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Experienced Washington bankruptcy lawyers can explain all your legal options.
Washington state bankruptcy lawyers can protect you from losing your house, car and other possessions due to poor family finances. To make the details of Washington state bankruptcy legislation work for you, however, you need bankruptcy lawyers who can give you the best advice and counsel. Whether or not you should file in Washington state bankruptcy courts - and how you file - are questions you need to discuss with the sponsoring bankruptcy lawyers from Legal Helpers.
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Legal Helpers is the largest practice specializing in this field in America. They offer clients considering a bankruptcy a combination of affordable fees, highly experienced Washington state bankruptcy attorneys and excellent client service. Their free 24-hour information hotline could be your first step to using Washington state bankruptcy laws to your advantage for a more secure future.
Is a Chapter 7 the right choice for you?
Chapter 7 Washington state bankruptcy may eliminate most kinds of unsecured debt. Some examples of unsecured debts are credit cards, medical bills, most personal loans, judgments resulting from car accidents, and deficiencies on repossessed vehicles.
In addition to getting rid of your debt, you typically can keep all of your property. As long as your car and mortgage payments are current, and there is no significant equity in your property, we should have no problem making the arrangements for you to reaffirm the debt. Keep your home, keep your car, keep your personal belongings, but eliminate your debt; that is our goal. Legal Helpers may be able to use Chapter 7 Washington state bankruptcy to provide you with many benefits.
Should you also consider Chapter 13?
Chapter 13 Washington state bankruptcy is an interest-free debt repayment plan through which you consolidate your debts and make a payment on your debt over a 3 to 5 year period. While in a Chapter 13 debt repayment plan, the creditors cannot collect from you, and the creditors are required by a Federal Court order to adhere to the terms of the plan.
One very important thing to remember about Chapter 13 Washington state bankruptcy is that you must be working or have a consistent source of income for your repayment plan to be approved by the court. Not only must you be able to pay for your monthly living expenses, but you must also be able to make a payment to the court to consolidate your debts.
If your home is presently in foreclosure, a Chapter 13 Washington state bankruptcy filing will stop the foreclosure any time prior to the sale, and allow you to repay your mortgage arrears through your Chapter 13. You will still be obligated to make all future mortgage payments directly to the mortgage company, but they may not foreclose to collect any outstanding mortgage payments.
Debts that are generally consolidated in a Chapter 13 Washington state bankruptcy are mortgage arrears, balances on vehicle loans, student loans, credit card debts and other unsecured debts. All outstanding debts must be included in the Chapter 13 consolidation.
Our firm's Washington bankruptcy lawyers only handle Chapter 7 and Chapter 13 consumer cases, so our clients have the peace of mind that their cases are being handled by some of the most experienced attorneys in the country.
Use our free legal evaluator to see if you should contact Legal Helpers