Baltimore Attorney Thomas Maronick

Attorney's Profile

COLLEGE:
University of Maryland
LAW SCHOOL:
University of Baltimore
ATTORNEY SINCE:
2008
STATES ADMITTED:
Maryland
PRACTICE AREAS:
Bankruptcy, Criminal Defense, Litigation, Accidents, Family Law

Thomas J. Maronick Jr. is the founder and managing partner of The Law Office of Thomas J. Maronick Jr., LLC.

The law firm's mission is to fight for our clients whether that means bankruptcy, criminal defense, litigation, family law, or accidents.

Founder Thomas Maronick Jr is best known for several multi-million dollar, news-making civil cases as well as for a strong courtroom reputation in criminal defense.

Bankruptcy remains one of the firm's biggest areas, with a strong focus being placed on Chapter 7's especially, in courts from Greenbelt to Baltimore to Salisbury.

Mr. Maronick also is an active member of the Maryland State Bar Association, American Bar Association, Maryland Criminal Defense Attorneys Association, and the Baltimore City Bar Association.

The firm's home base in in Baltimore, but has offices in Bel Air and Berlin (near Ocean City) but Mr. Maronick has worked in all but eight of Maryland's 24 counties.

Mr. Maronick was formerly the deputy law clerk to the late Circuit Court Chief Judge John Prevas before beginning his career in earnest.

Mr. Maronick when not practicing law, is also known as "Tom Moore" - host of the radio program "The Tom Moore Show" on AM 680 WCBM in Baltimore, and frontman for a jazz band, with a CD available on I-Tunes, "Tom Moore: Restless Journey."

Attorney's Videos

A lender turned down my application because of something on my credit report. What can I do?
Credit Card Law

Are credit card companies required to give a grace period on purchases before beginning finance charges?
Credit Card Law

Are items such as bankruptcies and foreclosures removable from my credit report?
Credit Repair Law

Are there debts that I cannot discharge through bankruptcy?
Bankruptcy Law

Are there limits to what my credit card company can charge for late fees?
Credit Card Law

Are there restrictions in Maryland on when or where a debt collector can contact me?
Credit Card Law

Are there tax consequences to filing bankruptcy?
Bankruptcy Law

Can a bankruptcy filing help me get back my suspended license?
Bankruptcy Law

Can a creditor reduce, or not approve, my credit because of my age?
Credit Card Law

Can a debt collector contact my family, employer, or anyone else about my debt in Maryland?
Credit Card Law

Can a debt collector garnish my bank account or my wages in Maryland?
Credit Card Law

Can a debt collector keep contacting me if I do not think I owe any money?
Credit Card Law

Can creditors sue me after I file for bankruptcy?
Bankruptcy Law

Can entering a debt settlement program stop creditor lawsuits the way filing for bankruptcy can?
Debt Relief Law

Can I be forced to change between chapters in a bankruptcy case?
Bankruptcy Law

Can I convert from a Chapter 13 to 7 bankruptcy?
Chapter 13 Bankruptcy Law

Can I convert from a Chapter 7 to 13 bankruptcy?
Chapter 13 Bankruptcy Law

Can I discharge medical bills in bankruptcy?
Bankruptcy Law

Can I discharge my student loans in bankruptcy?
Bankruptcy Law

Can I file bankruptcy only on my personal or just on my business debts?
Bankruptcy Law

Can I file for bankruptcy if I haven't paid taxes for the last few years?
Bankruptcy Law

Can I get credit after bankruptcy?
Bankruptcy Law

Can I lose my IRA, 401k, or other retirement account in bankruptcy?
Bankruptcy Law

Can I not be approved for bankruptcy?
Bankruptcy Law

Can I put my assets in someone else's name before filing for bankruptcy?
Bankruptcy Law

Can I repair my own credit profile instead of paying a company to do it for me?
Credit Repair Law

