{"id":286842,"date":"2021-04-15T11:33:22","date_gmt":"2021-04-15T16:33:22","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/bankruptcy\/bankruptcy-laws-by-state\/district-of-columbia-bankruptcy-exemptions-and-law.html"},"modified":"2021-04-23T09:39:28","modified_gmt":"2021-04-23T14:39:28","slug":"district-of-columbia-bankruptcy-exemptions-and-law","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/bankruptcy\/bankruptcy-laws-by-state\/district-of-columbia-bankruptcy-exemptions-and-law.html","title":{"rendered":"Washington, D.C. Bankruptcy Exemptions and Law"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Washington, D.C. Bankruptcy Exemptions and Law<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/j-p-finet-j-d\/\">J.P. Finet, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/bridget-molitor-jd\/\">Bridget Molitor, JD<\/a>\n                | Last updated\n        <time>\n                            April 23, 2021\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<blockquote>If you are a Washington, D.C., resident who can&#8217;t pay your bills and do not see your debt problems getting better in the future, bankruptcy may be an option. Bankruptcy will protect you from creditors and bill collectors while you pay off or eliminate much of your debt. At the end of the bankruptcy proceeding, you should be nearly debt-free and ready to move on with your life without the stress of bills that you know you can never pay.<\/blockquote>\r\n<h2><a id=\"basics\"><\/a>Washington, D.C., Bankruptcy Law<br>\r\n<\/h2>\r\n<p>The U.S. Bankruptcy Court for the District of Columbia is a federal court governed by the <a href=\"https:\/\/www.law.cornell.edu\/uscode\/text\/11\" target=\"_blank\" rel=\"noopener\">U.S. Bankruptcy Code<\/a>. However, federal law allows states and the district to write their own rules about what property their residents can protect from creditors. This protected property is known as \u201cexempt property&quot;.<\/p>\r\n<p>While exemptions are available under federal law, the District of Columbia has opted to implement its own exemption system. The district&#8217;s residents can choose either the District of Columbia&#8217;s exemptions or the federal exemptions, but they need to stick with one for all of their exemptions. You cannot pick and choose between the two on an exemption-by-exemption basis.<\/p>\r\n<p>To better understand the role exemptions play in the bankruptcy process, it helps to be familiar with the two types of personal bankruptcy:<\/p>\r\n<ul>\r\n<li><b>Chapter 7 bankruptcy <\/b>is often called \u201cliquidation&quot; bankruptcy because you must turn over the property you cannot protect with an exemption to a bankruptcy trustee who will sell it and use the proceeds to repay your creditors. Exemptions can play a large role in <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7\/chapter-7-bankruptcy-rules-overview.html\">Chapter 7<\/a> filings because you can lose most of the property not protected by an exemption. In return for giving up all of your nonexempt property, you will usually exit bankruptcy free from nearly all of your debt. However, you must meet strict income thresholds to qualify under Chapter 7.<\/li>\r\n<li><b>Chapter 13 bankruptcy<\/b> lets people who have a steady income reorganize most of their debt and pay it off in three to five years. The payments are made under a court-approved plan that usually eliminates some of your debt. <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13.html\">Chapter 13<\/a> is popular with homeowners because they can often keep their homes.<\/li>\r\n<\/ul>\r\n<p>One of the most important benefits you will enjoy if you file under either chapter is the automatic stay issued by the court when you file. The stay stops all creditor collection activity, including foreclosures and court cases. Collection agencies cannot harass you, giving you the breathing room necessary to resolve your debt problems.<\/p>\r\n<h2><a id=\"debts\"><\/a>Secured vs. Unsecured Debt<\/h2>\r\n<p>When you declare bankruptcy, your debts will usually be categorized as <a href=\"https:\/\/dictionary.findlaw.com\/definition\/secured-debt.html\" target=\"_blank\" rel=\"noopener\">secured <\/a>or <a href=\"https:\/\/dictionary.findlaw.com\/definition\/unsecured-claim.html#:~:text=A%20claim%20or%20debt%20for,debtor%27s%20future%20ability%20to%20pay.\" target=\"_blank\" rel=\"noopener\">unsecured<\/a>. The designation is important because the two types of debt are treated differently in Chapter 7 and Chapter 13 bankruptcy, which will dictate how much you can eliminate.<\/p>\r\n<p>Debt is considered unsecured when a creditor has no right to repossess your property for failure to pay. Credit card debt, court judgments, and medical debt are among the most common types of unsecured debt. Since unsecured creditors hold no collateral for their debt, those debts are the most likely to be eliminated during bankruptcy. But some priority unsecured debts, like unpaid child and spousal support, can&#8217;t be discharged.