# Guerami Law Firm — Full Site Content > Maryland attorneys specializing in bankruptcy, debt settlement, commercial debt settlement, debtor protection, judgment contests, debt collection harassment defense, and collection lawsuit defense. ## Contact Information - **Office:** 3 Bethesda Metro Center, Suite 700, Bethesda, MD 20814 - **Phone:** (240) 372-5225 - **Email:** info@gueramilaw.com - **Hours:** Monday–Friday, 9:00 AM – 5:00 PM - **Free consultations available** --- ## Practice Areas ### Bankruptcy Law Guerami Law Firm helps Maryland residents and businesses navigate federal bankruptcy courts. Options include Chapter 7 (liquidation), Chapter 11 (business reorganization), and Chapter 13 (repayment plans). The firm evaluates each client's financial situation to recommend the most appropriate path to debt relief. ### Chapter 7 Bankruptcy Chapter 7 bankruptcy provides complete debt elimination for qualifying individuals. Most unsecured debts — including credit cards, medical bills, and personal loans — can be discharged in 3–4 months. Maryland has specific exemptions that protect certain property during the process. ### Chapter 11 Bankruptcy Chapter 11 allows businesses to reorganize their debts while continuing operations. This option is suitable for companies that are viable but need to restructure their financial obligations. The firm helps businesses develop reorganization plans that satisfy creditors while preserving the business. ### Chapter 13 Bankruptcy Chapter 13 provides a court-supervised repayment plan over 3–5 years. This option allows individuals to keep their property — including homes facing foreclosure — while catching up on past-due debts. At the end of the plan, remaining qualifying debts are discharged. ### Debt Settlement Debt settlement involves negotiating directly with creditors to reduce the total amount owed. This can be an alternative to bankruptcy for individuals who want to avoid court proceedings. The firm negotiates on behalf of clients to achieve the largest possible reductions. ### Commercial Debt Settlement For businesses facing debt challenges, the firm provides strategic negotiation services to resolve commercial debts. This approach protects vendor relationships, avoids costly litigation, and helps businesses maintain operations while addressing their financial obligations. ### Judgement Contests When a court judgment has been entered against a client, the firm evaluates whether grounds exist to challenge or vacate the judgment. This includes reviewing procedural defects, improper service, or substantive errors that may invalidate the judgment. ### Debt Collection Harassment Federal law (FDCPA) and Maryland state law prohibit abusive debt collection practices. The firm helps clients stop harassment from debt collectors, file complaints, and pursue damages when collectors violate the law. ### Debtor Protection Maryland law provides various protections for debtors, including wage garnishment limits, property exemptions, and protections against certain collection actions. The firm helps clients understand and assert these rights. ### Collection Lawsuit Defense When creditors file lawsuits, the firm provides defense strategies including challenging the debt's validity, negotiating settlements, and asserting affirmative defenses. Early intervention often leads to more favorable outcomes. --- ## Service Areas Guerami Law Firm serves clients throughout the entire state of Maryland, including all 24 counties and Baltimore City. Major service areas include: Baltimore, Annapolis, Rockville, Silver Spring, Columbia, Germantown, Frederick, Waldorf, Glen Burnie, Ellicott City, Bethesda, Bowie, Towson, Salisbury, Hagerstown, Laurel, College Park, Gaithersburg, and over 100 additional cities and communities. --- ## Frequently Asked Questions Common topics include: differences between bankruptcy chapters, eligibility requirements, how long bankruptcy stays on credit reports, alternatives to bankruptcy, the debt settlement process, protections against wage garnishment, how to stop debt collector harassment, and the timeline for various debt relief options. --- ## How to Get Help 1. Call (240) 372-5225 or email info@gueramilaw.com for a free consultation. 2. Take the online debt relief quiz to explore your options. 3. Visit the office at 3 Bethesda Metro Center, Suite 700, Bethesda, MD 20814.