Can I repay debts owed to relatives before filing for bankruptcy?
Bankruptcy Law

Can I represent myself in a bankruptcy case?
Bankruptcy Law

Can I save my home and other assets by filing for bankruptcy under Chapter 13?
Chapter 13 Bankruptcy Law

Can I settle a credit card debt on my own or do I need a debt reduction professional to erase my credit card debt?
Debt Relief Law

Can I use Chapter 7 bankruptcy to get rid of all my debts?
Chapter 7 Bankruptcy Law

Can my boss fire me for filing bankruptcy?
Bankruptcy Law

Can my credit card company change my rate?
Credit Card Law

Can my ex-spouse avoid paying child support if they file for bankruptcy?
Bankruptcy Law

Can my landlord evict me from my apartment after I file for bankruptcy?
Bankruptcy Law

Can my utility providers stop service if I file bankruptcy?
Bankruptcy Law

Can the bankruptcy court decide tax disputes?
Bankruptcy Law

Do all credit cards charge an annual fee?
Credit Card Law

Do bankruptcy laws vary from state to state?
Bankruptcy Law

Do banks consider how long I have been a customer before raising my interest rates?
Credit Card Law

Do both federal and state laws apply to credit cards?
Credit Card Law

Do credit card debt settlements need to be made all at once to achieve debt elimination?
Debt Relief Law

Do I have to list all my debts in a bankruptcy filing?
Bankruptcy Law

Do I have to pay my bills during a Chapter 7 or 13 bankruptcy?
Bankruptcy Law

Do I need to do credit counseling before filing for bankruptcy?
Bankruptcy Law

Do I need to use credit to rebuild my credit?
Credit Repair Law

Does Maryland have a law ensuring that creditors abide by the Fair Debt Collection Protection Act?
Debt Relief Law

Does a previous bankruptcy prevent me from filing bankruptcy again?
Bankruptcy Law

Does my spouse have to file bankruptcy with me?
Bankruptcy Law

Does paying off past due accounts help to improve my credit ratings?
Credit Repair Law

Does the Fair Debt Collection Practices Act apply to attorneys collecting debts?
Debt Relief Law

Does the Fair Debt Collection Practices Act apply to original creditors, or is it limited to third-party debt collectors?
Debt Relief Law

For what reasons can a creditor cancel my account?
Credit Card Law

How can bad credit be deleted?
Credit Repair Law

How can I receive a lower interest rate on my credit card?
Credit Card Law

How can I stop a debt collector from contacting me in Maryland?
Credit Card Law

How can I tell whether a debt settlement program is the best way for me to get out of debt?
Debt Relief Law

How difficult is it to file for Chapter 7 under the new bankruptcy laws?
Chapter 7 Bankruptcy Law

How do bankruptcy attorneys charge for their services?
Bankruptcy Law

How do creditors determine finance charges?
Credit Card Law

How do creditors find out about my income and assets?
Debt Relief Law

How do debt settlement firms stretch pay-off settlements out over several years?
Debt Relief Law

How do debt settlement firms work to help get me out of my credit card debt?
Debt Relief Law

How do I choose a bankruptcy attorney?
Bankruptcy Law

How do I determine if should file bankruptcy?
Bankruptcy Law

How do I fix an error on my credit report?
Credit Card Law

How do I get a copy of my credit report?
Credit Card Law

How do I know which bankruptcy chapter to file?
Bankruptcy Law

How do I prepare my bankruptcy payment plan?
Bankruptcy Law

How do I qualify for bankruptcy?
Bankruptcy Law

How does a Chapter 13 bankruptcy case begin?
Chapter 13 Bankruptcy Law

How does a Chapter 7 bankruptcy case begin?
Chapter 7 Bankruptcy Law

How does a credit card debt settlement affect my credit?
Debt Relief Law

How does a person's credit score affect their credit?
Credit Repair Law

How does the means test in bankruptcy work?
Bankruptcy Law

How is my credit score determined?
Credit Repair Law

How long do the credit bureaus have to respond to a dispute letter when credit repair is attempted?
Credit Repair Law