<\/p>\r\n<p>A secured creditor has the right to repossess your property if you do not repay what you owe. Secured debt is usually the result of a loan transaction where you sign a contract giving the lender the right to seek a lien on your collateral if you don&#8217;t pay. Since creditors retain their right to repossess the property in bankruptcy, you will usually need to give up the property or work out a repayment plan with the creditor. Home mortgages and car loans are the most common types of secured debt.<\/p>\r\n<p>If you file for Chapter 7 bankruptcy, you can usually discharge most of your unsecured debt. But secured debt is treated differently and can rarely be eliminated in a Chapter 7 proceeding. Usually, you will need to choose from one of the following options:<\/p>\r\n<ul>\r\n<li><b>Return the property to the creditor.<\/b> If you choose this option you will lose the property, but you will usually be free from making additional payments.<\/li>\r\n<li><b>Keep the property and continue making payments. <\/b>This is sometimes possible when an exemption covers the equity you have in the item.<\/li>\r\n<li><b>Purchase the property outright.<\/b> This is rare in Chapter 7 cases because you usually need to turn most of your cash assets over to the trustee.<\/li>\r\n<\/ul>\r\n<p>Chapter 13 bankruptcy lets you create a plan to repay your creditors over three to five years. The court must approve your plan and it may force your creditors to reduce or restructure your debt. Mortgage payments are not included in the plan, but the trustee may negotiate a payment agreement with the lender if you are behind on your payments. Unsecured creditors are paid with the <a href=\"https:\/\/dictionary.findlaw.com\/definition\/disposable-income.html\" target=\"_blank\" rel=\"noopener\">disposable income<\/a> left over after you have repaid your secured creditors. Any unsecured debt that is not paid under the plan is discharged when the plan has finished.<\/p>\r\n<h2><a id=\"eligible\"><\/a>Am I Eligible for Bankruptcy in Washington, D.C.?<\/h2>\r\n<p>To file for Chapter 7 bankruptcy in the District of Columbia, you must show that your income is low enough to qualify. This is usually done through one of two means tests.<\/p>\r\n<p>The first test is simple: if your household income is less than the <a href=\"https:\/\/www.justice.gov\/ust\/eo\/bapcpa\/20201101\/bci_data\/median_income_table.htm\" target=\"_blank\" rel=\"noopener\">median household income<\/a> for a similarly sized household in the district, you qualify. For example, <a href=\"https:\/\/www.justice.gov\/ust\/eo\/bapcpa\/20201101\/bci_data\/median_income_table.htm\" target=\"_blank\" rel=\"noopener\">U.S. Census data<\/a> shows that the median household income for a three-person household in the District of Columbia was $130,524 in November 2020. If you live in a three-person household with an income below $130,524, you qualify to file under Chapter 7 in the district.<\/p>\r\n<p>If your household income is above the district median, you can still qualify under Chapter 7 based on your disposable income. Your monthly disposable income is calculated by subtracting your monthly expenses from your monthly income. If the calculation shows that you have little to no disposable income each month, you can file under Chapter7.<\/p>\r\n<p>To file under Chapter 13, you will need to show that you have a steady income and unsecured debt of no more than $419,275. Your secured debt cannot total more than $1.26 million.<\/p>\r\n<h2><a id=\"exemptions\"><\/a>Washington, D.C., Bankruptcy Exemptions<\/h2>\r\n<p>The District of Columbia&#8217;s <a href=\"https:\/\/code.dccouncil.us\/dc\/council\/code\/sections\/15-501.html\" target=\"_blank\" rel=\"noopener\">exemption system<\/a> can be used by anyone who resides in the district before filing for bankruptcy. As we&#8217;ve noted earlier, you can also choose to use the federal exemptions if they are more beneficial to you. If your property falls within one of the exemptions, you can protect it from creditors during bankruptcy and use it to start over when you are finished.<\/p>\r\n<p>If you are married and filing for bankruptcy jointly, you may take advantage of the \u201cdoubling rule&quot; that allows you to each claim an exemption for property you own together. This effectively doubles the size of the exemption for married couples. However, the rule does not apply to the homestead exemption.<\/p>\r\n<h3>The Homestead Exemption<\/h3>\r\n<p>The District of Columbia gives its residents one of the most generous homestead exemptions in the country. If you own your home, you will be allowed to exempt 100% of your equity as long as you and\/or your dependents are living in it. You can claim the exemption regardless of your home&#8217;s value. That means if you are living in a $1 million Georgetown townhouse that you own outright when you declare bankruptcy, your creditors cannot force you to sell.