[vc_row][vc_column][rev_slider alias=”home1″][/vc_column][/vc_row][vc_row full_width=”stretch_row_content_no_spaces”][vc_column width=”1/2″ ct_column_class=”rm-padding-lg” ct_column_offset=”col-offset-left” css=”.vc_custom_1551779035306{padding-top: 0px !important;}”][ct_space space_lg=”30″ space_md=”30″ space_sm=”0″ space_xs=”60″][ct_heading text=”What We Do ?” font_size_sm=”24″ font_size_xs=”24″ font_weight=”” show_gap=”show” subtitle=”About us” description_font_weight=”inherit” margin_bottom=”0″][vc_column_text css=”.vc_custom_1618343726296{margin-top: 37px !important;margin-bottom: 40px !important;}” el_class=”text-block1″]We are a debt relief agency.  We help people file for bankruptcy relief under the Bankruptcy Code.

In the Albert Coto Lawyer’s Legal Office we are dedicated to provide a custom service focusing on our client’s particular needs. Throught our free initial consult we are able to know the circumstances that have led our clients to seek legal advice. We study every case on detail in order to find the different alternatives and adequate legal solutions.[/vc_column_text][vc_raw_html css=”.vc_custom_1618345082066{margin-bottom: 31px !important;}”]JTNDZGl2JTIwY2xhc3MlM0QlMjJjYWxsLXVzJTIyJTNFJTBBQ2FsbCUyMHRvJTIwYXNrJTIwYW55JTIwJTNDY2l0ZSUzRVF1ZXN0aW9uJTNDJTJGY2l0ZSUzRSUyMCUzQ3NwYW4lMjBjbGFzcyUzRCUyMmNhbGwtbnVtYmVyJTIyJTNFJTNDYSUyMGhyZWYlM0QlMjIlMjgyNDAlMjklMjAyMzMtNjgxNiUyMiUzRSUyODI0MCUyOSUyMDIzMy02ODE2JTNDJTJGYSUzRSUzQ3NwYW4lM0UlMEElM0MlMkZkaXYlM0U=[/vc_raw_html][vc_separator color=”custom” style=”dashed” accent_color=”#b7b7b7″ css=”.vc_custom_1547050658861{margin-bottom: 23px !important;}”][vc_raw_html]JTNDYSUyMGNsYXNzJTNEJTIyYnRuJTIyJTIwaHJlZiUzRCUyMiUyRmxhd3llci1wcm9maWxlJTIyJTNFUmVhZCUyME1vcmUlM0MlMkZhJTNF[/vc_raw_html][/vc_column][vc_column css_animation=”fadeInRight” width=”1/2″ ct_column_class=”rm-padding-md” css=”.vc_custom_1552030675484{padding-top: 0px !important;padding-left: 105px !important;}”][ct_box_background_image bg_image=”2654″ layer_image=”3025″][/vc_column][/vc_row][vc_row full_width=”stretch_row” bg_image_position=”bg-image-ps-bottom” css=”.vc_custom_1551799669208{background-image: url(https://demo.casethemes.net/lawsight/wp-content/uploads/2019/03/bg-section-counter1.png?id=1687) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}”][vc_column css=”.vc_custom_1551799763630{padding-top: 112px !important;padding-bottom: 120px !important;}”][vc_row_inner][vc_column_inner width=”1/2″ css=”.vc_custom_1551799600439{padding-top: 0px !important;}”][ct_heading text=”Admission to Practice to Help Our Clients” font_size_sm=”24″ font_size_xs=”24″ font_weight=”” show_gap=”show” description_font_weight=”inherit” margin_bottom=”0″][/vc_column_inner][vc_column_inner width=”1/2″ css=”.vc_custom_1551799595620{padding-top: 41px !important;}”][vc_column_text el_class=”text-block1″ css=”.vc_custom_1618345305910{margin-bottom: 0px !important;padding-bottom: 0px !important;}”]In addition, Albert Coto has experience in loan modification negotiations and payment agreements with creditors.

