DC Chapter 7 Bankruptcy Lawyer | Royes Law LLC

If debt is keeping you up at night, you are not alone. Chapter 7 bankruptcy can erase many types of unsecured debt and give you a real reset. At Royes Law LLC, I help people in Washington DC understand their options, file correctly, and move forward with confidence.

If you are considering Chapter 7, the best first step is a short conversation to see whether you qualify and what a clean plan looks like for your situation.

Call 202-521-1132 or request a consultation using the form on this page.

What Chapter 7 can do

Chapter 7 can eliminate many unsecured debts such as credit cards, medical bills, personal loans, old utility balances, and certain judgments.

What Chapter 7 cannot do

Some debts usually remain, such as most student loans, recent taxes, and child support. Many people still benefit because Chapter 7 clears the debts that are causing the most pressure.

How long it takes

Most Chapter 7 cases finish in about three to four months, depending on the court schedule and how quickly documents are provided.

Get clarity fast

If you are not sure whether bankruptcy is the right move, you do not need to guess. I can quickly help you answer the questions that matter most:

Do I qualify for Chapter 7 in DC
Will I lose my car or my bank account
Can I keep my apartment
Will bankruptcy stop garnishments and collection calls
How soon can I rebuild my credit

Call 202-521-1132 or send a message through the consultation form now.

Is Chapter 7 right for you?

Chapter 7 is often a fit when your income is limited relative to your household size or when your budget cannot realistically support a repayment plan. It is also common for people who are dealing with job changes, medical issues, divorce, or rising living costs.

Even if you have steady income, you may still qualify depending on your household size, your expenses, and the timing of income changes.

The Chapter 7 means test in Washington DC

Qualification often depends on the means test, which compares your income to a DC median income benchmark and then looks at allowable expenses. This is not something you should try to guess from internet calculators.

If you want a reliable answer, I can review your income, household size, and key expenses and tell you whether Chapter 7 is likely, whether Chapter 13 makes more sense, or whether a non bankruptcy strategy is better.

Can you keep your property in Chapter 7

Most people who file Chapter 7 keep what they need, including basic household items and often a vehicle. The key is understanding exemptions and timing.

Common concerns I help clients plan around include:

• Keeping a car while staying current on the loan
• Protecting typical household goods and personal items
• Handling bank accounts and expected refunds
• Avoiding avoidable problems with recent transfers or large purchases

Every case is different, and a short review up front prevents expensive mistakes later.

What the Chapter 7 process looks like

Most cases follow a predictable path:

1. We confirm goals and review your documents
2. You complete required credit counseling
3. We prepare and file your petition and schedules
4. The automatic stay takes effect and collection activity should stop
5. You attend the meeting of creditors
6. You complete the second required course
7. The court issues a discharge if everything is in order

My job is to make this process straightforward, keep you informed, and help you avoid surprises.

Why clients choose Royes Law LLC

You get direct attorney support, clear explanations, and a plan that is built around your priorities. I focus on doing the basics extremely well, because in bankruptcy, small errors can become big delays.

If you want help that is organized, calm, and results driven, I am ready.

Call 202-521-1132 to get started.

FAQs

How much does Chapter 7 cost in DC?

Cost depends on complexity, the number of creditors, and whether there are asset or timing issues. I will explain fees clearly before you commit, and you will know what to expect.

Will Chapter 7 stop wage garnishment?

In most cases, yes. Filing creates an automatic stay that stops many collection actions, including garnishments, as soon as the case is filed.

Can I file if I am behind on rent?

Possibly. Bankruptcy can stop collection and buy time, but it does not automatically fix lease issues. The right strategy depends on your landlord situation and your goals.

What if I have a car loan?

Many people keep their vehicle, especially if payments are current and the equity is protected. We review this carefully before filing.

Will I lose my tax refund?

Sometimes refunds can be protected, sometimes not, and timing matters. Planning ahead can help.

How soon can I buy a car or rent again after bankruptcy?

Many people rebuild quickly, but it depends on your credit profile and the lender or landlord. I can give practical expectations based on your situation.

Talk with a DC Chapter 7 bankruptcy attorney

If debt is draining your time, money, and peace of mind, you do not have to handle it alone. The next step is simple.

Call 202-521-1132 or request a consultation through the form on this page.