Upper Marlboro, MD

Speak to a Upper Marlboro Chapter 7 & 13 Bankruptcy Attorney Before Filing on Your Own!

Filing for Chapter 7 bankruptcy might sound like a simple way to hit the reset button. But diving in without legal help can quickly turn into a stressful mess. Between confusing court paperwork, creditor calls, and asset protection concerns—it’s easy to feel overwhelmed.

That’s exactly why we’re here. At the Law Office of Erica R.S. Hunt, LLC, we’ve helped countless individuals and families in Upper Marlboro, MD, and surrounding areas get their financial life back on track. Our experienced team will walk you through every step, making sure you avoid mistakes that could cost you big time.

Filing for Chapter 7 on your own can feel empowering—until it isn’t. Misfile one document, miss a deadline, or forget to exempt an asset, and you could be in for a rude awakening. That’s where we come in. Whether you’re just starting to think about bankruptcy or already knee-deep in debt, we understand what you’re going through. If you’ve been searching for a “bankruptcy attorney in Upper Marlboro, MD” or a “bankruptcy lawyer in Upper Marlboro, MD,” chances are you’re already feeling the weight of overwhelming bills and creditor harassment. We get it. And we’re ready to help you move forward.

Why Professional Help Makes a Huge Difference?

1. Understanding the Process Isn’t as Easy as You Think
   

   Here’s the truth—Chapter 7 bankruptcy has rules, lots of them. And no, those online templates won’t cover all your  bases. Here’s what can go wrong when you file alone:
   a). Misclassifying your assets
   b). Failing the means test
   c). Losing property that could have been protected
   d). Dismissal of your case due to incomplete forms
   When you hire a professional like us, you get clarity. We’ll explain the law in plain English, protect your rights, and make sure nothing slips through the cracks.

2. Every Situation Is Different—And So Is the Legal Strategy
   

   No two financial situations are alike. What worked for your neighbor may not work for you. Maybe Chapter 7 isn’t even the right fit—perhaps you’d benefit more from a structured repayment plan under Chapter 13. That’s why we also offer guidance if you’re looking for a trusted Chapter 13 bankruptcy lawyer in Waldorf. We take the time to understand your full financial picture and tailor a solution that actually works.

3. Mistakes Can Be Costly (Literally)
   

   A small misstep can cause your case to be denied—or worse, your property seized. Let’s break it down:
   a). You forget to list a creditor? That debt might not be discharged.
   b). You didn’t exempt your car? It might be repossessed.
   c).  You miss the creditor meeting? Your case could be dismissed.When you work with the Law Office of Erica R.S. Hunt, LLC, we double-check everything and prepare you for every phase. No guesswork. Just real support from people who care.

FAQs 

1. Is Chapter 7 bankruptcy the right option for me?
   

   If you have little to no disposable income and mostly unsecured debt (like credit cards or medical bills), Chapter 7 might be a good fit. But we’ll evaluate your case first to make sure it’s the best option.

2. How long does a Chapter 7 case take?
   

   On average, about 3 to 5 months from filing to discharge. We’ll make sure every step is handled efficiently.

3. Will I lose my house or car?
   

   Not necessarily. Many people keep their homes and vehicles. It all depends on exemptions and your specific financial situation. We’ll help you protect what matters most.

4. Can I file if I’ve already filed bankruptcy before?
   

   Yes, but there are waiting periods between filings. We’ll help you figure out your eligibility.

5. What happens at the 341 Meeting?
   

   This is the meeting of creditors. You’ll answer a few simple questions under oath. Don’t worry—we’ll prepare you in advance so you feel confident.

Call us today for a free consultation. Let’s get you back on track, one smart decision at a time.