Always consult with a Washington bankruptcy lawyer before you file for Chapter 7 or Chapter 13
Without the help of a Washington bankruptcy lawyer who knows both the U.S. Bankruptcy Code and the allowed Washington state exemptions, you may get yourself into more financial trouble. A Washington bankruptcy lawyer of Total Bankruptcy can review your situation and give you a free, no-obligation consultation. Don't live another day in financial torment. A new day has come with the launch of Total Bankruptcy - a total resource guide to consumer debt consolidation.
Why choose Chapter 7 over Chapter 13 protection?
To answer these questions and more, Total Bankruptcy was established to give consumers more control over their fincial status. Before you do anything, you should get advice from a Washington bankruptcy lawyer who understands all the legal complexities of debt consolidation protection. From understanding the exemption information specific to the state to finding a qualified legal counsel - We are a wonderful resource for you.
|
Edmonds
320 Dayton Suite 101 Edmonds, WA 98020 Map | Directions | Case Evaluation |
Mount Vernon
1020 South 3rd Street Mount Vernon, WA 98273 Map | Directions | Case Evaluation |
|
|
||
|
Richland
1060 Jadwin Ave. Suite 125 Richland, WA 99352 Map | Directions | Case Evaluation |
Seattle
1001 Fourth Avenue Suite 3200 Seattle, WA 98154 Map | Directions | Case Evaluation |
|
|
||
|
Silverdale
SERVING THE ENTIRE METRO AREAS OF KITSAP, JEFFERSON, MASON AND CLALLAM COUNTIES Silverdale, WA 98383 Map | Directions | Case Evaluation |
Spokane
1903 N. Ash Spokane, WA 99205 Map | Directions | Case Evaluation |
|
|
||
|
Spokane
221 N. Wall #500 Spokane, WA 99201 Map | Directions | Case Evaluation |
Vancouver
2418 Main Street Vancouver, WA 98660 Map | Directions | Case Evaluation |
|
|
||
» Back to Locations Map |
||
The first step in the Chapter 13 or Chapter 7 process should begin well before you ever get close to the courthouse. You need to find an experienced Washington bankruptcy lawyer.
For a Chapter 13 filing, your attorney will meet with you to assess your financial situation, explain the entire process and work with you to set up a debt repayment plan that you can live with. Once you hire someone with whom you are comfortable, your next step will be to file your petition. Your petition will list certain personal information about yourself, your spouse, and your family. You must also stipulate all your income, your property (assets), your expenses, and all debts (liabilities). Additionally, you must select the specific exemptions to which you should be entitled (exemptions are the laws that prevent your creditors from taking your property away from you). The court will likely issue an Automatic Stay order. This order prohibits your creditors from collecting their debts from you, from repossessing your car or other property, and from starting or continuing any legal actions against you.
You can only qualify for a Chapter 13 if you are able to meet the terms of your repayment plan. By law you are required not only to have a "regular" source of income, but also have sufficient "disposable income" to make your monthly payments in a timely fashion. If your secured debts (which include loans you have secured by liens on your property, such as your home and auto loans, and even IRS tax liens) exceed $922,975, you are not eligible for a Chapter 13. Also, your unsecured debts may not exceed $307,675 (unsecured debts are debts for which you have not pledged any of your property as collateral-such as most credit card debt, personal loans, and utility bills.
If most of your debts are unsecured a Chapter 7 may work best for you. If a debt is unsecured-that is, with no collateral backing it up-it typically can be discharged in with a Chapter 7 filing. Unsecured debts include credit card debt, medical bills, most personal loans and garnishments among others.
Call the Total Bankruptcy Law Line at (877) 349-1309, visit one of our many office locations or use our secure online case evaluation form
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.