HOA foreclosure on a new building
Associations move. Chapter 13 can stay an association collection path and propose a catch-up. Bring the ledger.
Waterfront / new build · Washington, D.C.
Stephen A. Thomas: Bankruptcy Attorney Serving Navy Yard, DC
New condos | HOA assessments | D.C. Bankruptcy Court
Navy Yard buyers often stretch to get into a new building, then discover HOA dues, a parking fee, and a credit-card balance that the underwriter ignored. Thin equity is common. That can favor Chapter 7 — if the means test agrees.
- 35+ yearsLicensed legal practice
- Free consultConfidential case review
- F StreetOffice at 20 F St NW Ste 700
- VerifyD.C. Bar member directory
Local landscape
How Navy Yard cases actually look
This is not Georgetown equity and not Anacostia land. It is recently built condos, sometimes with construction warranties still in memory, and mortgages that assumed bonuses would continue. When a tech, consulting, or contractor contract ends, the HOA still posts assessments.
The office at 20 F St NW is a short Metro or scooter trip from the Yards. Union Station and Navy Yard are on opposite sides of the same downtown core. Venue is still the District of Columbia, not Maryland, even if you took a job in Silver Spring.
Exemption elections still get run. A condo with little equity is simpler, but we will not skip the worksheet.
Why Navy Yard is not a cloned city page
Problems Navy Yard residents bring to consultation
Purchase loan plus cards
If the unit is barely above water, Chapter 7 may discharge the cards while you keep a current mortgage — if you reaffirm or stay current under the rules we explain.
Roommate and co-buyer issues
Who is on the note vs. who lives there changes the petition. Do not leave a co-buyer off the story.
Court & process
District filings for a new-build neighborhood
Navy Yard residents file in the U.S. Bankruptcy Court for the District of Columbia. High District median income still helps many W-2 households qualify for Chapter 7; we still run the test.
How we can help in Navy Yard
Service lines for Navy Yard, DC residents
Emergency filing pressure
- D.C. foreclosure sale, garnishment, or lawsuit already pending
- Automatic stay on filing day
- F Street consultations or phone when the calendar is short
Chapter 7 bankruptcy
- D.C. or federal exemption election before we file
- Discharge qualifying credit cards, medical bills, and personal loans
- Means test using District median-income figures
Chapter 13 bankruptcy
- Stop a District foreclosure and catch up on arrears
- Plan payment built on actual D.C. living costs
- Rowhouse, condo, and co-op fact patterns
Office access
Getting to F Street from Navy Yard
Metro from Navy Yard-Ballpark toward Union Station, or a short drive to 20 F St NW Ste 700. Call (855) 940-2265. Bring the HOA statement and mortgage coupon.
Stephen A. Thomas, PLLC
Call (855) 940-2265 to discuss a Navy Yard matter.
Nearby communities
Related pages near Washington, D.C.
Direct answers
Navy Yard questions
Can I file Chapter 7 on a Navy Yard condo I just bought?
Timing, equity, and the means test all matter. A very recent purchase can raise questions we will walk through honestly. Do not file a DIY petition to outrun a bonus that already posted.
Will bankruptcy stop HOA collections in my building?
The automatic stay generally applies to association collection once a case is filed. How dues are treated in Chapter 7 vs. Chapter 13 depends on the facts. Bring the ledger to the consult.
I work in Maryland but live in Navy Yard. Where do I file?
Residence controls. A Navy Yard resident files in the District of Columbia, not Maryland. The Silver Spring office can still be a meeting place if that is easier.
Navy Yard
Schedule a consultation
Call (855) 940-2265 or send the form. Mention you are in Navy Yard so we can apply the right court and exemption rules.