Albert Coto is admitted to practice law in the following jurisdictions:[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner css=”.vc_custom_1618347325076{margin-top: 20px !important;}”][vc_column_inner width=”1/4″][ct_fancybox cms_template=”ct_fancybox–layout3.php” icon_type=”image” icon_image=”2691″ title=”The United States Court of the District of Maryland and District of Columbia”][/vc_column_inner][vc_column_inner width=”1/4″][ct_fancybox cms_template=”ct_fancybox–layout3.php” icon_type=”image” icon_image=”2690″ title=”State of Maryland”][/vc_column_inner][vc_column_inner width=”1/4″][ct_fancybox cms_template=”ct_fancybox–layout3.php” icon_type=”image” icon_image=”2689″ title=”State of New York”][/vc_column_inner][vc_column_inner width=”1/4″][ct_fancybox cms_template=”ct_fancybox–layout3.php” icon_type=”image” icon_image=”2688″ title=”Costa Rica”][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row full_width=”stretch_row” parallax=”content-moving” parallax_image=”2875″ ct_row_class=”row-overlay” css=”.vc_custom_1618504999620{background-color: rgba(13,25,89,0.9) !important;*background-color: rgb(13,25,89) !important;}”][vc_column css=”.vc_custom_1551797677093{padding-top: 112px !important;}”][vc_row_inner][vc_column_inner width=”1/4″][/vc_column_inner][vc_column_inner width=”1/2″ ct_column_inner_class=”rm-padding-lg” css=”.vc_custom_1551779742241{padding-top: 0px !important;padding-right: 45px !important;padding-bottom: 63px !important;padding-left: 45px !important;}”][ct_heading text=”We focus our services on the area of protection of our clients” align_lg=”align-center” align_md=”align-center-md” align_sm=”align-center-sm” align_xs=”align-center-xs” font_size_sm=”24″ font_size_xs=”24″ font_weight=”” text_color=”#ffffff” show_gap=”show” subtitle=”Services” description=”We protect our clients against different types of debt collections by their creditors, and we help them to obtain solutions to different situations” description_font_weight=”inherit” margin_bottom=”0″ el_class=”sub-color-primary”][vc_empty_space height=”20px”][/vc_column_inner][vc_column_inner width=”1/4″][/vc_column_inner][/vc_row_inner][ct_service_grid service_icon=”%5B%7B%22icon_type%22%3A%22icon%22%2C%22icon_list%22%3A%22material_design%22%2C%22icon_material_design%22%3A%22zmdi%20zmdi-home%22%2C%22icon_flaticon%22%3A%22flaticon-case%22%7D%2C%7B%22icon_type%22%3A%22icon%22%2C%22icon_list%22%3A%22material_design%22%2C%22icon_material_design%22%3A%22zmdi%20zmdi-money-box%22%2C%22icon_flaticon%22%3A%22flaticon-courthouse%22%7D%2C%7B%22icon_type%22%3A%22icon%22%2C%22icon_list%22%3A%22flaticon%22%2C%22icon_flaticon%22%3A%22flaticon-courthouse%22%7D%2C%7B%22icon_type%22%3A%22icon%22%2C%22icon_list%22%3A%22material_design%22%2C%22icon_material_design%22%3A%22zmdi%20zmdi-phone-in-talk%22%2C%22icon_flaticon%22%3A%22flaticon-legal-paper%22%7D%2C%7B%22icon_type%22%3A%22icon%22%2C%22icon_list%22%3A%22flaticon%22%2C%22icon_flaticon%22%3A%22flaticon-open-book%22%7D%2C%7B%22icon_type%22%3A%22icon%22%2C%22icon_list%22%3A%22fontawesome%22%2C%22icon_fontawesome%22%3A%22fas%20fa-car-side%22%2C%22icon_flaticon%22%3A%22flaticon-real-estate%22%7D%5D” border_color=”#3d3b3b” title_color=”#ffffff” content_color=”#999999″ layout=”masonry” filter=”false” pagination_type=”false” col_xs=”1″ col_sm=”2″ col_md=”2″ col_lg=”3″ col_xl=”3″][/vc_column][/vc_row][vc_row][vc_column width=”2/3″][ct_heading text=”Frequent Asked Questions” font_weight=”” subtitle=”Our Clients” description_font_weight=”inherit”][vc_empty_space height=”20px”][vc_tta_accordion][vc_tta_section title=”How does a bankruptcy benefit me?” tab_id=”1618413755833-21294085-ab63″][vc_column_text]The idea behind bankruptcy laws is to provide a tool to those debtors who due to their economic situation do not have the money to pay their debts and give them a new opportunity (“fresh start”).

The objective of the debtor is to obtain a discharge or exoneration of all those debts that are exonerable. The discharge or exoneration, also known as rehabilitation, is an order of the court by means of which a federal bankruptcy judge declares that the debtor is not legally responsible for those debts that are dischargeable, thus eliminating the legal resources that may have their creditors for the collection of said debts.[/vc_column_text][vc_column_text][/vc_column_text][/vc_tta_section][vc_tta_section title=”What types of bankruptcy are there for people who are going through difficult financial situations?” tab_id=”1618413755875-59f7da27-0c25″][vc_column_text]There are generally two types of bankruptcy that help protect people who are experiencing financial situations that do not allow them to pay their creditors: Chapter 7 and Chapter 13 of the Bankruptcy Code, explained later.

