Seattle Chapter 7 Bankruptcy Lawyers

Washington State Chapter 7 Bankruptcy Laws

Seattle Chapter 7 Bankruptcy Attorneys

Need to qualify for a Washington Bankruptcy?

Call a Seattle, WA Chapter 7 bankruptcy attorney.

Chapter 7 Bankruptcy:  Discharge Your Debts For A Fresh Start

The purpose of Chapter 7 Bankruptcy is to discharge your unsecured debts and keep all or most of your property.  Proper bankruptcy planning from of our experienced bankruptcy attorneys will help ensure the timing of your bankruptcy filing so that all of your assets that can be protected will be protected.  With proper planning and legal advice, most Chapter 7 Bankruptcy filers discharge all of their unsecured debt and keep all of their property.

Unsecured Debts:  Unsecured Debts are uncollaterized debts that have no property attached to them.  The most common unsecured debts are credit card debts and medical bills.

What Unsecured Debts can be discharged in Chapter 7 Bankruptcy?  With rare exceptions, the following unsecured debts can be discharged in Chapter 7 Bankruptcy:  Credit card debts, medical bills, pay day loans, car repossession deficiencies, mortgage foreclosure deficiencies and most other unsecured debts such as gym memberships, cell phone contracts, unpaid utility bills, Social Security and Unemployment Income overpayments, and broken car and apartment leases.

What Unsecured Debts cannot be discharged in Chapter 7 Bankruptcy?

In almost all cases student loans, whether public or private loans, cannot be discharged.  A bankruptcy filer must prove “undue hardship” to discharge student loans and this is far more difficult that it may sound.  Our experienced Seattle bankruptcy lawyers can discuss with you what facts you have to establish to prove undue hardship and have a reasonable chance at discharging your student loan debt.

Recent income debt tax cannot be discharged.  If your IRS debt is less than 3 years old and/or your tax returns have been filed late (or audited) within the past 2 years for older tax debt, your income taxes cannot be discharged.

Certain recent credit card charges and cash advances may not be dischargeable.  The U.S. Bankruptcy Code allows a creditor to prevent the discharge of recent cred card charges for luxury goods and services over $850 within 90 days of filing for bankruptcy and cash advances over $550 within 70 days of filing for bankruptcy.  Don’t charge a vacation on a credit card a few months before filing for bankruptcy and expect that debt will be discharged.

There are certain fraudulently incurred debts that cannot be discharge in Chapter 7 Bankruptcy.  Our experienced Seattle Bankruptcy attorneys can discuss these types of debts with you.

Are Lawsuits and Garnishments discharged in Chapter 7 Bankruptcy?  

If the debt underlying the lawsuit or garnishment is a dischargeable unsecured debt, it will be discharged in Chapter 7 Bankruptcy.  For example, if you are sued by a credit card company for an unpaid debt and judgment is issued against you, filing for Chapter 7 Bankruptcy will discharge the judgment and thus also the credit card debt.

Similarly, Chapter 7 Bankruptcy will stop a garnishment and discharge the debt where the debt underlying the lawsuit/judgment that caused the garnishment is a dischargeable debt.

 How can a Seattle Chapter 7 bankruptcy help me?

If you do not have very much income, or not enough to pay more than your basic living expenses, our Seattle bankruptcy attorneys may be able to qualify for a chapter 7 bankruptcy, which has many benefits.

• Discharge unsecured debt like payday loans, credit cards and medical bills. We can often even discharge income taxes!
• Protect your assets, and get a fresh financial start.
• Free up extra income each month
• Stop creditor harassment, and start sleeping at night again!


SEATTLE CHAPTER 7 BANKRUPTCY

WHAT IS A WASHINGTON STATE CHAPTER 7 BANKRUPTCY?

A Washington State Chapter 7 bankruptcy is a kind of bankruptcy where you can discharge nearly all of your unsecured debts.  Keep reading!

It usually takes about 4 months to complete.

WHAT CAN A SEATTLE, WA CHAPTER 7 BANKRUPTCY DO FOR ME?

