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The following are recent bankruptcy filings in...


The following are recent bankruptcy filings in the U.S. Bankruptcy Court, Eastern District of Maryland in Baltimore City

July 6

* Joyce E. Moran, a.k.a. Joyce E. Taplin, Joyce E. Addison and Joyce E. Addison-Moran, 34 Pickney St., Annapolis, a real estate sales agent, filed for Chapter 7. Assets: $134,700; Liabilities: $142,000

* Harold Dean Ashley, 935 Telegraph Road, Rising Sun, real estate, filed for Chapter 13. Assets: $1,203,700; Liabilities: $355,966

July 7

* Harry Dennis Raker, 13831 Redcoat Lane, Phoenix, operator of an appliance repair service, filed for Chapter 7. Assets: $455,600; Liabilities: $585,451.37

* John C. Beeler, of 1802 Stonegate Ave., Crofton, construction, filed for Chapter 7. Assets: $878,357.50; Liabilities: $958,054.97

July 8

* Charles G. Stoecker, 2501 Gibson Road, White Hall, operator of a vegetable farm, filed for Chapter 12. Assets and liabilities: each under $50,000.

* David J. & Belinda J. Mier, 4423 Perkins Place, Belcamp, d/b/a DJM Lawn Care, filed for Chapter 7. Assets: $25,408; Liabilities: $29,097.75

July 12

* Dujardin Construction Co., Inc., Westminster, filed for Chapter 7. Principal: Mary Dujardin, secretary. Assets: $8,100; Liabilities: $204,389.26


The following are the most common types of filings under the U.S. Bankruptcy Code.

CHAPTER 7 -- Liquidation. A trustee is appointed to take charge of all the debtor's property, except for certain exceptions allowed in the law. The trustee will sell the remaining property for the benefit of creditors, and unless a creditor objects and is upheld by the court, the debt will be discharged.

CHAPTER 11 -- Reorganization. Available to all individuals or businesses, this chapter is primarily intended to allow an ongoing business to restructure its debt. A successful reorganization depends on filing a plan and obtaining its approval by creditors and the court.

CHAPTER 13 -- Adjustment of debts of an individual with regular income. This chapter provides a method for individual debtors to repay creditors, in full or in part, over a period of up to five years. It ordinarily involves less than $100,000 in unsecured debt and $350,000 in secured debt.


a.k.a. (also known as), d/b/a (doing business as) or t/a (trading as): an assumed name a person uses for a business instead of the actual business name. n/a: not available. L/P: Limited Partnership. P/A: Professional Association.

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