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Each year, bankruptcy helps thousands of people safely eliminate their debts. In the past, it’s helped people stay in their homes, keep their cars, and regain control of their finances.
Could filing bankruptcy help you? Washington state bankruptcy laws provide some of the strongest protections in the country. But bankruptcy may affect everyone differently.
Get answers and free bankruptcy case evaluation with a Seattle bankruptcy attorney by completing the free form on this page. Or call anytime, toll free, 877-349-1309, and we’ll connect you right away.
Bankruptcy provides several different tools designed to help you regain control when your financial debts reach a dangerous level.
And while the laws vary in each state, Seattle residents may take advantage of generous Chapter 7 exemptions.
Chapter 7 bankruptcy is typically the quickest form of bankruptcy. It focuses on your credit card, medical and personal loan debt, and may have those completely retired in only a few months.
It’s often a good option for people with lots of credit card debt, who don’t have much regular income. And, using Chapter 7 exemptions, you may be able to protect your home, car and other important possessions from a forced sale.
The Chapter 7 exemptions provide a specific outline of what and how much property is fully protected. They also address wage garnishment.
Chapter 7 isn’t your only bankruptcy option in Seattle. That’s the beauty of bankruptcy. There are many tools and options, like a Chapter 13 payment plan, you may use to make debt relief really work.
Both types of bankruptcy also include the automatic stay. This is the court order that puts an end to all types of collection. This means that not only will the letters and phone calls from creditors stop, but pending foreclosures and repossessions will as well.
The automatic stay typically takes effect from the moment you officially file bankruptcy to the end of your case. For Chapter 13 bankruptcy filings, you may be under its protection for several years.
Ideally, once you emerge from bankruptcy, you won’t need this type of protection because all of your debts will be have been closed.
You may want to speak with a Seattle bankruptcy lawyer if you’re interested in:
For a free case evaluation with a local bankruptcy lawyer in Seattle, complete the free form on this page.
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