Then there are the Chapter 11 processes that generally apply to people who have assets above the debt limits established for Chapter 13 and want to protect those assets against collections from their creditors.[/vc_column_text][/vc_tta_section][vc_tta_section title=”What protections does Bankruptcy offer to the person?” tab_id=”1618413969809-b17ec823-b83f”][vc_column_text]Generally, filing a bankruptcy petition sets in motion a legal mechanism called an “automatic stay”. This mechanism stops all legal collection processes against the person and also forces creditors to stop all contact with the person who declares bankruptcy. Because of this, property eviction or eviction processes, property auctions, vehicle repossessions, wage garnishments, and bank accounts are stopped.[/vc_column_text][/vc_tta_section][vc_tta_section title=”What is a Chapter 7 and how does it benefit me?” tab_id=”1618414009504-501afb70-3855″][vc_column_text]The goal of Chapter 7, also called direct bankruptcy or liquidation, is to give the debtor a fresh start. Chapter 7 seeks to eliminate all those dischargeable debts, which are the majority of debts. In these types of cases, the court appoints an administrator or trustee to determine if there are nonexempt assets that can be sold or liquidated to pay creditors. However, in most of these cases all or nearly all of the debtors’ assets can be exempted, and generally the debtors end up keeping all of their assets.[/vc_column_text][/vc_tta_section][/vc_tta_accordion][/vc_column][vc_column width=”1/3″][vc_single_image image=”2716″ img_size=”large” alignment=”center”][/vc_column][/vc_row][vc_row full_width=”stretch_row” parallax=”content-moving” parallax_image=”2707″ ct_row_class=”row-overlay” css=”.vc_custom_1618507346203{background-color: rgba(13,25,89,0.9) !important;*background-color: rgb(13,25,89) !important;}”][vc_column css=”.vc_custom_1551803568117{padding-top: 112px !important;padding-bottom: 120px !important;}”][vc_row_inner css=”.vc_custom_1551806611339{padding-top: 0px !important;padding-bottom: 50px !important;}”][vc_column_inner width=”5/12″ ct_column_inner_class=”rm-padding-lg” css=”.vc_custom_1551803792885{padding-top: 0px !important;padding-right: 60px !important;}”][ct_heading text=”Feel free to ask anything” font_size_sm=”24″ font_size_xs=”24″ font_weight=”” text_color=”#ffffff” show_gap=”show” subtitle=”Contact us” description_font_weight=”inherit” margin_bottom=”0″][/vc_column_inner][vc_column_inner width=”1/3″ ct_column_inner_class=”rm-padding-lg” css=”.vc_custom_1551806492106{padding-top: 44px !important;padding-right: 40px !important;}”][ct_contact_info style=”style2″ content_color=”#ffffff” content_type=”email” icon_list=”flaticon” content_info=”acoto@abogados-maryland.com” icon_flaticon=”flaticon-chat”][/vc_column_inner][vc_column_inner width=”1/4″ css=”.vc_custom_1551806497870{padding-top: 44px !important;}”][ct_contact_info style=”style2″ content_color=”#ffffff” content_type=”tel” icon_list=”flaticon” content_info=”(240) 233-6816″ icon_flaticon=”flaticon-phone-call”][/vc_column_inner][/vc_row_inner][ct_contact_form id=”754″ styles=”style4″][/vc_column][/vc_row][vc_row][vc_column css=”.vc_custom_1551841074511{padding-top: 112px !important;padding-bottom: 90px !important;}”][vc_row_inner css=”.vc_custom_1551841066340{padding-bottom: 26px !important;}”][vc_column_inner width=”1/2″ css=”.vc_custom_1551751394707{padding-top: 0px !important;}”][ct_heading text=”Learn something more you
might find interesting” font_size_sm=”24″ font_size_xs=”24″ font_weight=”” show_gap=”show” subtitle=”News” description_font_weight=”inherit” margin_bottom=”0″][/vc_column_inner][vc_column_inner width=”1/2″ css=”.vc_custom_1551751389933{padding-top: 41px !important;}”][/vc_column_inner][/vc_row_inner][ct_blog_carousel btn_style=”btn-dark” col_xs=”1″ col_sm=”2″ col_md=”2″ col_lg=”3″ col_xl=”3″ loop=”true” autoplay=”true” autoplay_timeout=”10000″ smart_speed=”500″][/vc_column][/vc_row]