<\/p>\r\n<p>To claim the full exemption, you must have owned the home for at least 1,215 days before filing for bankruptcy (roughly three years, four months). If you have not owned your home for that length of time, your exemption is limited to $155,675. However, if you moved to your current home from somewhere else in the District of Columbia, the $155,675 limit does not apply to any value transferred from your previous residence. To exempt the transferred value, you must have acquired your previous home more than 1,215 days before filing for bankruptcy.<\/p>\r\n<p>The District of Columbia&#8217;s homestead exemption may be applied to your home, condominium, co-op, or other real property. Additionally, deposits on residential condominiums are exempted.<\/p>\r\n<h3>Wage Exemption<\/h3>\r\n<p>You are allowed to exempt at least 75% of your unpaid wages or pension payments each month if you are the head of your family. The bankruptcy judge may allow you to protect a higher percentage of your wages if you can show you are low-income.<\/p>\r\n<p>The District of Columbia will also allow you to exempt non-wage earnings or pension payments of up to $200 per month if you are the head of a family. For those who are not the head of the family, the exemption drops to $60 a month for up to two months.<\/p>\r\n<h3>Motor Vehicle Exemption<\/h3>\r\n<p>You are allowed an exemption of no more than $2,575 for your equity in one motor vehicle.<\/p>\r\n<h3>Wildcard Exemption<\/h3>\r\n<p>The District of Columbia will allow you to apply an $850 wildcard exemption to any of your property. If you do not take advantage of the homestead exemption, that amount increases to $8,075.<\/p>\r\n<h3>Personal Property Exemptions<\/h3>\r\n<p>The District of Columbia allows residents to exempt the following personal property:<\/p>\r\n<ul>\r\n<li>Clothing, household furnishings, appliances, household goods, animals, books, and musical instruments that do not exceed $425 per item, or $8,625 combined.<\/li>\r\n<li>Provisions for three months<\/li>\r\n<li>Prescribed health aids<\/li>\r\n<li>Family pictures and a family library of not more than $400 in value<\/li>\r\n<li>Higher education savings accounts<\/li>\r\n<li>A burial plot<\/li>\r\n<\/ul>\r\n<h3>Tools of the Trade Exemption<\/h3>\r\n<p>The tools that you need to earn a living, including implements and books, are exempt up to $1,625.<\/p>\r\n<h3>Public Benefits Exemptions<\/h3>\r\n<p>The following public benefits are exempt in the District of Columbia:<\/p>\r\n<ul>\r\n<li>Social Security benefits<\/li>\r\n<li>Unemployment compensation<\/li>\r\n<li>Veterans&#8217; benefits<\/li>\r\n<li>Workers&#8217; compensation<\/li>\r\n<li>Disability benefits<\/li>\r\n<\/ul>\r\n<h3>Insurance Exemption<\/h3>\r\n<p>Payments you receive as a dependent to an insured individual under a life insurance contract are exempt to the extent necessary to support you or your dependents. Any unmatured life insurance contract you own is exempt if it is not a credit life insurance contract.<\/p>\r\n<h3>Pension and Retirement Plan Exemptions<\/h3>\r\n<p>Payments made under a pension, annuity, stock bonus, or profit-sharing plan based on your age, length of service, disability, illness, or death are usually exempt to the extent reasonably necessary to support you or your dependents. Additionally, payments from retirement accounts like 401Ks and IRAs are typically exempt.<\/p>\r\n<p>The retirement benefits of police, firefighters, and teachers are exempt. The pensions paid judges and public school teachers are also exempt.<\/p>\r\n<h3>Other Exemptions<\/h3>\r\n<p>The District of Columbia provides an exemption for any payments you receive for the following purposes:<\/p>\r\n<ul>\r\n<li>Alimony or child support to the extent it is reasonably necessary to provide you or your dependents with support<\/li>\r\n<li>The wrongful death of someone who claimed you as a dependent to the extent it is reasonably necessary<\/li>\r\n<li>Compensation for a loss, including pain and suffering<\/li>\r\n<li>Loss of future earnings to the extent the payments were reasonably necessary<\/li>\r\n<\/ul>\r\n<h2>Need Help Filing for Bankruptcy in Washington, D.C.?<\/h2>\r\n<p>If you live in the District of Columbia and are having trouble paying your bills, hiring an attorney to represent you in bankruptcy may seem like an expensive luxury when you can file on your own. However, even simple bankruptcy cases can involve complex court filings and strict deadlines. An experienced <a href=\"https:\/\/lawyers.findlaw.com\/bankruptcy-law\/district-of-columbia\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">local bankruptcy attorney<\/a> will help guide you through the filing process, represent you in court, and negotiate with creditors to ensure that you retain as many of your assets as the law allows.