Steven C. Fraser, P.A. — Over 25 years of experience representing consumers in bankruptcy, debt defense, and creditor rights litigation across Washington DC and Florida.
Steven C. Fraser is a bankruptcy and consumer protection attorney admitted to practice in both Washington DC and Florida. For more than 25 years, he has represented individuals facing unmanageable debt, aggressive debt collectors, and credit reporting errors. His practice is built on direct, personal representation — every client works with Attorney Fraser from the first call through case resolution.
Attorney Fraser concentrates on Chapter 7 liquidation and Chapter 13 repayment plans filed in the U.S. Bankruptcy Court for the District of Columbia and the three federal bankruptcy courts in Florida. He also litigates affirmative claims under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) when creditors, debt buyers, or credit bureaus violate the law.
A significant portion of Attorney Fraser's DC practice involves defending consumers sued by debt buyers and collection agencies in DC Superior Court Calendar 18 — the dedicated calendar for debt collection cases. He regularly appears against Midland Credit Management, Portfolio Recovery Associates, LVNV Funding, and similar entities, challenging standing, statute of limitations, and procedural defects.
Attorney Fraser earned his B.A. from California State University in 1987 and has maintained active bar memberships in both Florida and the District of Columbia throughout his career. He is a Florida Supreme Court Certified Mediator (DFS #37256 CFR), bringing mediation skills to negotiation and case resolution.
All DC consultations and representation are handled virtually by phone or video. No office visit is required. Same-week consultation appointments are typically available.
Complete liquidation under 11 U.S.C. § 701 et seq. Discharge of credit cards, medical bills, personal loans, and other unsecured debt. Means test analysis with current DOJ median income data.
Court-supervised repayment plans under 11 U.S.C. § 1301 et seq. Mortgage arrears cure, lien stripping, and cramdown. 3-to-5-year plans with remaining balance discharged at completion.
Affirmative claims against debt collectors under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. Statutory damages up to $1,000 plus actual damages and attorney's fees.
Credit reporting errors and furnisher violations under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. Dispute handling, litigation against bureaus and furnishers.
DC Consumer Protection Procedures Act claims and defense against unlawful collection practices. Automatic stay enforcement under § 362(k) with sanctions for willful violators.
Defense of consumers sued by debt buyers in the dedicated DC Superior Court debt collection calendar. Challenges to standing, statute of limitations, and documentation deficiencies.
2022, 2023, 2024
2023, 2024, 2025
2023, 2024
Recognized for sustained pro bono commitment
2024
Same-week appointments typically available. All DC representation handled by phone or video. No office visit required.