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Facing too much debt can be scary. When bills pile up and money feels tight, it can be hard to see a way out. Filing for bankruptcy might feel like a big step, but it can actually give people a fresh start.
A bankruptcy attorney in Upper Marlboro can guide you through Chapter 7 bankruptcy, making the whole process much easier to understand. With the right help, you can get relief from debt and focus on rebuilding your financial life.
Chapter 7 bankruptcy is often called “liquidation bankruptcy.” It helps people who can’t pay off their debts. In this process, some property may be sold to pay off creditors. The goal is to wipe out most unsecured debts.
Unsecured debts are things like:
Chapter 7 doesn’t involve a repayment plan like Chapter 13 does. Instead, it focuses on clearing debts so people can start fresh.
The first step is figuring out your finances. You need to list all your debts, income, and monthly expenses. A bankruptcy attorney in Upper Marlboro can help with this. They make sure the paperwork is correct and complete.
After that, the main steps include:
These steps give you immediate relief and start the legal process.
Once your case is filed, the court assigns a trustee. The trustee’s job is to review your financial situation. They decide if any non-exempt property can be sold to pay creditors.
Most Chapter 7 cases are “no-asset” cases. This means you usually don’t lose personal property. You get to keep most of what you own.
Other steps include:
After everything checks out, the court can grant a discharge. This wipes out qualifying debts permanently.
Not all debts go away in Chapter 7. You’ll still be responsible for:
Knowing this helps you plan your finances after bankruptcy.
Chapter 7 is faster than other bankruptcies. Most cases finish in four to six months. Once the court grants a discharge, qualifying debts are gone.
This quick timeline is why Chapter 7 is often the first choice for people who need relief fast.
A good attorney makes the process smoother. They can:
With the right guidance, a bankruptcy attorney in Upper Marlboro can make this tough time easier to handle.
Chapter 7 bankruptcy is a tool to get back on your feet. It can clear debts and give people a chance to rebuild. Having a trusted bankruptcy attorney in Upper Marlboro makes the process simple and less stressful.
Attorney Erica R.S. Hunt at the Law Office of Erica R.S. Hunt, LLC, has over 30 years of experience helping clients regain control of their finances.
If debt feels overwhelming, take the first step today. Schedule a consultation to see how Chapter 7 bankruptcy can help you start fresh and move forward with confidence.