How long does information remain on my credit report?
Credit Card Law

How long does it take to remove bad credit information from my credit report?
Credit Repair Law

How long does the bankruptcy process typically take?
Bankruptcy Law

How long does the credit card debt settlement process take?
Debt Relief Law

How long will a bankruptcy filing remain on my credit record?
Bankruptcy Law

How many credit cards should I carry?
Credit Repair Law

How much does bad credit cost?
Credit Repair Law

How much interest can be charged on a credit card?
Credit Card Law

How much money am I responsible for, if someone uses my credit card without my consent?
Credit Card Law

How much will a typical credit card company or debt collector accept to pay off the debt?
Debt Relief Law

How much will the whole bankruptcy process cost?
Bankruptcy Law

How often, if ever, will I have to go to court during bankruptcy proceedings?
Bankruptcy Law

How will a bankruptcy filing affect my future finances?
Bankruptcy Law

I declared bankruptcy before. When can I file again?
Bankruptcy Law

If I am having problems paying my bills, what is the first thing I should do?
Bankruptcy Law

If I am sued by a creditor, will I be automatically liable for the debt if I do not dispute its validity?
Debt Relief Law

If I declare bankruptcy, can I lose my car?
Bankruptcy Law

If I declare bankruptcy, can I lose my house?
Bankruptcy Law

If I file for bankruptcy, can I keep my credit cards?
Bankruptcy Law

If I file for bankruptcy, does it mean my old bad debts are erased from my credit report?
Bankruptcy Law

If I lose my credit cards, what should I do?
Credit Card Law

If I owe money to more than one creditor, can I control which debts get paid?
Credit Card Law

If I use a credit counselor, can I get a better credit rating than if I go through bankruptcy?
Bankruptcy Law

If merchandise I purchase with a credit card is damaged, can the merchant still charge me?
Credit Card Law

In bankruptcy, what is the trustee?
Bankruptcy Law

Is cancellation of debt always taxable?
Debt Relief Law

Is credit repair legal?
Credit Repair Law

Is the IRS affected by my bankruptcy filing? Do I still have to pay back taxes and new taxes?
Bankruptcy Law

Is there a cooling off period on credit transactions?
Credit Card Law

Is there any advantage to paying some of my creditors?
Bankruptcy Law

Is there any downside to lengthening the credit card debt negotiation process?
Debt Relief Law

Is there any reason why I would want the credit card debt negotiation process to take longer?
Debt Relief Law

Is there free legal help available for bankruptcy?
Bankruptcy Law

Should I consolidate my debt?
Bankruptcy Law

Should I save credit card debt settlement funds alone, or allow the debt management firm to keep them in escrow for me?
Debt Relief Law

What actions does the Fair Debt Collection Practices Act require of debt collectors?
Debt Relief Law

What actions does the Fair Debt Collection Practices Act specifically prohibit?
Debt Relief Law

What are exempt assets in a bankruptcy proceeding?
Chapter 7 Bankruptcy Law

What are nonexempt assets in a bankruptcy proceeding?
Chapter 7 Bankruptcy Law

What are the advantages of filing for bankruptcy?
Bankruptcy Law

What are the different types of bankruptcy?
Bankruptcy Law

What are the disadvantages of filing bankruptcy?
Bankruptcy Law

What are the main effects of filing bankruptcy under Chapter 13?
Chapter 13 Bankruptcy Law

What are the major events in the bankruptcy process and when will the bankruptcy be over?
Bankruptcy Law

What are the most common mistakes I can make when filing for bankruptcy?
Bankruptcy Law

What are the most common reasons for Chapter 13 bankruptcy?
Chapter 13 Bankruptcy Law

What are the most common reasons for Chapter 7 bankruptcy?
Chapter 7 Bankruptcy Law

What are the penalties if a creditor breaks the law?
Credit Card Law

What assets are protected in bankruptcy?
Bankruptcy Law

What can be removed from my credit report?
Credit Repair Law

What can happen to me when I do not pay a debt?
Debt Relief Law

What can I do if a collector violates the Fair Debt Collection Practices Act?
Debt Relief Law

