Morris Margulies Morris Margulies 2026-07-09T15:38:43Z https://www.law-margulies.com/feed/atom/ WordPress /wp-content/uploads/sites/1605343/2026/02/cropped-morris-margulies-site-identity-32x32.png On Behalf of Morris Margulies LLC <![CDATA[Chapter 13 repayment plan: Calculating your monthly payments]]> https://www.law-margulies.com/?p=50247 2026-07-09T15:38:43Z 2026-07-09T15:38:43Z The disposable income formula The first step is to determine your current income by averaging all income received during the six months before filing, excluding Social Security. Then you subtract all reasonable and necessary expenses along with required payments. The remaining amount is your disposable income and determines what you may pay creditors in a Chapter 13 repayment plan.

Priority and secured debt requirements

Certain debts are priority obligations that you must pay in full through the repayment plan, including:
  • Past-due child support
  • Alimony payments
  • Some recent tax debts
If you are behind on your mortgage or car loan payments, Chapter 13 also allows you to catch up while keeping your home or vehicle. Instead of paying the full arrears immediately, the past-due amount is spread over the payment period (three to five years).

The best interest of creditors test

Unsecured creditors, like credit card companies and medical bill providers, must get at least as much in Chapter 13 as they would in Chapter 7. If the Chapter 13 plan would pay less than that amount, it will not satisfy the test. Additionally, Maryland exemption laws decide which property you can keep in Chapter 7. Every dollar of equity you can successfully exempt is a dollar you do not have to pay your unsecured creditors in Chapter 13.

Role of the bankruptcy trustee

The trustee reviews your Chapter 13 plan and budget to ensure the payments are realistic, manageable and proposed fairly before the judge’s final decision. If your financial situation changes, the trustee may sometimes adjust your payments.

Why accuracy matters

Maintaining accurate numbers and a realistic budget is essential to getting a Chapter 13 plan confirmed. A lawyer can help ensure your plan serves your best interests while keeping it on track throughout the repayment period.]]> On Behalf of Morris Margulies LLC <![CDATA[Who is liable for a drunk driving crash?]]> https://www.law-margulies.com/?p=50244 2026-06-19T00:14:06Z 2026-06-19T00:14:06Z The drunk driver People who break the law are usually liable for the consequences of their decisions. Impaired drivers may need to provide insurance coverage to those affected by a wreck. If they lack enough insurance, then the people affected by the crash could file a lawsuit against them.

The drunk driver’s employer

Many people drive for work, at least occasionally. Functional alcoholics and those who might have opportunities to drink during the day could be on the clock while driving drunk. Employers are typically liable for the negligence or misconduct of workers performing job tasks that cause harm to others. If a drunk professional causes a crash while working, their employer might be partially liable. Maryland laws largely limit the liability of businesses and social hosts in scenarios involving drunk driving collisions. Most of the time, the drunk driver is the party liable for all collision expenses, unless they were working when the wreck occurred. Reviewing the circumstances of a drunk driving collision with a skilled legal team can help people explore different options for covering their costs. Litigation and business insurance claims can potentially help those with significant losses that a drunk driver’s insurance may not cover.]]> On Behalf of Morris Margulies LLC <![CDATA[How to improve your chances of a successful Chapter 7 filing]]> https://www.law-margulies.com/?p=50243 2026-06-11T16:57:50Z 2026-06-11T16:57:50Z Nobody approaches bankruptcy without some measure of anxiety. The system is unfamiliar, and the stakes are high.  Knowing what you can do to make the process go more smoothly is one way to manage. The following things cannot guarantee that your application will succeed, but they can certainly boost its chances.

Do a little research before you start

However eager you are to get started with the process, it’s best to take a little time to familiarize yourself with the information and requirements. This can reduce the chance of oversights that delay or lead to the refusal of your application. For example, understanding the financial disclosures you need to make can help you get your documents and information organized in advance. Understanding the exemptions available to you for certain pieces of property may also ease your mind.

Double-check all the information you submit

A mistake can delay things. What’s more, certain mistakes might be viewed by a bankruptcy court with suspicion as an intentional attempt to manipulate the system. You need to be sure that the figures you provide on your financial disclosures are correct and that you have remembered to include everything. Taking your time now can save a lot of stress later. 

Have a plan for your financial recovery

Entering the bankruptcy process with a clear and realistic vision of how you wish to emerge is best. Researching post-bankruptcy credit options, like secured cards, can help you navigate your new reality and recover faster.  If you are at the point where you are considering bankruptcy, then you are likely under considerable stress from your debt and its effect on your life. This can make thinking clearly challenging, so seeking legal guidance really is a good idea.]]> On Behalf of Morris Margulies LLC <![CDATA[Top reasons for individual bankruptcy filings]]> https://www.law-margulies.com/?p=50242 2026-06-11T09:00:56Z 2026-06-11T09:00:56Z Everyone's financial situation is unique, so every bankruptcy filing will have its own specific basis. Not everyone's financial picture looks the same. That being said, there are a few common reasons that drive many bankruptcy filings. It can be helpful to understand why people file for bankruptcy, especially because it often relates to things outside of their control.

