How Long Does the Bankruptcy Process Take in Waldorf, MD?
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- How Long Does the Bankruptcy Process Take in Waldorf, MD?
If you’re drowning in debt and feeling overwhelmed, you might be considering bankruptcy as a way to regain control. One of the biggest questions we get at the Law Office of Erica R.S. Hunt, LLC is, “How long will the bankruptcy process take?” The answer depends on your specific situation, but we’re here to break it down for you.
Our experienced bankruptcy attorneys in Waldorf, MD can guide you through the process, ensuring you understand every step. Whether you’re filing for Chapter 7 or Chapter 13, we’ll help you move forward as quickly as possible.
Filing for bankruptcy isn’t just about wiping out debt—it’s about getting a fresh start. But waiting too long or rushing the process can have serious consequences.
We understand that:
● You want relief as soon as possible.
● You need to know what to expect so you can plan ahead.
● You don’t want to be stuck in a lengthy, stressful legal process.
That’s why we’re breaking down how long bankruptcy takes and what factors can affect the timeline.
The time it takes to complete a bankruptcy case depends on the type of bankruptcy you file.
If you qualify for Chapter 7, the process is relatively fast. Most cases take about 4 to 6 months from start to finish. Here’s what happens:
● Filing the Petition: Once we file your paperwork, an automatic stay stops creditors from harassing you.
● Meeting of Creditors: About 30 to 45 days after filing, you’ll attend a brief meeting with a trustee.
● Debt Discharge: If there are no complications, your eligible debts will be discharged in about 60 to 90 days after the meeting.
Since Chapter 7 doesn’t require a repayment plan, it moves quickly—perfect for those who qualify.
Chapter 13 is different because it involves a repayment plan. Instead of wiping out your debts immediately, you’ll work on a structured repayment plan over 3 to 5 years. Here’s how it works:
● Filing and Plan Proposal: You’ll submit a repayment plan to the court, detailing how you’ll pay back your debts.
● Trustee Review & Confirmation: This takes about 1 to 3 months, depending on any objections.
● Making Payments: You’ll follow your repayment plan, making monthly payments for the set term.
● Debt Discharge: At the end of the plan, remaining eligible debts will be discharged.
Although it takes longer, Chapter 13 allows you to keep assets like your home while making affordable payments.
While most bankruptcy cases follow a general timeline, certain factors can cause delays. Some common reasons include:
● Missing or incomplete paperwork – Every document must be accurate and complete.
● Creditor objections – If a creditor disputes your filing, it could extend the process.
● Failure to meet court requirements – Missing a hearing or failing to take the required credit counseling courses can cause setbacks.
● Complex cases– If you have significant assets, multiple properties, or disputes, expect a longer timeline.
At the Law Office of Erica R.S. Hunt, LLC, we ensure your case moves forward as smoothly as possible by handling every detail carefully.
1. How soon after filing will creditors stop calling me?
Immediately! Once we file your case, the automatic stay goes into effect, which legally stops creditors from contacting you.
2. Can I speed up my bankruptcy case?
Yes! Having all required documents ready, completing counseling courses on time, and working with an attorney can help move things along.
3. What happens if my case gets delayed?
If your case is delayed, we’ll work quickly to resolve any issues. Delays can happen due to missing documents or disputes, but we’ll guide you through fixing them.
At the Law Office of Erica R.S. Hunt, LLC, our bankruptcy attorneys in Waldorf, MD are here to help you every step of the way. Don’t wait any longer—contact us today for a free consultation and take the first step toward financial relief!
