Daniel Rosefelt & Associates in Baltimore: Chapter 7 and Chapter 13 Filing Representation

Daniel Rosefelt & Associates is a bankruptcy law firm based in Baltimore that handles individual Chapter 7 liquidations and Chapter 13 reorganization cases, along with some creditor-defense work. The practice sits in the mid-range of Baltimore bankruptcy options: larger than solo practitioners but smaller than regional firms with multiple offices.

What the firm actually is

Rosefelt operates as a boutique shop focused on personal bankruptcy rather than business restructuring. The firm handles filings in the U.S. Bankruptcy Court for the District of Maryland, which covers Baltimore and surrounding counties. The practice does not appear to handle corporate bankruptcies or creditor representation, which narrows its scope but deepens its focus on consumer filers.

Chapter 7 vs. Chapter 13 representation and typical costs

Chapter 7 cases (liquidation of assets to discharge unsecured debt) typically cost $1,500 to $2,500 in attorney fees in the Baltimore market; court filing fees are a fixed $335 regardless of firm. Chapter 13 cases (three-to-five year repayment plans) run higher, usually $2,500 to $4,000, because they require ongoing court supervision and plan modification. Rosefelt's exact fees should be confirmed directly, as pricing varies by case complexity and whether you have tax debt, recent job loss, or ongoing litigation.

Both Chapter types require two credit counseling sessions (one pre-filing, one post-filing) at a cost of roughly $50 each through an approved nonprofit provider; these fees are separate from attorney fees. Many Baltimore filers pay for filing and counseling from savings or through payment plans with their attorney.

How Rosefelt compares to other Baltimore bankruptcy options

Baltimore has a few tiers of bankruptcy representation. Solo practitioners like Mark A. Spiegel charge lower flat fees ($1,200 to $2,000 for Chapter 7) but offer minimal staff support and sometimes longer wait times for client communication. Larger regional firms with bankruptcy departments (Whiteford Taylor & Preston, Miles & Stockbridge) bill hourly or charge significantly more upfront and typically serve commercial clients or complex high-asset cases.

Rosefelt occupies the middle: larger than a solo but not a full-service regional firm. This means more consistent staff availability than a solo, but lower billing pressure than a megafirm. Choose Rosefelt if you want stable support for a straightforward Chapter 7 or Chapter 13; choose a solo if your filing is very simple and budget is tight; choose a regional firm if you have significant business debt or assets to protect.

Credit counseling agencies in Baltimore (like Apprisen and Consumer Credit Counseling Services) are court-approved and nonprofit, so shopping by cost is less relevant; what matters is finding one with evening or weekend slots if you work. Most offer counseling by phone or video now, not just in-person.

Who Rosefelt suits and who it does not

This firm is appropriate for individual filers (single or married) with primarily unsecured debt (credit cards, medical bills, personal loans), modest household income under $100,000, and no pending litigation or business interests. It works well for anyone overwhelmed by debt collection and late fees who qualifies for either Chapter 7 discharge or a manageable Chapter 13 plan.

Rosefelt is not the right choice if you own a business, have significant real estate beyond a primary residence, are in active litigation (employment disputes, divorce, injury claims), or need strategy around student loans or recent tax debt. Those cases require specialists or larger firms with litigation bandwidth.

What the first visit involves

Initial consultations at bankruptcy firms typically last 30 to 60 minutes and cover household income, debts, assets, recent financial events, and whether Chapter 7 or Chapter 13 is viable. You will provide paystubs, tax returns, bank statements, and a list of creditors. The attorney will explain your eligibility under the means test (which compares your income to Maryland's median) and your options.

Many Baltimore bankruptcy attorneys offer free initial consultations, which allows comparison shopping; confirm Rosefelt's consultation policy before calling. The firm will explain the credit counseling requirement, the filing timeline (typically two to four weeks after retainer), and what to expect in the 341 meeting (the required creditor meeting before the bankruptcy judge).

Hours, location, and logistics

Rosefelt's exact office address and hours should be confirmed directly via phone or website, as law office hours vary and Baltimore practices sometimes offer virtual meetings by appointment. Most bankruptcy filers do not need to visit an office repeatedly; after the initial consultation, document review, and filing, communication is often by email or phone. You will attend the 341 meeting in the U.S. Bankruptcy Court downtown (Gait Tower, 101 W. Lombard St.), which is mandatory.

Parking at the Gait Tower is limited and metered; plan for $2 to $4 per hour. Courthouse meetings typically take 15 to 30 minutes total.

Rosefelt's established practice and focus on straightforward consumer bankruptcies make it a reliable choice for Baltimore filers navigating Chapter 7 or Chapter 13 without complex litigation or asset complications.