Waldorf, MD

Experienced Bankruptcy Lawyers in Waldorf, MD for Chapter 7 & 13 Cases!

When bills keep piling up, collection calls never stop, and stress becomes unbearable, it can feel like you’re drowning with no life raft in sight. But here’s the truth—you do have options. At the Law Office of Erica R.S. Hunt, LLC, we help everyday folks in Waldorf and the surrounding areas take control of their financial future. Whether you’re filing for Chapter 7 or Chapter 13, our experienced bankruptcy lawyers in Waldorf, MD are here to fight for your fresh start.

Why Bankruptcy Help Is a Game-Changer?

Nobody dreams of filing for bankruptcy. But when life throws curveballs—job loss, medical debt, divorce—it’s often the smartest move to protect your future. The good news? Bankruptcy isn’t the end of the road. It’s the beginning of a second chance. If you’re tired of falling behind and losing sleep over money, our bankruptcy attorneys in Waldorf, MD know exactly how to get you back on solid ground.

Let’s Break Down the Process Together

1. Wipe the Slate Clean with Chapter 7

Also known as “straight bankruptcy,” Chapter 7 helps wipe out most unsecured debts fast. Think:

• Credit cards
• Medical bills
• Personal loans
• Utility balances

You might even be able to keep your car or home. We’ll take a look at your full picture and walk you through exemptions, eligibility, and everything in between. We don’t believe in cookie-cutter advice—we give you real answers for your real-life situation.

2. Catch Up and Keep Your Property with Chapter 13

Not ready to give up your home? Behind on your car payments but still want to keep your ride? Chapter 13 may be the way to go. Here’s how it works:

• We help you build a 3- to 5-year payment plan
• You keep your assets while catching up on overdue accounts
• Creditors are forced to accept manageable payments

Our bankruptcy attorneys in Waldorf, MD guide you step by step so you’re never left guessing.

3. More Than Just Paperwork—We’ve Got Your Back

At the Law Office of Erica R.S. Hunt, LLC, we believe bankruptcy should be handled with care and compassion. We don’t just fill out forms—we take time to listen. We know what it feels like to be overwhelmed, and we’re here to help you:

• Understand all your options
• Avoid costly mistakes
• Rebuild your credit after bankruptcy
• Feel empowered about your financial future

That’s why so many folks trust our bankruptcy lawyers in Waldorf, MD—because we don’t treat you like a case number. We treat you like family.

Action Steps to Take Control Now

If you’re thinking about bankruptcy, here’s what you can do today:

1. Get a Free Consultation – Let’s look at your finances together
2. Bring Your Questions – We’re ready with clear, honest answers
3. Start Fresh – We’ll help you file and follow through every step

Don’t wait until things get worse. The sooner you act, the more options you’ll have.

FAQs 

 

1. Will I lose everything if I file for bankruptcy?
   

   No. Maryland law allows you to keep certain assets, and we’ll help you protect what matters most.

2. How long does bankruptcy stay on my credit?
   

   Chapter 7 stays for 10 years, Chapter 13 for 7. But you can start rebuilding credit immediately.

3. Can bankruptcy stop foreclosure or repossession?
   

   Yes! Filing triggers an automatic stay, which halts all collection actions—including foreclosure.

4. Do I have to go to court?
   

   Usually, just one brief meeting called the 341 Meeting. We’ll be right there with you.

5. How much does it cost to hire a bankruptcy lawyer?
   

   Costs vary based on the type of bankruptcy. We offer transparent pricing and payment plans.

Don’t wait another day—contact us now and get the best bankruptcy attorneys in Waldorf, MD. Let’s start your journey toward financial freedom today.