You bought a home to make your life better, not worse.
Remember when you first
thought about buying your home? How exciting it was, the
thought of a permanent place to call your own? A safe place
for your family to live, free from the hassles of rent?
The closing went by in a
blur, a pile of papers to sign. Maybe they explained them to
you, maybe not. You signed whatever they put in front of you,
anxious to get it over with and move into the home you’d worked so hard
Everyone was in such a
good mood at the closing. The brokers, the title closers, the
lawyers, even the bank were smiling and happy, congratulating you on
your bright future.
That first night in the
house was like a slice of heaven. Boxes everywhere, but what
did it matter? You finally owned a piece of the American
American Dream turned into the American Nightmare.
Somehow, the house was
more expensive that you thought. Little things added up fast –
fix the roof, broken pipe, property taxes, insurance . . . the list
seemed to go on forever.
But the house was
yours. It was tight, but things weren’t so bad. At
least you were building equity.
Then, one day, something
A job loss, illness, an unexpected expense that
put you behind just a few dollars.
tried to do the right thing, but the mortgage company didn’t want to
hear about it.
That first month, you
paid what you could. It wasn’t enough to make the full
payment, but you wanted the mortgage company to know you were trying to
live up to your end of the bargain.
What did they
do? They hit you with a late fee and sucked your money into
something called a “suspense account.” And then they demanded
two full payments.
credit cards started getting backed up. After all,
the choice was between the mortgage and Visa – it was pretty easy to
decide who would get whatever money you had.
You called the credit
card companies to let them know about the problem, and to ask for them
to work with you. But what did they do?
They raised your interest
rate, lowered your credit limit, tacked on late fees and finance
charges, and threw you into collections!
went from bad to worse. Fast.
The increased interest
rate made the payments unaffordable. After all, you were
already just scraping by – how did they expect you to pay these bills
and still feed your family?
Then the phone calls
started coming. It felt like they were ganging up on you,
calling one after the other. At home, at work. One of
the creditors even started calling your family members trying to find
So you did what anyone
would do – you stopped answering the phone. Every
time it rang, you jumped a little bit and prayed for a
miracle, maybe a huge raise at work or even a new job that would rescue
you from the bills.
mortgage company was starting to send letters threatening to take away
the house. They wanted payment in full for all the
backed up payments, but there was no way that was going to happen.
It seemed like a bad
dream. Everything you worked so hard for was going up in
smoke. You needed some help, and fast.
Maybe a refinance would
do the trick, help you bail out of this bad loan and get into something
a little better. But with your credit in such bad shape there
was no way you could qualify for a reasonable interest rate.
The bank was no help,
either. They kept telling you they could restructure the
mortgage for you, and you filled out a lot of papers, but your phone
calls weren’t getting returned and they kept "losing" your papers. They were dragging their feet
while the clock was ticking.
Then there were the
“foreclosure rescue” outfits, shady characters who promised the moon
and stars. Something just didn’t seem right about them—they
were going to make a lot of money...off of the hard-earned equity in your
You were running out of
options, and it felt like there was no way to get out of it.
secret is that there is a real way — a legal, honorable way — to get
out from under this crushing weight of overdue bills. For good.
The solution for lots of
people in this situation is bankruptcy. Stop the foreclosure,
keep the credit cards in check, and take a step back while you work on
reorganizing your finances.
But everyone keeps
telling you bankruptcy is the worst thing you could do.
NOT TRUE! In
fact, bankruptcy gives you the chance to end your bill problems and
re-build your life once and for all. Bankruptcy stops
foreclosures, lawsuits, judgments and harassing collection letters at
home and at work. Period.
illness, divorce, wages that simply do not keep up with the
ever-spiraling cost of living. These are just some of the
reasons why so many honest, hard-working individuals and families in
Maryland and Washington, D.C. find themselves in financial distress.
Many people don’t realize
that Chapter 7, Chapter 11 or Chapter 13 may be a way to get a fresh financial
start. But due to an incredible amount of false information, this may
sound frightening. In fact, a lot of people walk around thinking that
there’s no help for them, and no way out.
a lawyer who’s got the guts to tell you the truth about bankruptcy —
and to let you know if it’s not right for you.
My name is Brett Weiss, and for the past thirty years I’ve fought hard
for consumers throughout Maryland and Washington, D.C. I’ve put my
heart and soul into helping people fight back against abusive debt
collectors and the big banks that make you live your life in fear.
The fact is that
most bankruptcy lawyers just want one thing, and that’s to get people
to file for bankruptcy. It’s how they earn a living, after
all. I do things a little differently. I know that bankruptcy
isn’t the answer to every problem, which is why I’ll never try to
shoehorn you into a bankruptcy filing unless it’s absolutely the right
solution for you.
The bottom line is this:
my job is to take care of my clients, to make sure that they get what they
need, not what I need.
me? Listen to some of the other people I’ve helped.
never got a chance to thank you for helping me with my case. I can't
tell you how much I appreciate your help. Thanks again and I will
certainly recommend you to all my friends and family.
Weiss is an excellent attorney. He mixes the legal protection of his
clients with outstanding caring and concern. I trust Mr. Weiss and his
staff to represent me personally and to represent my business. I
recommend Mr. Weiss to anyone needing legal representation. Once a
client of Brett Weiss - ALWAYS a client.
are a man of integrity and compassion! I am blessed and comforted to
have been recommended to you! I will be honored and privileged to have
you as my attorney in this matter!
mother and I want to express our appreciation for your efforts and
continued efforts in resolving [client’s] Chapter 13 case. I found your
approach to the case very interesting and needless to say not without
can tell you the level of service between what you have provided and my
previous attorney does not come close in comparison from whatever
perspective I compare the two.
If Brett Weiss walked into my courtroom, I would pay attention.
-O. Max Gardner, III, Esquire
Founder of Max Gardner's Bankruptcy Boot Camps
a Chapter 7, Chapter 11 or Chapter 13 right for you? Can an attorney help end your financial problems?
The credit industry
doesn't want you to know the facts about bankruptcy. They want to keep
you in the dark because that makes it more likely you'll just pay
up — even if it means you won't be able to take care of your family.
Want some independent
proof of how credit card companies take advantage of people? Click here
The Secret History of the Credit Card, a special that aired
on PBS Frontline.
Whether Chapter 7
, Chapter 11 or Chapter
13 is right for you, I can help you get a fresh start and get
your personal finances back on track. You'll get an honest opinion from
an attorney who will fight for you.
owe it to yourself—and to your family and loved ones — to get the facts.
The bottom line is this:
Americans are in more debt now than ever before. And credit card and
mortgage companies do everything possible to keep you in debt. Using
scare tactics and outrageous fees, it's easy for an honest,
hard-working person to fall into a downward spiral. You need help, and that's why I'm here.
Sign up for free
information. Sit back and read through this site. Learn what your
rights are. Get the facts, all at no cost. Then, when you're ready to
end your bill problems and jump start your good credit, call me at 301.924.4400.
Set up a confidential, no-obligation case review.