six months before they can file their bankruptcy case;
Debtors must take an approved class on debt management techniques before they receive their bankruptcy discharge;
A provision now makes it easier for a court to dismiss a bankruptcy case outright or to convert a Chapter 7 case to a Chapter 13 case; and
A provision now permits a court to impose sanctions on bankruptcy attorneys, or even on debtors, for filing a Chapter 7 case that is dismissed or converted to a Chapter 13 case.

There are more bankruptcy resources in this website that you may need to know, but we want you to pick up that phone and call Drescher & Associates to speak with a real bankruptcy lawyer who can explain these very important legal options to you.

We are waiting for your call.

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