Filing for bankruptcy is a tough decision, but sometimes it's the best way to get a fresh start. If you're drowning in debt, a Chapter 7 bankruptcy lawyer in Maryland can help you wipe the slate clean. But before you jump into the process, you should understand how it works and what lawyers bring to the table. There's a lot of misinformation out there, so let's clear things up with ten essential facts about Chapter 7 bankruptcy lawyers and the filing process.

1. Chapter 7 Wipes Out Most Debts—But Not All

Chapter 7 is designed to eliminate unsecured debts like credit cards, medical bills, and personal loans. However, some debts don't go away. Student loans, child support, alimony, and certain tax debts usually survive the process.

2. Not Everyone Qualifies for Chapter 7

You can't just decide to file for Chapter 7—you need to pass the means test. This test looks at your income, expenses, and household size to see if you qualify. If you earn too much, you may have to file for Chapter 13 instead.

3. Your Lawyer Does More Than Just File Paperwork

A Chapter 7 bankruptcy lawyer in Maryland doesn't just fill out forms. They analyze your finances, guide you through the legal maze, and represent you in court. They make sure you don't make costly mistakes that could get your case dismissed.

4. Bankruptcy Doesn't Mean Losing Everything

A common fear is that filing for Chapter 7 means losing your home, car, or personal belongings. But bankruptcy exemptions protect many assets. In some cases, people keep everything they own. A lawyer helps you understand what's safe and what's at risk.

5. The Process Moves Fast—Usually Done in a Few Months

Unlike Chapter 13, which involves a multi-year repayment plan, Chapter 7 is quick. From filing to discharge, the process typically takes about 3 to 6 months. That means you can move on with your life much sooner.

6. The Automatic Stay Gives Instant Relief

As soon as you file for Chapter 7, the court issues an automatic stay. This stops creditors from calling, suing, or garnishing your wages. It's one of the biggest benefits of filing—and your lawyer ensures creditors follow the rules.

7. You'll Have to Attend a Creditors' Meeting

After filing, you'll need to attend a 341 meeting (also called a meeting of creditors). It's not as scary as it sounds. A bankruptcy trustee asks you basic questions about your finances. Your lawyer preps you for this, so you know what to expect.

8. Your Credit Score Will Take a Hit, But It's Not Forever

Yes, bankruptcy lowers your credit score. But if you're already behind on payments, your score is probably struggling anyway. The good news? Many people see improvement within a year or two by managing their finances wisely.

9. Some Assets May Be Sold to Pay Creditors

Chapter 7 is sometimes called liquidation bankruptcy because a trustee can sell non-exempt property to pay creditors. However, most people who file don't lose anything. Your lawyer helps protect as much of your property as possible.

10. You Need a Lawyer to Avoid Costly Mistakes

Filing for bankruptcy isn't as simple as filling out a form. One wrong move—like hiding assets or missing deadlines—can ruin your case. That's why having an experienced Chapter 7 bankruptcy lawyer in Maryland is a game-changer. They ensure everything is done by the book, so you get the relief you need.

Filing for Chapter 7 is a big step, but it doesn't have to be overwhelming. A Chapter 7 bankruptcy lawyer helps you navigate the process, protect your assets, and get the debt relief you deserve. If you're struggling financially, knowing these ten facts can help you make an informed decision about your next steps.