Laura J. Margulies – Partner

attorney Laura-Margulies

Laura Margulies has been engaged in bankruptcy law since 1986 when she worked as a judicial intern for the Honorable James Schneider of the United States Bankruptcy Court for the District of Maryland, Baltimore Division. She received her J.D. from University of Baltimore School of Law in 1988, where she served as an Editor on the Law Review. After graduation, she clerked for The Honorable Paul Albert on the Maryland Court of Special Appeals. She then worked as an associate in the bankruptcy departments of Semmes, Bowen & Semmes in Baltimore, Maryland and Shaw, Pittman, Potts & Trowbridge in Washington, D.C. In 1993, she started her own practice in Rockville, Maryland and also began teaching bankruptcy law at University of Maryland University College. She opened a second office in Greenbelt, Maryland in 1998. She served as chairman of the Greenbelt Division of the Bankruptcy Bar Association for the District of Maryland and has published several articles on bankruptcy law in various legal and financial publications. Ms. Margulies is a frequent lecturer on bankruptcy topics and is also a member of the National Association of Bankruptcy Trustees where she serves on its Legislative Committee, and the Maryland State Bar Association, Consumer Bankruptcy Section, where she served on its executive committee.

The bankruptcy practice of Laura Margulies & Associates, LLC encompasses the representation of both creditors and debtors in bankruptcy proceedings, foreclosures and debt restructurings in Maryland and the District of Columbia. Laura Margulies also serves as a Chapter 7 Panel Trustee for the US Bankruptcy Court District of Maryland, Greenbelt Division. Ms. Margulies has also been named as a Top Bankruptcy Attorney by the Washingtonian magazine.

Speaking Engagements:

  • 10/25/2005- “Means Testing Seminar”- MICPEL, Baltimore, MD
  • 5/12/2006- “Selected Issues in consumer Bankruptcy Cases”-Bankruptcy Bar Association, Annapolis, MD
  • 5/4/2007- “Recent Case and Rule Developments in Consumer Cases”, Bankruptcy Bar Association, Annapolis, MD
  • 5/2/2008- “Recent Case and Rule Developments in Consumer Cases,” Bankruptcy Bar Association, Annapolis, MD
  • 10/10/2008- “Best Consumer Law Practices,” MICPEL, Baltimore, MD
  • 10/9/2009 – “Best Practices for Chapters 7 and 13”, MICPEL, Greenbelt, MD
  • 11/6/2009 “Best Practices for Chapters 7 and 13”, MICPEL, Baltimore, MD
  • 3/5/2010- “How to Get your Chapter 13 Plan Confirmed,” MICPEL, Columbia, MD
  • 5/7/10- “Issues Involving Reaffirmation Agreements” Bankruptcy Bar Association, National Harbor, MD
  • 1/27/11- “Foreclosure Defenses” Bankruptcy Bar Association, Rockville, MD
  • 5/6/11- “Issues Relating to Residential Mortgage Claims and Liens” Bankruptcy Bar Association, Annapolis, MD
  • 5/20/2011- Creditor Abuses in Chapter 13 Cases, Civil Justice, University of Baltimore School of Law
  • 9/14/2011- Bankruptcy Basics: Chapter 7, September 14, 2011, Civil Justice, Silver Spring, MD
  • 4/4/2014- Nuts and Bolts of Consumer Bankruptcy: Fundamentals of Chapter 7, Pro Bono Resource Center of MD, Columbia, MD
  • 10/27/14- “Chapter 7 Bankruptcy: How to Handle a No Asset Case From Intake to Discharge,” Montgomery County Bar Association, Rockville, MD

Current Employment Position(s):

  • Managing Partner

Bar Admissions:

  • Maryland, 1988
  • District of Columbia, 1990
  • U.S. District Court District of Maryland, 1989
  • U.S. District Court of the District of Columbia, 1990
  • U.S. Federal Court, 1989


  • University of Baltimore School of Law, Baltimore, Maryland, 1988
  • J.D., Doctor of Jurisprudence
  • Honors: David Gain Merit Scholarship
  • Law Review: Business Editor, University of Baltimore Law Review, 1986 – 1988
  • Yeshiva University, New York, New York, 1977
  • B.S., Bachelor of Science
  • Major: English
  • Major: Education

Published Works:

  • Casenote, Midlantic National Bank V. New Jersey Department of Environmental Protection University of Baltimore Law Review, Spring, 1987
  • “Bankruptcy: A Crumbling Shelter from the Force of Separation Pacts,” Maryland Family Law Monthly, July 1993 at 16-17
  • “Women Benefit from Changes in the Bankruptcy Law,” Women Today, May 1995, at 6
  • “A Creditor’s Protection Act? The Real Goal of the Bankruptcy Bill is to Prevent Consumers from Filing”, Washington Legal Times, January, 27, 2003 at 30
  • Understanding the New Semi-Automatic Stay, ABI Journal, Vol. XXV, No. 2, March, 2006
  • “The Need to File Proofs of Claims in a Bankruptcy Case”, Maryland State Bar Association Newsletter Bar Bulletin, October 15, pages 10 and 17, 2007

Classes/Seminars Taught:

  • Associate Professor, Bankruptcy Law, University of Maryland, University College, 1993 – 1996
  • Seminar Presenter, Bar Association of Montgomery County
  • Seminar Presenter, MICPEL
  • Seminar Presenter, Bankruptcy Bar Association for the District of Maryland
  • Seminar Presenter, Montgomery County Bar Association

Professional Associations and Memberships:

  • Bankruptcy Bar Association for the District of Maryland
    1989 – Present; chairman, 1995 – 1996
  • National Association of Bankruptcy Trustees,
    Member Legislative Committee
  • Maryland State Bar Association
    Member, Executive Committee on Consumer Bankruptcy
  • District of Columbia Bar Association
  • National Association Consumer Attorneys
  • Past Employment Positions:

    • Shaw, Pittman, Potts & Trowbridge, Associate, 1992 – 1993
    • Semmes, Bowen & Semmes, Associate, 1989 – 1992
    • Maryland Court of Special Appeals, Hon. Paul Alpert, Law Clerk, 1988 – 1989
    • United States Bankruptcy Court, Hon. James Schneider, Judicial Intern, 1986