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welcome to the Maryland bankruptcy Center website Im David Rubin Ive been practicing bankruptcy law in the state of Maryland since 1991 I have filed thousands of bankruptcy petitions on behalf of Maryland residence just like you who are looking to eliminate their debt and get a fresh start on this video Im going to focus on a chapter 7 bankruptcy chapter 7 bankruptcy is the more common kind of bankruptcy over 15,000 Marylanders used it last year to eliminate their debt what chapter 7 does is it eliminates credit card debt medical bills judgments garnishments repossessions and any other unsecured debts that you might have that youre not able to pay if your wages are being garnished if you have a judgment against you and theyre getting ready to freeze your bank account or garnish your wages chapter 7 will help eliminate that as soon as you file it there are only a few types of debts that you cannot eliminate in a chapter 7 and that would be student loans and debts owed to the govern