Bankruptcy Lawyer in Prince George's County, Maryland

If you live in Prince George's County and you are behind on your mortgage, facing a foreclosure date, or watching a creditor garnish your paycheck, bankruptcy may be the fastest legal way to stop it. Prince George's County cases are handled by the Greenbelt Division of the United States Bankruptcy Court for the District of Maryland, and Middleton Legal handles the entire process remotely, from anywhere in Maryland. Sheereen E. McNair works directly with every client. Filing stops a foreclosure sale immediately, and Chapter 13 lets you catch up the missed payments over time. Call 240-896-3253 for a free consultation.

Where Prince George's County Cases Are Filed

Prince George's County cases go to the Greenbelt Division of the United States Bankruptcy Court for the District of Maryland, at 6500 Cherrywood Lane, Suite 300, Greenbelt, MD 20770, (301) 344-8018.

The court allows new petitions to be filed with the Clerk's Office in either the Baltimore or the Greenbelt Division. In practice you almost never go to the courthouse. The whole process is remote. Your consultation is a phone call, your documents are uploaded through our secure client portal, and your case is filed electronically. Your meeting of creditors is held virtually on Zoom, where you appear on camera to verify your identity, so it is not a phone only call. Middleton Legal is a virtual firm serving clients across Maryland, so we do not meet clients in person and you do not come to an office.

What We See Most in Prince George's County

Foreclosure and mortgage arrears. Prince George's County has long carried some of the highest foreclosure activity in Maryland. Filing bankruptcy stops a scheduled foreclosure sale the moment the case is filed, and Chapter 13 lets you cure the missed payments over three to five years while you resume the regular monthly payment.

Wage garnishment. After a creditor sues you and the court enters a judgment and a garnishment order, Maryland law lets them take up to 25 percent of your disposable income from your paycheck. The automatic stay stops it the day you file.

Repossession. If you are behind on a car loan, Chapter 13 lets you catch up over the plan and keep the vehicle. If the car was taken but not yet sold, filing may let you recover it, so timing matters.

Steady household income. A large share of the county works for the federal government or in stable trades and services. That steady income is exactly what makes a Chapter 13 plan work, and it often means keeping the home rather than losing it.

Chapter 7 or Chapter 13 in Prince George's County

Chapter 7 wipes out most unsecured debt, credit cards, medical bills, personal loans, and old collection accounts, usually in about three to four months. You have to pass the means test.

Chapter 13 reorganizes your debt into a three to five year plan. It is the tool for catching up on a mortgage or a car you want to keep, and for people whose income is too high for Chapter 7. Because so many cases here involve saving a home from foreclosure, Chapter 13 does a lot of the heavy lifting in Prince George's County. We look at your actual numbers before recommending a chapter.

What It Costs

The court filing fee is $338 for Chapter 7 and $313 for Chapter 13. Attorney fees are separate and we offer payment plans. In Chapter 13 most of the attorney fee is typically paid through the plan rather than up front.

What You Keep

Maryland now protects up to $125,000 of equity in an owner occupied home, effective June 1, 2026, up from $27,900. Married couples cannot double it and there is no separate senior amount. Vehicle equity is protected through the wildcard exemption of up to $6,000 of cash or property of any kind, since Maryland has no standalone motor vehicle exemption and has opted out of the federal exemptions. Losing your home or car in bankruptcy is the exception, not the rule.

Cities We Serve in Prince George's County

We help clients across Prince George's County, including Hyattsville and Bowie, each with its own detailed page.

Working With Middleton Legal

You work directly with Sheereen, not a case mill. Middleton Legal is a BBB Accredited Business with an A+ rating, and a virtual firm serving clients statewide. We treat bankruptcy as a fresh start, not something to be ashamed of.

Frequently Asked Questions

Where do Prince George's County residents file for bankruptcy?

Prince George's County cases go to the Greenbelt Division of the United States Bankruptcy Court, at 6500 Cherrywood Lane, Suite 300, Greenbelt, MD 20770, which is inside the county. Most of the process is electronic and your meeting of creditors is held virtually on Zoom, where you appear on camera to verify your identity.

Can bankruptcy stop a foreclosure sale on my Prince George's County home?

Yes, if you file before the sale takes place. The automatic stay stops the sale immediately, and Chapter 13 lets you cure the missed payments over three to five years while you resume the regular monthly mortgage payment.

Can Chapter 13 stop a car repossession?

Yes. Filing stops the repossession, and the plan lets you catch up the missed payments while you keep driving the car. If it was already taken but not yet sold, you may be able to recover it, so call immediately.

How much of my paycheck can a creditor take in Maryland?

After a creditor sues you, wins a judgment, and obtains a garnishment order from the court, they can take up to 25 percent of your disposable income. Filing bankruptcy stops it.

Will I lose my house if I file bankruptcy in Prince George's County?

Usually not. Maryland protects up to $125,000 of equity in an owner occupied home, and most filers keep their home. If you are behind, Chapter 13 lets you catch up and stop the foreclosure.

Do I have to come into an office to file bankruptcy?

No. Everything is remote. Your consultation is a phone call, your documents are uploaded through our secure client portal, your case is filed electronically, and your meeting of creditors is held virtually on Zoom, where you appear on camera to verify your identity. Middleton Legal is a virtual firm and does not meet clients in person, so you never travel anywhere.

Talk to a Prince George's County Bankruptcy Lawyer Today

Stop the foreclosure. Stop the garnishment. Start over without shame. Free consultation, no judgment, straight answers. Call 240-896-3253.

Related guides: Chapter 7 Bankruptcy in Maryland and Chapter 13 Bankruptcy in Maryland. Or book online.

See all the Maryland cities and counties we serve.