Credit Repair - Baltimore | Sirody & Associates, Baltimore MD
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Fresh Start Program

For Credit Repair, Baltimore Trusts Sirody & Associates

  • Rebuild and establish good credit
  • Benefit from special resources (affiliated mortgage company, etc.)
  • Get out of bankruptcy faster
  • Protect your home, car  and other assets
  • Halt all calls and contact from bill collectors

Contact us today at (410) 415-0445 for a FREE initial consultation.

At Sirody & Associates, PA, we realize that every case is unique and no client’s circumstances are exactly like another’s. Thus, we have developed our FRESH START PROGRAM. Our credit repair program won’t just help you get out of debt, it will also help you rebuild your credit after bankruptcy, and maybe even get that dream home you thought you could never have.

For credit repair, Baltimore turns to Fresh Start Law. We serve residents in Baltimore, Gwynn Oak, Woodlawn, Randallstown, Catonsville, Pikesville, and Owings Mills.

We have our own affiliated mortgage company and title company so we can help you repair credit after your bankruptcy is discharged or, possibly, even while your case is pending. We help people obtain financing to get out of bankruptcy early. These additional resources further distinguish us from other law firms and allow us to offer you a truly comprehensive debt solution. There really is life after bankruptcy!


Congress passed the Bankruptcy Reform Act, which became effective October 17, 2005. This was due, in large part, by the credit card companies and banks spending millions of dollars on lobbying efforts and campaign contributions to convince Congress that bankruptcy abuse was rampant and needed to be stopped. Of course, millions of dollars in campaign contributions didn’t hurt their cause either! These same companies employ aggressive collection agencies and attorneys to essentially “hunt you down” and take whatever steps necessary to collect their money.

Many of our Baltimore-area clients have told us horror stories about being called at all hours of the night by unscrupulous collectors, who even call their neighbors, illegally airing their dirty laundry.  Often times, people are hounded at work, causing great embarrassment or even job loss. These creditors are governed by certain collection law.  However, these regulations do not stop them from causing great stress and anguish, and some collectors simply ignore the laws

Well, the BANKRUPTCY LAWS STOP THE COLLECTORS DEAD IN THEIR TRACKS!! Upon filing of your case, an AUTOMATIC STAY is IMMEDIATELY activated. This prevents the creditors from taking any further action against you or your property. They must IMMEDIATELY cease all collection activities and leave you alone.  This is powerful protection which will allow you to breathe again and start repairing your credit.

As a client of SIRODY & ASSOCIATES, we will begin to protect you immediately. We will get the collectors off your back so you can think clearly again. We understand the detrimental effect constant stress can have on you and your family. Our job is to relieve you of that stress and allow you to take control of your life again and fix your credit. You see, we don’t believe that you should have to struggle alone against insurmountable debt. If you are an honest person who just can’t climb out of the quicksand, we can help. The collection attorneys know how to get you. WE KNOW HOW TO STOP THEM!


If you are like most people, your home is your single biggest asset and the most important one, as well. It is where you raise your family. It represents safety and security. Unfortunately, foreclosure rates are at historically high levels. Many people have purchased homes during periods of relative stability, only to find themselves behind on their mortgage payments as soon as something goes wrong, be it job loss, illness, unforeseen expenses, etc.  In this economy it is too easy to get “off track.”

We know how important your family home is and how hard you worked to get there. The FRESH START PROGRAM will allow you to catch up on those mortgage arrears no matter how far behind you are. As long as your home has not yet been foreclosed upon, we can stop the bank from taking your property and kicking you to the street. We have helped thousands of Baltimore homeowners

We can also help stop the “repo man.”If your car is repossessed, you can’t get to work, which means you can’t make money to pay your other bills, including your car payment. The “repo man” doesn’t want to hear about your problems. His job is to hoist that car up on his lift and haul it away. Our job is to stop him or even get the car back if it hasn’t been sold yet. Credit repair from the Fresh Start Law will allow you to re-pay car arrears on your terms and we MAY EVEN BE ABLE TO LOWER YOUR CAR PAYMENTS!

Contact us today at (410)415-0445. We’ll customize your credit repair program with a FRESH START PROGRAM especially for you, taking into account your needs and your special circumstances.  You’ve heard us say it for years-