All Washington State and Seattle Chapter 7 and Chapter 13 bankruptcy cases handled.

Wondering if you can qualify for Washington State bankruptcy protection and relief? Get help, answers, and information from one of our Seattle bankruptcy lawyers.

• Tired of struggling month in and month out to simply have bill collectors harassing you and your family at all hours of the day and night?
• Have you ever imagined never needing to pay the credit card bills again?
• Are you unemployed or on unemployment?
• Are you charging on your credit cards to help cover your monthly expenses?

If you qualify, our Seattle bankruptcy attorneys will help end your financial nightmare.

Our Washington State bankruptcy attorneys will help you understand the process.

Your creditors and those nasty debt collectors that do their dirty work want you to believe that seeking protection under the Federal and Washington State bankruptcy laws somehow means that you are a bad person or that you have somehow failed in life. Our Seattle bankruptcy lawyers want you to realize that this is absolutely ridiculous.

The simple truth behind these shameless bullying tactics is that the Federal and Washington State bankruptcy laws specifically were brought about to protect hard-working and honest people who have come upon difficult times. Our Seattle bankruptcy attorneys shall help you determine if you qualify for bankruptcy protection and assist you in understanding your legal rights and options under the bankruptcy code.

During these times of economic instability, high unemployment, and financial uncertainty, more and more of our Washington neighbors need help getting back on their feet. Our bankruptcy lawyers in Seattle, WA help hundreds of Chapter 7 bankruptcy and Chapter 13 bankruptcy clients throughout King County every year.

Call our Seattle bankruptcy lawyers today!

Learn about our inexpensive low flat fees and how we can help you wipe out your debts by calling today. Our affordable Seattle bankruptcy attorneys are here to assist you in determining whether or not bankruptcy help and protection is available to you. We can provide you with the legal advice you need to wipe out all or most of your debts.

STOP creditor harassment right NOW!

Our experienced Seattle bankruptcy lawyers and dedicated staff can get creditors off your back, and help you and your family get a fresh financial start. Our Seattle, Washington bankruptcy lawyers will go over your situation in person and help you to find out what your options are under the bankruptcy code.

• We can stop those awful phone calls and scary letters.
• We can stop lawsuits and garnishments, and stop creditors from taking money from your bank accounts and paychecks.
• We can prevent a foreclosure and save your house.
• We can stop repossessions and help you get back on track with your car payments.
• We can eliminate most kinds of unsecured debt – including medical bills, credit cards, payday loans, lines of credit, and even most income taxes more than 3 years old.
• Free up income, and have more money each month.
• Obtain a fresh start.

Frequently asked questions about bankruptcy.

Understandably, when many of our bankruptcy clients first call our offices, they have a lot of questions regarding our services. In talking with our Seattle debt relief lawyers, many of the inquiries relate to similar issues. In order to help our clients get this information quickly, we have created the following summary of the most Frequently Asked Questions (FAQs) during our initial consultations.

How much is my Washington State bankruptcy going to cost? Honestly, it is actually impossible to answer this question without at least knowing something about your financial situation. We know that some local bankruptcy firms advertise ridiculously low prices in attempt to get people to call. Then, from what we are told, when they do call, the advertised price somehow magically increases because they need more work done than just a “really simple bankruptcy petition.”

• How long will it be on my credit report?
  A bankruptcy will appear on your credit report for 10 years.
• Will my credit score go to 0?
  Yeah I get asked this a lot. The answer is no, but unfortunately there isn’t a magical equation for what your score will be. A lot of people’s scores increase after bankruptcy.
• Can I pay family / friends back?
  Do not pay them back within 1 year before filing. Discharge means you don’t have to pay, but doesn’t mean you can’t.
• I don’t have a federal student loan, can I get rid of it in bankruptcy?
  No. A student loan is a loan for an educational benefit.
• Can I keep my house / car?
  You certainly can, and many of our clients keep both. But, you must be current on your payments, and you have to keep current on your payments moving forward. Filing for bankruptcy does not discharge secured creditors unless you are willing to surrender the underlying property securing the debt. Also, if you ever want to refinance your mortgage you should go to another bank. Ask for a payment history from your current lender because after the discharge is entered they do not have to report to the credit bureaus of your on time payments.
• How long does it take?
  A Chapter 7 takes about 3-4 months, while a Chapter 13 takes about 3-5 years, depending on your household income.
• How much will I have to pay into a Washington State Chapter 13 bankruptcy plan?
  This is literally an impossible question to answer in the abstract. This because each of our Chapter 13 bankruptcy clients has a different income, different living expenses, and different debts. The amount that you are required to pay in a Chapter 13 is the result of complex financial analysis based on the Federal and Washington State bankruptcy laws. It also depends on whether your plan is a three year plan or a five year plan, or somewhere in between. In general, however, the calculation starts with your average yearly gross income, then our Everett bankruptcy lawyers subtract out what is allowed under the Bankruptcy Code. This “magical number” is what you are theoretically able to pay your creditors every month while still maintaining your household and other monthly living expenses. But, there are many other factors that go into this analysis. The goal of the Chapter 13 bankruptcy is to allow you to continue to pay and meet your monthly obligations while making a consolidated debt payment to your trustee that gets disbursed to your creditors. And, the goal of the bankruptcy laws and the Chapter 13 means test is to accurately determine the amount of “disposable” income that you have left over after your paying your monthly expenses. This is the amount that you will pay every month in your plan. This can be a complicated analysis, and we highly advise engaging one of our experienced Everett Chapter 13 bankruptcy attorneys so that you have an accurate idea of what you will be required to pay in a Chapter 13.
• Can I keep a credit card?
  You are required to list all debt that you owe. If a card doesn’t have a balance when you file then it can remain open and should be able to keep it. It is up to the financial institution.
• I do owe family / friends, but I don’t want to list them. Is this ok?
  You are required by law to list all debt you owe regardless of who it is owed to and if it is dischargeable or not.
• When can I start rebuilding my credit?
  After you receive your discharge. A Chapter 7 in about 3-4 months, and a Chapter 13 when you are done with your plan.