<\/p>\r\n<p><i><b>Note:<\/b> State laws are always subject to change through the passage of new legislation, rulings in the higher courts (including federal decisions), ballot initiatives, and other means. While we strive to provide the most current information available, please consult an attorney or conduct your own legal research to verify the state law(s) you are researching.<\/i><\/p>\r\n\n<section class=\"fl-faq\">\n    <div\n            class=\"fl-accordion fl-faq-container fl-container\"\n            id=\"faq\"\n            data-testid=\"fl-accordion\"\n    >\n        <div class=\"fl-faq-heading-row fl-flex\">\n            <ul\n                    class=\"fl-faq-buttons fl-flex fl-flex-row fl-items-center fl-no-spacing\"\n                    aria-label=\"View all Frequently Asked Questions\"\n            >\n                <li class=\"fl-faq-buttons-item\">\n                    <button\n                            id=\"button-show-faq\"\n                            data-testid=\"button-show-faq\"\n                            class=\"fl-accordion-filter-button fl-accordion-filter-button-show\"\n                            type=\"button\"\n                            data-focus-other-button=\"true\"\n                            aria-current=\"true\"\n                            aria-disabled=\"true\"\n                            disabled=\"\"\n                    >\n                        Show All\n                    <\/button>\n                <\/li>\n                <li><span aria-hidden=\"true\">|<\/span><\/li>\n                <li class=\"fl-faq-buttons-item\">\n                    <button\n                            id=\"button-hide-faq\"\n                            data-testid=\"button-hide-faq\"\n                            class=\"fl-accordion-filter-button fl-accordion-filter-button-hide\"\n                            type=\"button\"\n                            data-focus-other-button=\"true\"\n                            aria-current=\"true\"\n                            aria-disabled=\"true\"\n                            disabled=\"\"\n                    >\n                        Hide All\n                    <\/button>\n                <\/li>\n            <\/ul>\n        <\/div>\n        <div class=\"fl-faq-questions\">\n            <h3\n                    class=\"fl-faq-title fl-no-margin\"\n                    data-testid=\"fl-faq-title\"\n            >\n                Frequently Asked Questions AboutWashington, D.C. Bankruptcy\n            <\/h3>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-1-faq\"\n                        aria-labelledby=\"button-1-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-1\"\n                    >\n                        <button\n                                id=\"button-1-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-1-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            How Do I Start Bankruptcy in Washington, D.C.?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-1\"\n                            id=\"content-1-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-1-faq\"\n                    >\n                        <p>In the District of Columbia, you are required to complete a credit counseling court within 180 days of filing for bankruptcy. The course will help you assess whether you can pay your debts without filing for bankruptcy. If you are filing under Chapter 13, you may be asked to prepare a repayment plan to file with the court. You must file a completion certificate along with your filing paperwork.<\/p>\n<p>If you are not using an attorney to file, you will begin the bankruptcy process by downloading the correct&nbsp;<a href=\"https:\/\/secure.uslegalforms.com\/cgi-bin\/forms\/search.pl?query=bankruptcy&amp;state=DC&amp;field=anywhere&amp;rating=all&amp;altform=fdlaw&amp;memform=&amp;topic=\" title=\"Bankruptcy forms\" target=\"_blank\" rel=\"noopener\">petition forms<\/a>&nbsp;for the District of Columbia. The instructions will let you know what other forms and documents must accompany your petition when filed.<\/p>\n\n                    <\/div>\n                <\/div>\n                            <div\n                        class=\"fl-accordion-item\"\n                        id=\"section-2-faq\"\n                        aria-labelledby=\"button-2-faq\"\n                        data-testid=\"fl-accordion-item\"\n                >\n                    <h4\n                            class=\"fl-accordion-header fl-flex fl-items-center fl-justify-between fl-no-margin\"\n                            data-testid=\"fl-faq-question-header-2\"\n                    >\n                        <button\n                                id=\"button-2-faq\"\n                                aria-expanded=\"true\"\n                                aria-controls=\"content-2-faq\"\n                                class=\"fl-accordion-button fl-accordion-button-h4 fl-flex fl-flex-auto fl-justify-between is-opened fl-text-underline\"\n                                type=\"button\"\n                        >\n                            How Much Does Bankruptcy Cost in Washington, D.C.?