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Sometimes, life throws us curveballs. Loss of a job, unforeseen medical expenses, divorce, the loss of a loved one, or anything that just makes it difficult to keep up with our monthly bills and expenses can cause undue financial hardship. Thankfully, there are legal options that can help out in those challenging times, and can allow you to start again with a clean slate. As a bankruptcy practitioner in the United States Bankruptcy Court for the District of Maryland for the past 25 years, I have experience in assessing your financial situation and representing you, if it is the right way to proceed, in a bankruptcy case. In almost all cases, you will be able to keep your home and your car if you choose to do so. If you are experiencing financial distress, let me help explain this process to you, so that you can make an informed decision on how to proceed.