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College Park Legal Blog

Bankruptcy's impact on college students

There are a variety of reasons why someone ultimately needs to file for bankruptcy. The most common explanation is medical bills, according to an article from USA Today. Another common explanation is the rising cost of attending college.

Many students end up taking out loans to get an undergraduate degree. However, students every year also get into too much debt simply because they do not know how to handle their finances on their own. It is easy to accumulate too much debt when you get a credit card for the first time.

How college students can avoid driving while intoxicated

The first week back at school is right around the corner for many college students. A new year brings new possibilities. However, one wrong step can put an academic career into serious jeopardy, and one of the biggest mistakes to make is driving under the influence of alcohol.

A first DUI offense could lead to one year in jail and/or a fine of up to $1,000 in the state of Maryland. It could also lead to loss of academic scholarships or expulsion from the university entirely. No party is worth it. This year, students should make sure that they and their friends are safe. Some simple tips can allow students to go to parties with peace of mind.

The disadvantages of self-representation for criminal charges

If you are facing criminal charges in College Park, you may think that you can represent yourself to resolve the situation. Regardless of the charges you face, you should never dismiss your right to legal counsel. Criminal charges are not something to make light of. They come with serious consequences that can affect you throughout the rest of your life. 

To better understand why you should work with a criminal defense attorney, here is a brief overview of the disadvantages of self-representation. 

What are the leading causes of bankruptcy?

When you have overwhelming debts that you cannot pay, the pressure can quickly take a toll on your physical and emotional health and affect your personal and professional relationships. Bankruptcy is an option that allows you to obtain some type of fresh start and give you hope for your financial future. To decide whether it's the right choice for you, it is important to understand what types of debt cause most people to file for bankruptcy.

What debts can I not discharge in Chapter 7 bankruptcy?

Any Maryland resident can fall on hard times financially. If you have reached the point where you can no longer pay your debts and other expenses, you are likely considering your options to have some, if not all, of your debts eliminated. One option you may have considered is filing for Chapter 7 bankruptcy. Known as a liquidation bankruptcy, Chapter 7 allows you to discharge some of your debt so that you can begin to rebuild your finances. However, you need to understand what debt you cannot eliminate through this type of bankruptcy.


The Law Office of Ronald L. Schwartz
4907 Niagara Road Suite 103
College Park, MD 20740

Phone: 301-892-3410
Fax: 301-474-6607
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