What can I do if I cannot meet my monthly credit card payments?
Debt Relief Law

What can I do if I have no credit at all?
Credit Repair Law

What can I do if my tenant filed bankruptcy?
Bankruptcy Law

What debts are erased by a bankruptcy, and what debts cannot be erased by bankruptcy?
Bankruptcy Law

What do I do if I will be late to pay my credit card bill?
Credit Card Law

What do I have to disclose about my finances in a bankruptcy filing?
Bankruptcy Law

What do I have to do to file bankruptcy?
Bankruptcy Law

What do I need to provide to my attorney in a bankruptcy case?
Bankruptcy Law

What does a Chapter 13 bankruptcy involve?
Chapter 13 Bankruptcy Law

What does Chapter 7 bankruptcy involve?
Chapter 7 Bankruptcy Law

What does it cost to file bankruptcy?
Bankruptcy Law

What does my credit score mean?
Credit Repair Law

What does the Equal Credit Opportunity Act cover?
Credit Card Law

What does the Fair Credit Reporting Act cover?
Credit Card Law

What does the Fair Debt Collection Practices Act cover?
Credit Card Law

What does the Fair Debt Collection Practices Act prohibit?
Debt Relief Law

What factors can a creditor not use in deciding to grant credit?
Credit Card Law

What happens after the payment plan is approved?
Bankruptcy Law

What happens if I am late or stop paying my bills?
Credit Repair Law

What happens if I do not dispute the debt's validity?
Debt Relief Law

What happens if I win my Fair Debt Collection Practices Act case?
Debt Relief Law

What happens to me personally if my corporation files bankruptcy?
Bankruptcy Law

What happens to my corporation if I file personal bankruptcy?
Bankruptcy Law

What happens to my credit score when I apply for credit?
Credit Repair Law

What happens when I file bankruptcy?
Bankruptcy Law

What if a collection agency calls me and says that my credit card debt cannot be discharged in bankruptcy?
Bankruptcy Law

What if deleted items reappear on my credit report?
Credit Repair Law

What if I cannot afford a bankruptcy attorney?
Bankruptcy Law

What if I cannot afford the whole bankruptcy process?
Bankruptcy Law

What if I cannot make the payments on my Chapter 13 bankruptcy plan?
Chapter 13 Bankruptcy Law

What if I cannot make the payments required under my bankruptcy court ordered plan?
Bankruptcy Law

What if I cannot pay non-dischargeable tax debt even over a five-year Chapter 13 bankruptcy plan?
Chapter 13 Bankruptcy Law

What if I forget to list a liability in my bankruptcy filing?
Chapter 7 Bankruptcy Law

What if I get many offers from a credit card company? When do I accept an offer as a viable debt elimination solution?
Debt Relief Law

What if I keep getting bills after I file bankruptcy?
Bankruptcy Law

What if the court does not approve my Chapter 13 bankruptcy filing?
Chapter 13 Bankruptcy Law

What if the court does not approve my Chapter 7 bankruptcy?
Chapter 7 Bankruptcy Law

What is a 341 hearing?
Bankruptcy Law

What is a bankruptcy mill?
Bankruptcy Law

What is a debt relief agency?
Debt Relief Law

What is a debt settlement program (or debt workout program)?
Debt Relief Law

What is a payment plan in bankruptcy?
Bankruptcy Law

What is bankruptcy?
Bankruptcy Law

What is cancellation of debt?
Debt Relief Law

What is considered a billing error on my credit card statement?
Credit Card Law

What is credit repair?
Credit Repair Law

What is debt consolidation?
Bankruptcy Law

What is the connection between my credit card finance charge and the annual percentage rate?
Credit Card Law