Seattle Chapter 7 bankruptcy.

If you qualify, our Seattle Chapter 7 bankruptcy attorneys can help you change your life almost overnight. A Washington State Chapter 7 bankruptcy is for people that have no “disposable income” each month – in other words, there is not enough left after paying for rent, food, utilities, and other basic living expenses to pay for creditors, like credit cards and medical bills. The whole process takes about 4 months, and will eliminate medical bills, credit cards, payday loans, and other unsecured debt. It will also rid you of most income taxes more than 3 years old.

How can Chapter 7 bankruptcy help you? You will have more money to spend again, and will be able to get back on your feet financially. That’s why a Chapter 7 bankruptcy is so often called a “fresh start.” We help you achieve this by having professional legal counsel guidance guide you every step of the way with our affordable low flat fees.

Seattle Chapter 13 bankruptcy.

A Washington Chapter 13 bankruptcy is basically a payment plan that is approved by the court for people that have disposable income. You can pay your creditors back some or all of the debt, but on your own terms, not theirs. Most clients pay little or nothing to their credit cards or other unsecured debts. Our Seattle Chapter 13 bankruptcy lawyers can use this type of bankruptcy to stop a foreclosure, and give you a chance to catch up on the missed payments on your house. We can do this for cars, too.

• A Chapter 13 case can alter the contract on your vehicle to make it more affordable.
• A Chapter 13 can protect you while back taxes or child support are paid.

Contact our Seattle Chapter 13 bankruptcy lawyers today to see how we can help you keep your valuable assets!

Receive personal attention from our Washington State bankruptcy attorneys.

Our Seattle bankruptcy lawyers will give you and your case the personal attention that you deserve. You will meet immediately with one of our experienced bankruptcy attorneys, who will look at your unique situation, and see how we can help you. The Seattle bankruptcy attorney will personally answer your questions, and explain the law to you.

The Washington State bankruptcy attorneys from our firm will discuss all options with you, and use bankruptcy as a legal tool to help you to get a fresh start, and to help you get back on top of your life again.

The bankruptcy lawyers in Seattle, WA from our firm are understanding.

Let’s face it. Times are really tough right now. And, our Seattle bankruptcy lawyers know that for many of our clients it is not their fault that they find themselves no longer able to pay their bills. Many of our bankruptcy clients are simply caught in the gears of an ever-worsening economy that seems stuck in neutral at best.

Our Seattle bankruptcy attorneys know that creditors can be really nice when they are selling you something or want you to take out a loan with them. But, if you start to miss payments due to illness or unemployment, they can be abusive.

They will even harass your friends, family, and even call your employer! The creditors will start charging huge fees, bump your interest rates up to the point where you’ll never get ahead, and make you feel overwhelmed and threatened.

Bankruptcy is one of your constitutional rights, and is a legal way of taking control of a tough situation and cleaning up your debts so you can focus on taking care of yourself and your family during these hard economic times. Our Seattle Chapter 7 bankruptcy attorneys are here to aid you in understanding your legal rights and options.

If you qualify, our Seattle Chapter 7 bankruptcy attorneys can help you change your life almost overnight. We offer a free consultation with a Seattle bankruptcy lawyer to discuss your situation and advise you whether bankruptcy is the right option for you. We offer easy payment plans that are available to meet your budget.

We can meet with you right away to help you learn more about ALL of your options. Just give us a call or send us an e-mail us with your questions by filing out our online form.

It is your right to get protection from your creditors.

Under federal law, cities, businesses, and individuals have the right to use bankruptcy laws to get protection from their creditors. The reason the laws are there is to help people who are no longer able to pay all of their bills. If you find yourself “robbing Peter to pay Paul”, and scrambling just to get by, then you most likely qualify for a Chapter 7 bankruptcy.

Do I qualify under the new bankruptcy laws?

Although the new bankruptcy laws changed some of the process, nearly everyone who qualified for a Chapter 7 bankruptcy still qualifies. The “new” laws are now over 5 years old, and our Washington State and Seattle bankruptcy attorneys have helped thousands of people through the process.

Will filing for bankruptcy hurt my credit?

If you have questions about how filing for bankruptcy will affect your credit, we encourage you to give us a call today and talk to an experienced Seattle bankruptcy attorney. We will be happy to review your specific circumstances and assist you in evaluating your unique situation.

The simple truth is that millions of Americans are being forced to file bankruptcy each year (1.5 million cases, many involving married couples, were filed in 2010 alone!). This is because of a serious economic crash. Banks and lenders know what’s happening out there (and many of them have had to get protection, too), and this will be taken into consideration by most people who review credit scores.

It’s easy to get started! Ask about our flexible payment plans.

Our Washington State bankruptcy attorneys are here to help you get a fresh start in life. We offer inexpensive low flat fees. Take the first step by simply calling us today for your free consultation:

(206) 686-6399