I am a bankruptcy attorney licensed to practice law in the states of Georgia (1993), District of Columbia (1994) and Maryland (1995). I represent chapter 7 and chapter 13 bankruptcy individuals before the federal bankruptcy courts of Maryland , District of Columbia and the Northern District of Georgia. I have helped hundreds of Maryland, Washington, DC, and Georgia chapter 7 and chapter 13 debtors file bankruptcy and obtain a fresh start. While bankruptcy may not be for everyone, the laws are there to help those who have suffered financial setbacks due to divorce, medical emergencies, credit card overuse, unemployment or whatever hardships make it difficult to pay your bills.