What is the means test in bankruptcy?
Bankruptcy Law

What is the next step in bankruptcy after credit counseling?
Bankruptcy Law

What is the proposed payment plan?
Chapter 13 Bankruptcy Law

What is the role of the Chapter 13 trustee in a bankruptcy?
Chapter 13 Bankruptcy Law

What is the truth about credit repair companies? Can they really do what they say?
Credit Repair Law

What kinds of people appear to be bankruptcy candidates to the creditors?
Debt Relief Law

What must a debt collector tell me about my debt in Maryland?
Credit Card Law

What practices are off limits for debt collectors in Maryland?
Credit Card Law

What should I do if a creditor sends a credit card debt settlement offer directly to me?
Debt Relief Law

What should I do if a debt collector sues me?
Credit Card Law

What should I do if I do not feel like taking a collector to court, but I still want them to be punished?
Debt Relief Law

What should I do if I find mistakes in my credit report?
Credit Repair Law

What should I do if I know I am going to miss a payment?
Bankruptcy Law

What should I do if I think a debt collector violated the law?
Credit Card Law

What should I include on my assets schedule for bankruptcy?
Bankruptcy Law

What should I list as my liabilities in a Chapter 7 bankruptcy?
Chapter 7 Bankruptcy Law

What should I wear to the 341 hearing?
Bankruptcy Law

What steps do I need to take before filing for bankruptcy?
Bankruptcy Law

What will happen to my bills after I declare bankruptcy?
Bankruptcy Law

What would cause creditors to ask for my income and assets during debt settlement negotiation?
Debt Relief Law

When should I consider bankruptcy as an option?
Bankruptcy Law

When should I file tax returns if I am going to file bankruptcy?
Bankruptcy Law

When will I be discharged from bankruptcy?
Bankruptcy Law

Which bankruptcy is right for me?
Bankruptcy Law

Who can gain access to my credit report?
Credit Card Law

Who can use Chapter 13?
Chapter 13 Bankruptcy Law

Who can use Chapter 7?
Chapter 7 Bankruptcy Law

Who decides which debts to settle first?
Debt Relief Law

Who do I file a complaint with if I cannot resolve an issue with a creditor?
Credit Card Law

Who do I pay to get out of my credit card debt and when do I pay it?
Debt Relief Law

Who makes the choice regarding Chapter 13 in a bankruptcy?
Chapter 13 Bankruptcy Law

Who makes the choice regarding Chapter 7?
Chapter 7 Bankruptcy Law

Who notifies the creditors and bill collectors that I declared bankruptcy?
Bankruptcy Law

Who will know about my bankruptcy?
Bankruptcy Law

Why do banks increase credit card interest rates?
Credit Card Law

Why should I use credit repair?
Credit Repair Law

Will bankruptcy affect my spouse's credit?
Bankruptcy Law

Will bankruptcy stop a judgment?
Bankruptcy Law

Will bankruptcy stop wage garnishments?
Bankruptcy Law

Will I have to give up all my assets?
Bankruptcy Law

Will I lose my assets if I file for Chapter 7?
Chapter 7 Bankruptcy Law

Will I lose my retirement savings in bankruptcy?
Bankruptcy Law

Will it make it harder to get hired in the future if I file bankruptcy?
Bankruptcy Law

Will my co-signers on my liabilities, like a mortgage, be protected if declare bankruptcy?
Bankruptcy Law

Will my creditors stop harassing me when I file for bankruptcy?
Bankruptcy Law

Will the bankruptcy trustee come to my house?
Bankruptcy Law

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Law Firm Info

The Law Office of Thomas J. Maronick Jr, LLC
http://www.maronicklaw.com

302 E. 25th Street
Baltimore, Maryland 21218

(410) 244-5068

About Our Firm

The Law Office of Thomas Maronick, Jr. takes on bankruptcy cases in Baltimore and across Maryland and may be able to help you get a fresh start. If you are overwhelmed by debt, or are thinking about filing Chapter 7 or Chapter 13 bankruptcy, Thomas Maronick, Jr. will stand up and fight for you. Come in for a free consultation and put us to work for you!

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