Clay Chiagoro Opara, Bankruptcy Attorney in Baltimore, Maryland

Clay concentrates on bankruptcy, creditor rights, criminal defense, general, and insurance. Each area below outlines the kind of case Clay handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Creditor Rights

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• Criminal Defense

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• General

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• Insurance

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• Litigation

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• Medical Malpractice

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• Personal Injury

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Clay's primary office is at 13 W. Biddle St., Ste. A, Baltimore, MD, 21201. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Clay usually go, from the moment you request a consult to the day representation begins.

Clay discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Clay for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Clay walks through the likely range during the consult so there are no surprises.

• Does Clay offer a free consultation?

  Clay charges for the initial consult; that fee is credited toward representation if you retain Clay's office. Some bankruptcy attorneys offer free consults — check Clay's current terms during booking.

• How long do bankruptcy cases in Maryland typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Clay gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Clay take my case if I'm outside Baltimore?

  Clay is licensed in Maryland. Matters governed by Maryland law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Clay will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Clay?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Clay will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Clay accepting new bankruptcy clients right now?

  Clay's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.