Debt Relief Attorney in Washington, DC

25+ Years of Bankruptcy Law. Every Client Works Directly with Kevin D. Judd.

Law Firm of Kevin D. Judd is a debt relief agency serving individuals and small businesses in Washington, DC. Founded in 1994 by Kevin D. Judd, Esq., our practice is dedicated exclusively to bankruptcy and debt relief law. Whether you’re fielding daily creditor calls, facing wage garnishment, or worried about losing your home, we help clients find structured legal paths forward rather than leaving them to navigate their options alone.

People reaching out to a debt relief attorney are often managing more than they can carry: credit card balances that keep growing, medical bills that arrived without warning, or a sudden drop in income. What they need isn’t general financial advice. They need a clear-eyed legal review of their full picture and a plan grounded in what the law actually allows.

Schedule a free consultation with Kevin D. Judd to review your financial situation and learn what legal options are available to you. Call (202) 888-8454 to get started.

Why Washington, DC Clients Choose Law Firm of Kevin D. Judd

The most common concern we hear from new clients is that they’ll meet with an attorney once and then get handed off to staff. That doesn’t happen on our team. Kevin D. Judd handles each case directly, from the first conversation through resolution. You won’t be passed along.

That direct access is backed by credentials specific to this area of law. Kevin D. Judd served on the Local Rules Advisory Committee for the United States Bankruptcy Court for the District of Columbia and was inducted into the Washington Bar Association Hall of Fame in 2018. He is licensed to practice in the District of Columbia, the State of New York, the Maryland Federal Courts, and the United States Supreme Court. This isn’t a general practice that handles debt cases on the side.

For clients already under financial strain, cost clarity matters as much as legal skill.

Free initial consultation: We review your situation and outline legal options at no charge.
Transparent fees: Pricing is communicated clearly before you commit to anything.
Installment payment options: We offer flexible payment arrangements to make legal representation manageable when finances are tight.

Legal Debt Relief Options Available in Washington, DC

Debt relief is a legal term covering several distinct remedies. The right path depends on the type of debt you carry, your income, and your goals. Here’s how the primary options differ.

Chapter 7 Bankruptcy

Chapter 7 is a liquidation bankruptcy that may discharge most unsecured debts, including credit card balances, medical bills, and personal loans, depending on the filer’s circumstances. Eligibility depends on passing the means test, which compares your income to the median for your household size in DC. For clients who qualify, Chapter 7 may address debt obligations relatively quickly.

Chapter 13 Bankruptcy

Chapter 13 creates a court-approved repayment plan lasting three to five years. It’s often the right option for clients with regular income who want to keep secured assets, such as a home. A Chapter 13 filing may stop a foreclosure and give you the opportunity to catch up on mortgage arrears through the plan, depending on your circumstances.

The Automatic Stay

Filing for bankruptcy triggers an automatic stay, a court order that may halt most creditor collection actions, including phone calls, lawsuits, wage garnishments, and foreclosure proceedings, subject to the specifics of the case. The stay goes into effect upon filing, not after a hearing or court approval.

Non-Bankruptcy Alternatives

Bankruptcy isn’t the right fit for every situation. Some clients may benefit from creditor negotiation or other debt resolution approaches. Not every type of debt is dischargeable under the Bankruptcy Code; obligations such as most student loan debt, recent tax debt, and child support are treated differently. A debt relief attorney evaluates the full picture before recommending a direction.

What to Expect When You Work with Our Firm

The free initial consultation is a working meeting, not a sales call. Kevin D. Judd reviews your financial situation, walks through the legal options that fit your circumstances, and provides a fee quote before you make any decisions. You leave with a clearer picture of where you stand and what comes next.

Early legal involvement tends to preserve more options. The automatic stay, for example, can only be triggered by filing, and delays can allow creditor judgments or foreclosure proceedings to advance. If you’re managing creditor pressure, wage garnishment, or foreclosure risk, it’s worth a conversation sooner rather than later.

When you come in, it helps to bring recent pay stubs, tax returns, a list of outstanding debts, and any mortgage or lease documents. Kevin D. Judd guides you through the full process from that first meeting through case resolution.

The Kevin D. Judd Difference

Your Gateway to Financial Justice and Freedom

Committed to the Community
Obtain A Fresh Start
Fair & Reasonable Rates
Over 25 Years of Service

What Clients Say About Working with Kevin D. Judd

Clients who’ve worked with our firm consistently describe Kevin D. Judd as accessible, straightforward, and clear in his communication. They’ve noted that he explains the process in plain language, stays available to answer questions, and keeps them informed at each stage. Full reviews are available on our testimonials page.

Kevin D. Judd has also served as past president of the National Bar Association, the Bar Association of the District of Columbia, and the Washington Bar Association, a record of professional leadership that reflects his standing in the legal community.

Situations That Bring DC Residents to a Debt Relief Attorney

Debt problems rarely announce themselves clearly. More often, clients reach a point where the numbers no longer work and they’re not sure what legal options exist. These are some of the situations that commonly prompt Washington, DC residents to seek legal guidance.

Wage garnishment: Once a creditor obtains a judgment in DC, garnishment can begin with limited notice. The reduction to take-home pay can be significant and immediate.
Foreclosure risk: Mortgage arrears can lead to foreclosure proceedings. A Chapter 13 filing may stop the process and allow you to cure the arrears through a court-approved plan, depending on your circumstances.
Medical debt: Medical bills are among the most common drivers of personal bankruptcy filings. As unsecured debt, medical obligations may be dischargeable in Chapter 7 for eligible filers.
Credit card debt: When minimum payments no longer reduce principal and balances keep climbing, that’s a recognized signal that legal credit card debt options are worth evaluating.
Small business debt: Business owners in Washington, DC may carry personal liability depending on their business structure. A debt relief attorney can assess personal and business exposure together.
Creditor lawsuits: Debt collectors are regulated under the Fair Debt Collection Practices Act, but once a creditor files suit and obtains a judgment, collection remedies expand quickly and become harder to address without legal representation.

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Start with a Free Consultation

If debt has become unmanageable, the clearest next step is a conversation with a debt relief attorney in Washington, DC who can review your situation and discuss what may be possible. The initial consultation with Kevin D. Judd is free. He can walk through your financial picture, outline the legal options that fit, and provide a fee quote so you understand the costs before moving forward. Installment payment options are available for clients who need them.

Law Firm of Kevin D. Judd serves individuals and small businesses in Washington, DC. Call (202) 888-8454 or use our online contact form to schedule your free consultation with Kevin D. Judd.

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