Consumer Bankruptcy

Putting a Stop to Creditor Harassment

Serving Individuals Throughout Snohomish and King Counties

If you are being crushed by debts you cannot afford to repay, filing for consumer bankruptcy may allow you to end the phone calls, stop foreclosure, and permanently discharge some or all of your debts.

The moment you file for bankruptcy, an immediate stay is placed on all collection efforts against you. That means that creditors and collection companies must stop calling and foreclosure on your home must be stopped.

If you are considering consumer bankruptcy, contact me to schedule a free initial consultation with an experienced bankruptcy lawyer. I have been practicing bankruptcy law for three decades and have helped many clients successfully file for consumer bankruptcy under both Chapter 7 and Chapter 13 of the Bankruptcy Code.

Erasing Your Debts in Chapter 7 Bankruptcy

Chapter 7 bankruptcy is sometimes called straight bankruptcy or liquidation bankruptcy. The idea is to allow debtors to erase their debts and start over with a clean slate. Most clients who qualify for Chapter 7 are able to keep all of their assets and to discharge ("wipeout") their debts.

Not everyone is eligible for Chapter 7 bankruptcy. I can help you determine whether you qualify. Also, Chapter 7 is not right for everyone. Some debts, such as taxes, student loans, and child support obligations cannot be erased in most Chapter 7 bankruptcies. If you want to keep certain property — like a home or vehicle — any mortgages or other loans connected to that property must continue to be paid.

Getting You on a Reasonable Payment Plan With Chapter 13 Bankruptcy

Under Chapter 13, you submit a payment plan to repay some or all of your debts over a three- to five-year period. If the plan is approved by the bankruptcy court, creditors may not harass you. If you successfully complete the payment plan, your remaining debts — if eligible for discharge — will be erased.

Chapter 13 bankruptcy allows for reorganization of debt. If you own a home and are in arrears on the house payments, for example, or have too much equity in the house, Chapter 13 may be right for you. If your income is too great or your assets are too valuable you may still be eligible for a Chapter 13 bankruptcy though you may not wish to file Chapter 7.

Each bankruptcy chapter has its own benefits and pitfalls. Contact me at my offices in Lynnwood, Washington, to discuss your consumer bankruptcy options and determine which of these options may work for you.

Knowledgeable About Recent Changes to the Law

In 2005, Congress amended the Bankruptcy Code, making it harder for many people to obtain bankruptcy protection, especially Chapter 7 protection. These changes mean much of the knowledge that bankruptcy attorneys and financial advisers had before that time no longer applies.

I am fully familiar with the changes to the code and can help you understand how they affect you and what your rights are under the new consumer bankruptcy system.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.