If you qualify, filing a Chapter 7 bankruptcy is your legal right, and it can do a lot!

It can do the following:

  • Stop a Foreclosure Temporarily - Gives you time to catch your breath and find other options
  • Stop Repossessions
  • Stop Creditor Calls & Letters
  • Stop Garnishments
  • Eliminate Judgments Against You
  • Get Your Drivers License Back
  • Discharges debt under Financial Responsibility laws!
  • Free up Money Every Month
  • Get the IRS Off Your Back
  • Get Protection from the Court Immediately Upon Filing!
  • Restructure Debt on Your Vehicle- Pay less, with lower interest.


A Washington Chapter 7 Bankruptcy can also permanently eliminate many kinds debts, such as:

• CREDIT CARDS
• MEDICAL BILLS
• JUDGMENTS
• OLD INCOME TAXES
• PAYDAY LOANS
• LINES OF CREDIT
• PERSONAL LOANS
• MONEY STILL OWING AFTER REPOS & FORECLOSURES
GET A FRESH START IN LIFE!

HOW DO I QUALIFY FOR A WASHINGTON STATE CHAPTER 7 BANKRUPTCY?

Federal law allows you to file for chapter 7 bankruptcy protection if you meet the following requirements:
• You need some help to get back on course financially.
• You have not filed a chapter 7 bankruptcy where you received a discharge, within the last 8 years.
• You have NO disposable income. That is, you have NO money left over every month after paying your basic living costs.
• You reside in the United States
• You did not voluntarily dismiss a bankruptcy case in the past 180 days.

That’s IT !

OK, I DO NEED SOME HELP.

AND IT LOOKS LIKE I QUALIFY. . . . . .

NOW WHAT?  CALL NOW TO SPEAK WITH A SEATTLE BANKRUPTCY ATTORNEY.


HOW CHAPTER 7 BANKRUPTCY WORKS:

1. You call us and talk to one of our friendly staff or one of our Seattle bankruptcy lawyers.

Our Seattle bankruptcy attorneys and friendly debt relief staff will start by asking you a series of questions, and gather some basic information. We specialize in bankruptcy law, and we will gather important information to make sure your case goes smoothly.

2. Set up an initial consultation with one of our experienced Seattle bankruptcy attorneys.

We will give you a list of things to bring with you that your Seattle bankruptcy attorney can review.  When you meet our attorneys and excellent staff, you will wonder why you never thought of this sooner.  Most people who qualify hire us on the spot.

If you don’t qualify, our Seattle bankruptcy lawyers will go over things that might work, and help you understand your options, even if bankruptcy is not one of them.

3. You decide you want to move forward.

Our Seattle bankruptcy attorneys will take all the information you give us, and will open a file for you.  Our Seattle bankruptcy attorneys will go through everything and see if there is anything missing.  We may give you a list of things to do.

4. Pre-Bankruptcy Planning

The laws can be like a mine field. That’s why you’re hiring experienced professionals. Our Seattle bankruptcy attorneys will make sure that all of your assets and property will be protected. And we will make sure you don’t have any nasty surprises.

5. We do all the work!

Bankruptcy cases take a lot of work, and are very hard to do on your own.  Our Seattle bankruptcy lawyers will guide you through the process, do the work, and make sure your case goes smoothly.

6. Our bankruptcy attorneys go to Court with you.

About 30 to 45 days after we file your case, you will need to appear at a Meeting of Creditors.  Our Seattle bankruptcy attorneys will be there with you, and will make sure you are ready.

7. Our Seattle bankruptcy lawyers will be with you every step of the process until you obtain your final discharge.

Sometimes creditors pop up that you didn’t know about, or some might keep trying to collect. Our service includes stopping those creditors. Our Seattle bankruptcy lawyers also follow up with you to make sure you do everything necessary to complete your case.


DON’T HESITATE, CALL FOR A FREE CONSULTATION AND GET THE INFORMATION YOU NEED TODAY!