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Stop Creditor Harrassment and Collection Calls

Posted by Ellen Brown | Dec 18, 2023 | 0 Comments

When someone owes money to a creditor, the creditor may start calling and sending letters to try to get the money back. Sometimes, the creditor may call very often and use threatening or scary words to try to get the money back. This can be very stressful and scary for the person who owes the mon...

Can bankruptcy stop my garnishment?

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

Yes, bankruptcy can usually stop a garnishment. A garnishment is a legal process where a creditor takes money directly from your paycheck or bank account to pay off a debt. If you file for bankruptcy, an automatic stay will go into effect. This means that most collection activities, including gar...

Bankruptcy Before Divorce

Posted by Ellen Brown | Dec 13, 2023 | 0 Comments

If you and your spouse are considering filing for bankruptcy and divorce in Western Washington State, the parallel processes can be tricky as much as they can be detrimental to your unique situation. Several factors must be taken into consideration. Timing is important and can affect the complexi...

How does bankruptcy affect credit scores?

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

Beleive it or not your credit score will usually improve after filing for bankruptcy!  Filing for bankruptcy fcan also provide a fresh start for people who are struggling with overwhelming debt. After a bankruptcy discharge, you are able to start rebuilding your credit by making on-time payments ...

Why do people file for bankruptcy?

Posted by Ellen Brown | Nov 01, 2023 | 0 Comments

People file for bankruptcy because they are unable to pay their debts and need a way to get a fresh financial start. Sometimes, people experience unexpected events, like a job loss, a medical emergency, or a divorce, that leave them with too much debt and not enough money to pay it all back. In t...

What is a discharge in bankruptcy?

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

A discharge in bankruptcy is like a "get out of debt" card. It means that you no longer have to pay back certain debts. The court gives you this discharge after you successfully complete a bankruptcy case. This means that creditors can't try to collect money from you for those debts anymore. Not...

What is a meeting of creditors in bankruptcy?

Posted by Ellen Brown | Oct 27, 2023 | 0 Comments

A meeting of creditors, also known as a 341 meeting, is a hearing that takes place in the bankruptcy process. During this meeting, the person who has filed for bankruptcy (known as the debtor) meets with a bankruptcy trustee by telephone or zoom and any creditors who have chosen to attend (this i...

Can bankruptcy discharge medical bills?

Posted by Ellen Brown | Oct 25, 2023 | 0 Comments

Yes, medical bills can  be discharged in bankruptcy. This means that if you file for bankruptcy, you will no longer be responsible for paying back your medical debts.  It's important to talk to a bankruptcy lawyer to understand how bankruptcy can affect your specific medical debt.

Can I get a car loan after I file bankruptcy?

Posted by Ellen Brown | Oct 23, 2023 | 0 Comments

Absolutely! You will find your mailbox stuffed with offers after you file.  Why? Since you will not be able to file Chapter 7 again for eight years you have become part of the group that is one of the best credit risks for lenders.   To increase your chances of getting approved for a car loan af...

Can I get a mortgage after I file bankruptcy?

Posted by Ellen Brown | Oct 20, 2023 | 0 Comments

Absolutely!  Most of our clients have successfully qualified for a mortgage within three years of filing. To increase your chances of getting approved for a mortgage after bankruptcy, it is important to do the following: Work on rebuilding your credit: This may involve getting a secured cre...

Can filing bankruptcy help my credit score?

Posted by Ellen Brown | Oct 18, 2023 | 0 Comments

After you file for bankruptcy, you may find that you are able to get approved for credit more easily than you were before. This is because bankruptcy can help you get out from under a large amount of debt, which can make it easier to manage your finances and pay your bills on time. By using credi...

What is the bankruptcy means test?

Posted by Ellen Brown | Oct 16, 2023 | 0 Comments

The bankruptcy means test is a tool used to determine whether a person is eligible to file for Chapter 7 bankruptcy.  The means test compares the person's income to the average income for similar people in their state. If the person's income is below the average income, they are generally eligib...

Can I keep my car if I file bankruptcy?

Posted by Ellen Brown | Oct 13, 2023 | 0 Comments

Yes!  If you want to keep your car almost all cars are protected by exemptions  (which protect you so your creditors cannot take your belongings).  You will need to keep your payments current and make sure to keep insurance on the vehicle as required by your lender. Speak with a bankruptcy attor...

Can I keep my house if I file bankruptcy?

Posted by Ellen Brown | Oct 11, 2023 | 0 Comments

In Washington State because of the generous laws protecting your home almost all homes are protected and your bankruptcy attorney will ensure that you qualify for this protection under a Chapter 7 bankruptcy.  If your payments are not current then you may be able to file a Chapter 13 bankruptcy,...

How much does it cost to hire a bankruptcy attorney?

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

The cost of hiring a bankruptcy attorney will depend on a number of factors, including the attorney's hourly rate, the complexity of your case, and where you live. In general, you can expect to pay anywhere from $750.00 to $900.00 for a bankruptcy attorney. Some attorneys may charge a flat fee fo...

Bankruptcy After Divorce

Posted by Ellen Brown | Oct 06, 2023 | 0 Comments

If you and your spouse are considering filing for bankruptcy and divorce in Washington, the parallel processes can be tricky as much as they can be detrimental to your unique situation. Several factors must be taken into consideration. Timing is important and can affect the complexity, costs, and...

What is Chapter 7

Posted by Ellen Brown | Oct 04, 2023 | 0 Comments

Debt can accumulate quickly, and before you know it, you are beyond any ability to manage it. Debt impacts your credit history as much as it does your quality of life. Creditors and third-party collection agencies can cause serious stress. Fortunately, even when you think a solution does not exis...

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