\n                            <span aria-hidden=\"true\">\n                                <i\n                                        class=\"fa fa-angle-down small\"\n                                        aria-hidden=\"true\"\n                                ><\/i>\n                            <\/span>\n                        <\/button>\n                    <\/h4>\n                    <div\n                            class=\"fl-accordion-content active\"\n                            data-testid=\"fl-faq-question-content-2\"\n                            id=\"content-2-faq\"\n                            role=\"region\"\n                            aria-labelledby=\"button-2-faq\"\n                    >\n                        <p>It will cost you $338 to file for Chapter 7 bankruptcy in the District of Columbia and $313 to file under Chapter 13. The fees will be the same regardless of whether you represent yourself or use an attorney. If you can&#8217;t afford to pay the filing fee, you can ask to pay in installments over 120 days. If you earn less than 150% of the poverty line, you can ask that the fee be waived.<\/p>\n<p>Most people who file for bankruptcy will choose to be represented by an attorney. While each case is different, most lawyers in the district will charge between $1,000 and $2,000 for a straightforward Chapter 7 filing. To file under Chapter 13 attorneys generally charge between $2,500 and $3,500, but the costs could be much higher if your finances are complicated.<\/p>\n\n                    <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 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11.8119 19.236 12.01 18.67 12H16M9.00003 14V18C9.00003 18.7956 9.3161 19.5587 9.87871 20.1213C10.4413 20.6839 11.2044 21 12 21L16 12V0.999995H4.72003C4.2377 0.994543 3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div 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                 id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        \n                        \n\n<div class=\"generalCardContainer\">\n            \n<div\n    class=\"fl-image-card fl-image-card--no-max-width fl-image-card--no-min-height fl-card-with-children fl-latl-card fl-image-card-title-on-image fl-flex fl-flex-column\"\n>\n                    <a class=\"\" href=\"https:\/\/www.dcb.uscourts.gov\/\" target=\"_blank\" rel=\"noopener\">\n\n            <div class=\"fl-image-card-image-wrapper fl-image-card-image-wrapper-default\">\n                <img decoding=\"async\" loading=\"lazy\"\n                     src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1747061756\/ability-law\/wp-prod\/content-original-images-BankruptcyCourt\/content-original-images-BankruptcyCourt.jpg?_i=AA\"\n                     alt=\"\"\n                ><\/img>\n                                    <span class=\"fl-eyebrow fl-image-card-eyebrow\">Washington, D.C. Bankruptcy Court<\/span>\n                                            <\/div>\n                <\/a>\n\n        <div class=\"fl-image-card-content fl-flex-basis-100\">\n                    <h2>Where Do I File?<\/h2>\n<p>The <a href=\"https:\/\/www.dcb.uscourts.gov\/.\" target=\"_blank\" rel=\"noopener\">District of Columbia&#8217;s bankruptcy court<\/a> is located at 333 Constitution Ave. NW, Washington D.C. 20001.<\/p>\n\n            <\/div>\n            <div\n            class=\"fl-latl-card-footer fl-flex fl-items-center fl-justify-center\"\n        >\n                    <a class=\"fl-latl-card-footer-link fl-text-lg-medium fl-flex fl-items-center fl-justify-center\" href=\"https:\/\/secure.uslegalforms.com\/cgi-bin\/forms\/search.pl?state=DC&#038;field=anywhere&#038;rating=all&#038;query=bankruptcy&#038;altform=|fdlaw\" target=\"_blank\" rel=\"noopener\">\n\n                <span>Bankruptcy Forms<\/span>\n                <i class=\"fa fa-angle-right medium\" aria-hidden=\"true\"><\/i>\n                    <\/a>\n\n        <\/div>\n    <\/div>\n    <\/div>\n\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>An overview of  Washington, D.C., rules that protect your property in bankruptcy and how those rules would affect your case.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":286821,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2727],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-286842","page","type-page","status-publish","hentry","category-bankruptcy"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286842","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=286842"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286842\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/286821"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=286842"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=286842"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=286842"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=286842"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=286842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}