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How do I file for bankruptcy?

Posted by Ellen Brown | Jul 28, 2023 | 0 Comments

If you are thinking about filing for bankruptcy, there are a few steps you need to take: Find a bankruptcy lawyer: It is a good idea to hire a lawyer who specializes in bankruptcy to help you through the process. Your lawyer can help you understand your options and guide you through the steps ...

What are the different types of bankruptcy?

Posted by Ellen Brown | Jul 26, 2023 | 0 Comments

There are several different types of bankruptcy, but the most common types for individuals are Chapter 7 and Chapter 13. Chapter 7 bankruptcy, also known as a fresh start bankruptcy where much of the person's debts will be elimated, which means they don't have to pay them anymore. Chapter 13 ba...

How does bankruptcy work?

Posted by Ellen Brown | Jul 24, 2023 | 0 Comments

Bankruptcy is a legal process that helps people who are having trouble paying their debts. Before someone can file for bankruptcy, they have to take a class to learn about managing their money. Once the person has filed for bankruptcy, a court order called an "automatic stay" will go into effec...

What is Bankruptcy?

Posted by Ellen Brown | Jul 21, 2023 | 0 Comments

Bankruptcy is a legal process that can help people who are having trouble paying their debts get a fresh start. If someone owes more money than they can pay.  There are two main types of bankruptcy that people can file: Chapter 7 and Chapter 13. Chapter 7 bankruptcy is also known as the "Fresh S...

Bankruptcy During Divorce

Posted by Ellen Brown | Jul 19, 2023 | 0 Comments

Bankruptcy Lawyer in Western Washington: Understanding the Impact of Divorce If you and your spouse are considering filing for bankruptcy and divorce in Western Washington, the parallel processes can be tricky as much as they can be detrimental to your unique situation. Several factors m...

Avoid IRS Scams

Posted by Ellen Brown | Jul 14, 2023 | 0 Comments

Crooks impersonating the IRS either by phone, email or in person cost people their time and money. The IRS urges people to stay vigilant against schemes and scams and avoid becoming a victim. Here are some important tips for taxpayers to keep in mind to avoid scams: How the IRS initiates contac...

What questions are asked at a 341 Meeting of Creditors

Posted by Ellen Brown | Jul 03, 2023 | 0 Comments

The questions the Trustee asks are the same questions we will discuss at your consultation.  They may include: 1.  State your name 2.  Did you sign the documents filed with the court? 3.  Did you list all of your assets and debts? 4.  Do you owe any alimony or child support? 5.  Have you fil...

Avoid Credit Card Scams

Posted by Ellen Brown | Jun 30, 2023 | 0 Comments

How to Protect Yourself from Credit Card Scams Credit card scams are on the rise, and it's more important than ever to be aware of them and how to protect yourself. Here are some tips: Be wary of unsolicited emails, texts, and phone calls. Scammers often use these methods to try to trick you...

The downside of Debt Management Programs

Posted by Ellen Brown | Jun 09, 2023 | 0 Comments

Here are a few downsides of debt management programs: 1.  Many people are not able to get any new credit while in the protgram 2.  The program affects the length of credit history 3.   The credit accounts will be closed 4.  The creditors may choose to sue you or not work with the companies

What factors make up my credit score?

Posted by Ellen Brown | Jun 07, 2023 | 0 Comments

Your credit score is calculated using a variety of factors, including: Payment history (35% of your score): Your payment history is the most important factor in determining your credit score. Lenders want to see that you have a history of making on-time payments. Amounts owed (30% of your s...

Why is bankruptcy is better than Debt Management programs

Posted by Ellen Brown | Jun 05, 2023 | 0 Comments

Have you considered using a debt consolidation plan with one of the many debt settlement companies (i.e. National Debt Relief)? Debt relief (or debt settlement) is a program offered by third-party debt relief companies to borrowers struggling to make debt payments. Typically, these companies enc...

Can I get rid of my medical bills by filing bankruptcy?

Posted by Ellen Brown | May 29, 2023 | 0 Comments

Yes, you can get rid of medical bills in bankruptcy. In fact, medical bills are one of the most common types of debt that people file for bankruptcy to discharge. If you are considering filing for bankruptcy to get rid of medical bills, it is important to give us a call at Brown and Seelye to ...

How do I dispute incorrect items on my credit report?

Posted by Ellen Brown | May 24, 2023 | 0 Comments

Here are the steps on how to dispute your credit report: Get your credit report. You can get your credit report for free once a year from each of the three major credit bureaus: Experian, Equifax, and TransUnion. You can get your credit report online, by mail, or by phone. Review your credi...

What are the top 10 benefits to filing bankruptcy?

Posted by Ellen Brown | May 22, 2023 | 0 Comments

Here are the top 10 benefits to filing bankruptcy: A fresh start. Filing for bankruptcy can give you a fresh start by wiping out most of your debt. This can help you to improve your credit score and financial situation over time. Protection from creditors. Filing for bankruptcy will stop cr...

What cities does Brown and Seelye serve?

Posted by Ellen Brown | May 19, 2023 | 0 Comments

We serve all cities in Western Washington including the following: Aberdeen Acme Airway Heights Albion Allyn Arlington Auburn Bainbridge Island Battle Ground Bellingham Bellevue Black Diamond Bonney Lake Bothell Bremerton Brier Burien Burlington Camas Carbonado Carnation C...

Bankruptcy Can Improve Your Credit Score

Posted by Ellen Brown | May 15, 2023 | 0 Comments

Bankruptcy will improve your credit score and make it easier to get approved for new loans or credit cards. While you are rebuilding credit there are things you can do to improve your credit score quickly, such as paying your bills on time, keeping your credit utilization low, and disputing any i...

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