Job loss

For example, it is very common for people to take on some level of debt based on their income. This includes mortgage loans, car loans, credit card charges and things of this nature. But if a person loses their job, it means that a previously sustainable and carefully planned budget no longer works.

Medical expenses

Medical emergencies can also create very high medical bills almost overnight. People often focus on their own health and wellness, even if the treatment they need is expensive. This is especially true for parents who are looking out for the well-being of their children. In an emergency, even if they know they cannot afford medical care, they are still going to take on that debt because the child's health is more important to them.

High interest rates

Another thing to look for is high interest rates, especially when it comes to credit cards. Credit card debt is often linked to bankruptcy filings, and part of the problem is that even paying the minimum balance every month is not enough. With high interest rates, the total balance may just keep going up, and someone can get trapped in a spiral of debt.

Exploring your bankruptcy options

Have you seen any of these financial issues in your own life? If so, it is important to understand bankruptcy and all of your legal options. ]]> On Behalf of Morris Margulies LLC <![CDATA[Facts to know about distracted driving ]]> https://www.law-margulies.com/?p=50228 2026-05-21T14:53:28Z 2026-05-21T14:53:28Z Victims of distracted driving accidents often suffer serious physical, emotional and financial consequences. Many crashes happen because another driver chooses to text, use social media, eat, or focus on something other than the road. Accidents related to distracted driving can leave the victims with effects that can last long after the accident. Medical treatment, lost income, emotional distress and vehicle damage can create major hardships that affect both individuals and families.

How distracted driving causes serious accidents

Distracted driving happens when a driver takes their attention away from safely operating a vehicle. Common distractions include texting, adjusting navigation systems, reaching for objects or using a cellphone while driving. Even a few seconds of distraction can lead to devastating crashes and victims are often left dealing with painful injuries, lengthy recovery periods and unexpected financial stress caused by another person’s careless actions.

What charges does distracted driving attract?

In many instances, distracted driving begins as a traffic offense. Depending on the particular circumstances, drivers may face charges connected to reckless driving, vehicular assault or other serious offenses.  Police investigations, cellphone records and witness statements are important pieces of evidence after the crash.

What victims may be entitled to recover

Victims of distracted driving accidents may have the right to seek compensation for their losses, which can include medical expenses, lost wages, rehabilitation costs, pain and suffering and vehicle repairs.

Protecting yourself after a distracted driving crash

After an accident, victims should seek medical attention immediately and document as much evidence as possible. Photos, police reports, medical records and witness information can all support a future claim. Additionally, seeking experienced and reliable legal guidance may help victims better understand their rights and possible compensation options after a distracted driving accident.  ]]> On Behalf of Morris Margulies <![CDATA[The danger of turning left through stopped traffic]]> https://www.law-margulies.com/?p=50152 2026-05-05T11:12:30Z 2026-05-05T11:12:30Z Turning left is often dangerous. There’s an elevated accident risk when someone is turning left at an intersection, when they are crossing oncoming traffic lanes to turn into a driveway, and especially when there is an obstructed view. One common example of this is when someone needs to make a left turn across two or more lanes. They may be waiting to turn when traffic stops in the lane closest to them. One of those drivers may recognize that they are trying to turn and wait, giving them space to cross. But the problem is that there is a driver who is waiting in the leftmost lane, who may have an obstructed view. They cannot see the car that is turning left, so a driver who turns through the gap could still be involved in a serious collision.

How can you avoid this accident?

If you have no choice but to turn left, it is very important to go slowly, to pay careful attention to the cars around you, and to wait until there is a safe gap in both travel lanes. It can be difficult to see, but you should never make a turn without being fully sure that you can do so safely. If you do not feel confident that you can safely complete the turn, it may be best to seek an alternative route. It can take longer to go around the block and make three right turns, for example, but it may be much safer to do so. Planning the route in advance can be helpful, along with giving yourself extra time to arrive at your destination. Even if you take these steps to stay safe, you could still be involved in an accident with another negligent driver who makes a mistake. If you suffer injuries during a left-turn crash, you may deserve compensation for medical bills, lost wages and more.  ]]> On Behalf of Morris Margulies <![CDATA[Crucial steps to follow when filing for business bankruptcy]]> https://www.law-margulies.com/?p=50153 2026-04-16T18:10:47Z 2026-04-16T18:10:47Z Filing for business bankruptcy is a significant decision that can impact your finances, operations, and future opportunities. Business bankruptcy is not always the end of a company since in many cases, it provides a structured way to manage debt, protect assets, and create a path toward recovery. Taking the right steps early can make the process smoother and more effective.

Assess your financial position

Before taking formal action, review your business finances in detail. This includes debts, cash flow, assets and outstanding obligations. Understanding your financial position helps you determine whether bankruptcy is the right option and prepares you for the documentation required during the filing process.

