Baltimore, Maryland Legal Blog

Is bankruptcy an option for school loans?

On behalf of Chad Edward Cos LLC posted in bankruptcy on Wednesday, April 18, 2018.

According to statistics, around 19 percent of people who file for bankruptcy are college students. It's a normal way of life in America to take out student loans, but those loans cost what a student would pay for college many times over by the time they're paid in full. It's no surprise that around one out of five people who file for bankruptcy are living the college life where incomes are scarce and costs are high.

It's a reality that more students need to be educated on the expense of college and borrowing. Some believe that having debt is a way of life, and to get an education, it sometimes is. However, you need to be able to get out of that debt once you accrue it, a difficulty for many.

Hospital accused of violating safety protocols with discharge

On behalf of Chad Edward Cos LLC posted in personal injury on Tuesday, March 27, 2018.

If you have watched the news recently, you may have heard about a case in which the University of Maryland hospital was accused of discharging a patient who did not want to be discharged and who was not in a position to be discharged. A news article discussing the situation dated March 20 reports that federal regulators agree with the assessment and believe that the hospital violated patient rights and safety regulations.

The case that brought these issues to light came about when a woman was discovered outside the hospital in the freezing cold. She was only wearing a hospital gown. A local psychotherapist discovered her and called for an ambulance.

Visitation: Getting time with your child

On behalf of Chad Edward Cos LLC posted in family law on Tuesday, March 13, 2018.

Deciding on a good visitation schedule isn't always easy. As a parent, you want to be with your child all the time. Thinking about having to share your time with your child may feel unfair.

The reality of your situation is that you need to split up your time, and you need to do so in the best possible way for your child. If you and your ex-spouse can't agree on the visitation schedule, the court will do so for you. It's in your best interests to work it out for yourselves.

How can you reduce the cost of adoption?

On behalf of Chad Edward Cos LLC posted in family law on Wednesday, February 28, 2018.

Adoption has many benefits for families and children. If you decide to adopt, you're opening your heart and home to a child in need. You're growing a family that you always wanted, fulfilling a need you've had.

Adoption, despite all its benefits, has the potential to take a long time to complete. It may be expensive and has the potential to fall though, leaving potential parents blindsided and heartbroken. Still, despite the drawbacks, if you're ready to bring a child home, adoption could be a good fit for you.

Pedestrians face death when stranded on the highway

On behalf of Chad Edward Cos LLC posted in personal injury on Friday, February 16, 2018.

Most people know that you're not supposed to enter a highway as a pedestrian. The reason for this is simple. The cars move too fast, so if you're hit, you're likely to be killed.

Despite the risks, many people do end up on highways as pedestrians. In most cases, it's a result of not having a way to leave. For example, if a car breaks down on the highway, the people inside may have to get out and wait for it to get towed. After a crash, victims might stand near the wreckage.

Considerations for bankruptcy during divorce

On behalf of Chad Edward Cos LLC posted in blog on Wednesday, February 7, 2018.

Though finances are one of the leading causes of divorce, going through a divorce is an expensive process in itself. For those already in a pressing financial predicament, bankruptcy may help to bring some relief.

If you are considering a divorce or are in the process and want to enact bankruptcy, it is important to understand how it will play out. There are a few key considerations to make when looking to enact bankruptcy during divorce.

Sometimes, student loans can be dismissed during bankruptcy

On behalf of Chad Edward Cos LLC posted in bankruptcy on Wednesday, January 31, 2018.

In many cases, student loans drag down the very people they were meant to help. Combined with the rising cost of school and lower-than expected wages, individuals are hit with the realization that their loans are higher, and more difficult to pay, than they expected.

Most people explain that it's impossible to have student loans dismissed in bankruptcy, but that's not true. In fact, there are cases in which student loans can be eliminated in bankruptcy completely.

Paying off the right debts gets you out of debt faster

On behalf of Chad Edward Cos LLC posted in bankruptcy on Friday, January 19, 2018.

If you are in debt and want to avoid bankruptcy, you may be considering working with your budget to start paying down your debts as quickly as you can. How you decide to do this can affect the outcome significantly.

Knowing which debt to pay off first may help you obtain your financial freedom faster. For instance, if you always pay for your necessities first, you'll never have to worry about going without a place to live, finding something to eat or deciding if you can afford utility bills. Always pay your necessities first, since these directly impact your life. Make the minimum payments on these recurring expenses.

Know your rights when seeking or paying child support

On behalf of Chad Edward Cos LLC posted in family law on Thursday, January 4, 2018.

In Maryland, every child is given the right to receive child support from each of his or her parents. Parents wishing to seek child support can actually apply online to do so through the State of Maryland website. The Child Support Enforcement Administration (CSEA) has a calculator on its website that helps determine how much a person may owe in child support as well, which may be beneficial to some parents.

It's important for the father of a child to determine paternity if child support is an issue. He may want to seek a DNA test if a mother is requesting child support, especially if he was unaware of the child previously or did not realize that he had fathered a child. DNA tests are painless for the father and child, and it guarantees that the child receives support from the correct person.

Keep yourself safe by avoiding drunk driving this holiday season

On behalf of Chad Edward Cos LLC posted in personal injury on Friday, December 22, 2017.

No one goes out planning to drive home drunk. Most people know it's dangerous, yet there are almost always people who get behind the wheel when they shouldn't. This holiday season, remember that there are ways to get home that don't involve drinking while intoxicated.

The Maryland State Police have already reported a growing number of alcohol-related collisions in the state. Between Dec. 15 and Dec. 18, the police headed to 18 calls around the state. In 2016, they responded to 13 crashes in the same time frame.