Not sure if bankruptcy is right for you? That is exactly what the free 15 minutes is for.
- Sheereen E. McNair, Esq.
- Jul 19
- 3 min read
I am Sheereen E. McNair, a Maryland consumer bankruptcy attorney. It starts with a free 15-minute consult to look at your situation. If bankruptcy is a fit, you and I speak to confirm your eligibility. No cost to find out where you stand.
Every county in Maryland. The whole process is handled remotely, by phone and video, so where you live in the state does not matter.
Most people who call are asking one of these
Do I even qualify for Chapter 7? The means test decides it, and most people have never had it run correctly. Plenty of working people qualify, and finding out is free.
Will I lose my house or car? Usually no. Maryland exemptions protect a great deal, and Chapter 13 exists specifically to let you keep property and catch up.
What will it do to my credit? A fair question people are afraid to ask. You get the honest version, including how people rebuild afterward.
You have been sued. A creditor lawsuit heading toward judgment. There is usually still room to act.
You are behind on the house or car. Chapter 13 can let you catch up arrears over time while you keep the property.
Your bank account froze. A levy can empty an account with no warning. Timing matters, so do not wait to call.
What actually happens in the 15 minutes
No sales pitch. No pressure. If bankruptcy is not the right fit, you will be told so plainly.
You share what is happening. Income, what you owe, what is being taken, and what you are trying to protect. Rough numbers are fine.
You hear where you stand. Whether you likely qualify for Chapter 7, whether Chapter 13 fits better, and what happens to your house, car, and wages.
You decide. You leave knowing your options and what each one costs. If you qualify and want to move forward, you speak with attorney McNair to confirm, also free.
Chapter 7 and Chapter 13, in plain English
Chapter 7 is a liquidation. Qualifying unsecured debt, things like credit cards, medical bills, and personal loans, can be discharged. You have to pass the means test, and Maryland exemptions protect a meaningful amount of what you own. Cases typically move in months.
Chapter 13 is a repayment plan. You keep what you have and pay back a portion over three to five years on a court-approved plan. It is the tool that cures mortgage arrears and stops a repossession while you catch up.
Questions people actually ask
Is the consultation really free, and is it really only 15 minutes? Yes to both, and there is no charge at any point in the consult. The initial consult and the follow-up with attorney McNair to confirm your eligibility are both free.
Do I have to come to an office? Is this all virtual? It is fully remote. The consult and the entire case are handled by phone and video, so it works the same whether you are in Baltimore, Montgomery or Prince George's County, the Eastern Shore, Western Maryland, or anywhere else in the state.
Do you practice outside Maryland? Middleton Legal is focused on Maryland. If you are outside Maryland, say so on the call and you will be pointed somewhere useful.
You do not have to decide anything today
Fifteen minutes. No cost. You will leave the call knowing your actual options.
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.
Middleton Legal. Sheereen E. McNair, Esq. Serving all of Maryland. This page is attorney advertising and general information, not legal advice for your situation. Contacting the firm does not create an attorney-client relationship. Middleton Legal represents clients in Maryland.
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