D.C. Chapter 7

Chapter 7 Bankruptcy Attorney in Washington, D.C.

Unlike many states, the District lets filers choose between D.C.'s exemptions and the federal exemption scheme.

Washington, D.C. bankruptcy attorney Stephen A. Thomas

Chapter 7 in the District: D.C. or Federal Exemptions — Your Choice

Which set protects more depends on what you own — home equity, a vehicle, retirement savings. Choosing wrong can cost real property; this is exactly why a D.C. filing deserves a D.C. attorney rather than a form service.

What Chapter 7 Clears

Qualifying credit-card, medical, personal-loan, utility, and rent balances may be discharged, often within a few months. Filing generally activates the automatic stay, which can pause many collection actions.

Qualifying in D.C.

The means test compares your income to the District's median — which is among the highest in the country, so D.C. filers qualify for Chapter 7 more often than they expect. If you're over the line, Chapter 13 is the alternative, and we'll show you both paths with real numbers.

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Stephen A. Thomas, PLLC

Call (202) 894-2929 to discuss your legal needs and schedule a consultation.

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Areas Served

Washington, D.C., Maryland, and Michigan.

Choose your market for local court, service-area, and office information. Stephen A. Thomas is licensed in Washington, D.C., Maryland, and Michigan.