Cooch & Bowers, P.A. Attorneys at Law ANDREW COOCH DAVID A. BOWERS JENNIFER A. SHUCK HIL T. C. O'HERLIHY Arnold Station, Suite 212 1460 Ritchie Highway Arnold, Maryland 21012 Phone: (410) 974-1900 Fax: (410) 974-1903

COOCH & BOWERS, P.A. is a professional, results-oriented law firm offering services in the following areas:

BUSINESS

Competent legal advice is vitally important in the formation of a new business or the management of an existing one. Corporation and partnership documents, leases, sales agreements, employment contracts and other documents materially affect the conduct of your business. Avoiding problems in these areas before they arise is essential, and is often the difference between a successful and a failing business.

FAMILY LAW

Separation and divorce are most often painful experiences. Issues such as child custody, support, visitation, alimony and the division of property need to be dealt with timely and objectively, but you and your children's emotional concerns make this difficult. An attorney experienced in the area of family law can help resolve these issues and bring a sense of order to an uncertain situation.

REAL ESTATE

For most of us, our most valuable asset is our real estate, whether it be a home, unimproved lot or commercial property. The sale and purchase of such property (including the tax-free exchange of property by investors), as well as related concerns such as zoning, boundary disputes, condemnation and land development, often involve complex legal issues that require immediate resolution. The assistance of knowledgeable counsel is indispensable when dealing with these issues.

WILLS AND ESTATE PLANNING

Without competent estate planning, tax laws and the laws governing intestate succession (estates without a Will), rather than you, will determine how your estate is distributed. A Will and, where appropriate, customized trusts combined with competant planning, assures that your wishes will be carried out, that provision will be properly made for the care of your minor children, and that the tax burden to your heirs will be minimized.

BANKRUPTCY

When it becomes impossible to pay your debts, sometimes bankruptcy becomes the only solution. You may be able to discharge all or much of your debt and still retain substantial assets, including your home. An attorney can evaluate your situation to determine whether there is any other alternative to controlling your obligations and, if bankruptcy is deemed appropriate, can assist you in effecting the necessary protection from your creditors.

LITIGATION

Pursuing or defending an action in court requires an attorney with special skills and experience. Whether your case involves a contract, negligence or any other matter involving either your personal concerns or those of your business, a trial lawyer is essential to protecting or defending your interests.