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
Credit cards, medical bills, personal loans, old utility and rent balances — discharged, typically within a few months of filing. The automatic stay stops collector calls, lawsuits, and wage garnishments the day we file.
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
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