Business Details
32 Years
experience
Emergency
services
Your Trusted Bankruptcy Attorney in Washington, D.C.
The Law Firm Of Kevin D Judd has dedicated over 25 years to providing compassionate and effective bankruptcy solutions in Washington, D.C., and Maryland. Our practice focuses on empowering individuals and families to overcome unmanageable debt through personalized guidance in Chapter 7 and Chapter 13 bankruptcy proceedings. With a deep understanding of the emotional and financial strain debt can cause, we prioritize one-on-one consultations to tailor strategies that align with each client's unique circumstances.Our commitment extends beyond legal expertise; we actively engage in community education and advocacy, ensuring clients not only navigate bankruptcy successfully but also rebuild their financial futures with confidence. Backed by decades of experience and a track record of successful cases, we stand as a trusted partner in restoring financial stability.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Relief
Foreclosure Prevention
Bankruptcy Consultation
Details
- Year established: 1994
Highlights and features
- Over 25 years of experience in consumer bankruptcy law.
- Personalized guidance tailored to individual financial circumstances.
- Proven success in halting foreclosures and repossessions.
- Active community engagement and financial education initiatives.
- Transparent communication and client-focused advocacy.
What people say
Highly recommend
Professionalism and dedication
Efficient and knowledgeable
Caring attorney
Prompt follow-up
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy eliminates unsecured debts like credit card balances and medical bills through asset liquidation. This process halts creditor harassment and wage garnishments, offering a fresh start. Most clients complete the process within 3-6 months, retaining essential assets through exemptions. Ideal for those with limited income and non-exempt property.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy restructures debt into a 3-5 year payment plan based on income. This option stops foreclosures, protects assets, and consolidates arrears. Clients retain property while repaying debts systematically. It suits individuals with steady income seeking to manage secured debts like mortgages or car loans.
Debt Relief
Debt Relief services address overwhelming obligations through bankruptcy or alternative strategies. We assess income, expenses, and debt types to recommend solutions like settlement negotiations or credit counseling. Our goal is to reduce financial stress while preserving client assets and creditworthiness.
Foreclosure Prevention
Foreclosure Prevention services use bankruptcy to halt home repossession. Chapter 13 plans allow clients to catch up on missed payments over time, while Chapter 7 may discharge unsecured debts threatening mortgage stability. We advocate for equitable solutions to protect homeownership.
Bankruptcy Consultation
Bankruptcy Consultation provides tailored advice on debt relief options. During free initial sessions, we review financial histories, income, and goals to determine eligibility for Chapter 7 or 13. Clients receive actionable insights to make informed decisions about their financial futures.
People
Kevin D. Judd
Attorney & Founder
Kevin D. Judd, a Washington, D.C., attorney with over 25 years of experience, specializes in consumer bankruptcy and nonprofit law. A former president of the National Bar Association and the Washington Bar Association, he has chaired multiple bankruptcy law sections. Licensed in D.C., New York, and Maryland federal courts, he advocates for financial justice and community empowerment.
Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates unsecured debt through asset liquidation, while Chapter 13 restructures debt into a 3-5 year repayment plan. Chapter 7 is faster, but Chapter 13 allows asset retention.
How does bankruptcy affect my credit score?
Chapter 7 stays on credit reports for 10 years; Chapter 13 for 7 years. While initially damaging, responsible financial habits post-bankruptcy can gradually improve credit scores.
Can bankruptcy stop foreclosure?
Yes. Filing for Chapter 13 bankruptcy halts foreclosure proceedings, allowing you to repay mortgage arrears over time while retaining your home.
What debts are dischargeable in bankruptcy?
Dischargeable debts include credit cards, medical bills, and personal loans. Non-dischargeable debts include student loans, child support, and recent taxes.
Do I qualify for Chapter 7 bankruptcy?
Qualification depends on passing the means test, which evaluates income, family size, and expenses. If your income is below the state median, you likely qualify.
How much does bankruptcy cost?
Costs vary by case complexity. Our firm offers transparent pricing and free consultations to discuss fees and payment options tailored to your situation.
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