Gather all essential business records

Accurate records are critical when filing for business bankruptcy. You will need documents such as tax returns, financial statements, asset lists and details of creditors. Organizing this information early ensures that your filing is complete and reduces delays. It also helps present a clear picture of your business operations and liabilities.

Understand your bankruptcy options

Different types of business bankruptcy serve different purposes. Some focus on closing operations and liquidating assets, while others allow the business to continue operating under a structured repayment plan.

Prepare for interaction with a trustee

Once your case is filed, a trustee is usually assigned to review your financial details. This process involves verifying your records and identifying assets that may be used to repay creditors. Being prepared for this step ensures transparency and helps avoid complications. Clear documentation and honest reporting are essential throughout this stage.

Final thoughts

Filing for business bankruptcy can be challenging, but it also offers an opportunity to reset and move forward with better financial structure. Careful preparation and informed decisions are key to navigating the process effectively. Seeking proper and reliable legal guidance can help you understand your responsibilities and choose the best approach for your business situation.]]> On Behalf of Morris Margulies <![CDATA[3 serious injuries possible in rear-end collisions]]> https://www.law-margulies.com/?p=50154 2026-03-31T23:49:52Z 2026-03-31T23:49:52Z 17% of all two-vehicle collision fatalities. They can also easily put people in the hospital. If vehicle occupants sustain any of the three types of injuries briefly described below in a rear-end crash, they may incur medical expenses and lost wages that make insurance coverage alone insufficient.

1. Broken bones

Many people brace before impact if they notice the car approaching rapidly from behind. Even if they do not, the force of impact can easily break bones. Treatment costs and lost wages caused by fractures can add up to a substantial financial setback after a rear-end crash.

2. Traumatic brain injuries

Many people hit their heads on the steering column or the dashboard during a rear-end crash. The blunt-force trauma sustained during the incident can cause inflammation or bleeding inside the skull. Brain injuries range from concussions that may heal over time to more serious injuries that permanently change the structure of the brain.

3. Spinal cord injuries

The abrupt back-and-forth movement of a vehicle in a rear-end crash scenario could pinch, tear or even sever a person's spinal cord. They may then experience mobility impairment or a total loss of function and sensation below the injury site. Even though people may not think of rear-end crashes as especially severe, they can result in devastating consequences. Working with the lawyer to address the aftermath of a rear-end car crash can help people limit the financial hardship caused by a wreck accordingly.]]> On Behalf of Morris Margulies <![CDATA[Who qualifies for a Chapter 7 bankruptcy?]]> https://www.law-margulies.com/?p=50155 2026-03-20T14:45:25Z 2026-03-20T14:45:25Z Chapter 7 filers must have below-average income Qualifying for Chapter 7 bankruptcy requires that a person pass a means test. Means testing looks at an individual's annual income, which they calculate based on their wages over the last six months. They can adjust their income for specific allowable expenses. They must then compare their adjusted income to the state median income based on household size, and only those below the applicable median income are eligible. The Justice Department provides figures that assist with the means testing process. Individuals who are close to qualifying for Chapter 7 bankruptcy may require support during means testing and determining if Chapter 7 bankruptcy is the right option for them. Discussing financial challenges, household income and personal assets with a lawyer can help people choose the best solution for overwhelming debt. Chapter 7 bankruptcy can help those with qualifying income rapidly discharge their eligible debts and work toward a more sustainable household budget.]]> On Behalf of Morris Margulies <![CDATA[Can one spouse file for bankruptcy without the other?]]> https://www.law-margulies.com/?p=50156 2026-03-17T19:02:54Z 2026-03-17T19:02:54Z If you’re struggling with debt and wondering whether you can file for bankruptcy without your spouse, you’re not alone. It’s a dilemma many couples face since financial obligations often intertwine in marriage. In Maryland, the short answer is yes. One spouse can file for bankruptcy without the other. That said, doing so requires careful planning to protect both individual and joint interests. Here’s more on this.

Make an informed decision

Before deciding to go it alone, assess your financial situation. What kind of debts do you have? Are they individual debts, such as personal credit cards or medical bills in your name, or joint debts, like a mortgage or a car loan shared with your spouse? Understanding this distinction is crucial because filing individually only affects your personal liabilities. Your spouse could still be responsible for any joint obligations, even if they are discharged on your part. It’s equally important to review your assets. Maryland law has bankruptcy exemptions that let you keep certain amounts or types of property safe, which means you don’t have to sell them to repay debts. When one spouse files alone, joint property could be at risk depending on how it’s titled.

Get professional assistance

Filing for bankruptcy is a significant step, and proceeding without proper insights can have unintended consequences. One wrong move can leave your spouse financially exposed or create complications that are difficult to undo. This is why you shouldn’t overlook having qualified legal support before getting started.  With the right guidance, you can ensure your filing is structured correctly, protects shared assets and minimizes unexpected financial or legal issues that may affect both you and your spouse. That way, bankruptcy can become a tool for relief and a fresh start, rather than a source of additional stress.]]>