Recovering from your bankruptcy
Maronick Law Blog
by ryan.burch@thomsonreuters.com
1d ago
Filing for bankruptcy could be a highly positive step in the right direction for people who are interested in rebuilding their financial situation. Following all the necessary steps during the bankruptcy process could lead a Maryland debtor to embark on life with a clean financial slate. Once bankruptcy ends, avoiding mistakes that could lead back to fiscal woes becomes necessary. Post-bankruptcy approaches Devising an adequate budget will be helpful, as the proper budget might prevent someone from overspending. Overspending on unnecessary things may deplete cash and force borrowing at other t ..read more
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Car loans and bankruptcy
Maronick Law Blog
by ryan.burch@thomsonreuters.com
5d ago
Filing for bankruptcy provides an opportunity to discharge some or all of your debts without the need to give up property such as a Maryland home. However, it may complicate your efforts to apply for vehicle financing as the bankruptcy remains on your credit report for up to 10 years. How lenders view bankruptcy There is no amount of time that you have to wait after filing for bankruptcy before attempting to apply for a vehicle loan. However, if you file for Chapter 13 protection, you will need to get permission from the bankruptcy court before the loan can go through. In addition, lenders may ..read more
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What appears in a background check?
Maronick Law Blog
by bkabritsor
1w ago
Seeking a new job or pursuing other major opportunities in life may require a background check. What these checks reveal depends on state and federal laws. Learning more about background checks can help you protect your rights and privacy. It is beneficial to understand what information can legally be disclosed about you and how you can potentially correct or dispute inaccuracies in your background report. Background checks Criminal history is a key part of nearly all background checks. A criminal background check lists past convictions, arrests, sentences and court records. Most states, inclu ..read more
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The devastating effects of texting while driving
Maronick Law Blog
by ryan.burch@thomsonreuters.com
1w ago
It is not uncommon to see someone texting while cruising in Maryland. Driving while using a cell phone leads to thousands of car accidents yearly around the country. Why texting and driving is dangerous Texting and driving pose a greater risk than simply talking on the phone while behind the wheel due to the multiple layers of distraction involved. Visually, drivers are diverted by looking at the screen, manually by typing on the digital keyboard, and cognitively by formulating messages. Studies suggest that texting while driving can impair reaction times to a similar extent as consuming alcoh ..read more
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How to Expunge a DUI PBJ in Maryland: It Soon Can (Finally) Happen!
Maronick Law Blog
by ryan.burch@thomsonreuters.com
1w ago
Since 1998, Maryland has taken a stand on DUI PBJs — probation before judgment — that prevents them from being expunged. Current Maryland law is that anyone with a DUI or DWI PBJ is not eligible for expungement. As a result, DUI offenders who have been offered a PBJ have been able to avoid conviction but have not had the benefit of expungement. A DUI PBJ would forever remain on their record, until now. Senate Bill 118, allows expungements of PBJs for DUI, DWI, and DUI per se (a blow score of .08 or higher) IF: Fifteen (15) years have passed since the COMPLETION of any probation imposed (not th ..read more
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The link between daylight saving time and car accidents in Maryland
Maronick Law Blog
by ryan.burch@thomsonreuters.com
1w ago
Daylight Saving Time is more than just “springing forward” or “falling back.” The annual time change directly impacts people’s daily routine, sometimes with unintended consequences. A common occurrence is the rise in road accidents in Maryland during this time of the year. Here’s why that happens. Daylight saving time Daylight Saving Time (DST) is a seasonal practice where people adjust their clocks forward by one hour to extend daylight hours into the evening. It usually starts on the second Sunday in March and ends on the first Sunday in November. The chronological shuffle’s effect on commut ..read more
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4 tips for divorce talks when both spouses want to keep the house
Maronick Law Blog
by bkabritsor
1w ago
It is common for both spouses to want to keep the marital home in a divorce. Of course, this is usually not practical. Maryland, like many states, follows equitable distribution laws. Assets acquired during the marriage typically undergo fair but not necessarily equal division. Keep a few things in mind if you are in talks to keep the home. 1. Your financial situation Both spouses should comprehensively understand their financial standing. This includes assessing the mortgage balance, property value and any outstanding debts associated with the home. Both of you also need to have a handle on y ..read more
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Can you make too much money to file for bankruptcy in Maryland?
Maronick Law Blog
by bkabritsor
1w ago
In Maryland, people may consider filing for bankruptcy to seek relief from overwhelming debt. However, there is a common misconception that they must have a low income to qualify for bankruptcy protection. Contrary to this belief, there is no specific income threshold that disqualifies individuals from filing for bankruptcy in Maryland. Means test for bankruptcy The median household income in Maryland is $98,461. For bankruptcy, the focus is not solely on income but rather on the individual’s overall financial situation. The bankruptcy court assesses various aspects of an individual’s financia ..read more
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Maryland Boating Penalties Will Increase This Summer
Maronick Law Blog
by ryan.burch@thomsonreuters.com
2w ago
Boating under the influence (BUI) and boating while intoxicated (BWI) will come with stronger penalties under a bill sent to Maryland’s governor for signature. The bill prohibits a person from operating a vessel on Maryland waters for up to two years if convicted of operating or attempting to operate a vessel while under the influence of alcohol. The time limit under existing law is, at most, one year. If the violation results in the death of another, courts may prohibit convicted persons from operating a vessel on Maryland waters for up to five years. The bill also requires the Department of ..read more
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Understanding types of electrical injuries and their prevention
Maronick Law Blog
by bkabritsor
2w ago
Electricity is essential for modern life, but it carries significant risks in both residential and industrial settings if mishandled. Knowing the types of electrical injuries and how to prevent them can help minimize these dangerous incidents. Electric Shock Electric shock is a common type of electrical injury, occurring when the body comes into contact with an electrical current. The severity of the shock depends on factors like voltage and duration of exposure. Symptoms include burns, muscle contractions and in severe cases, cardiac arrest. Electrical Burns Another type of injury is electric ..read more
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