Skagit County Bankruptcy Attorneys

If you qualify, become truly debt free in about 4 months.

Put an end to all harassing phone calls.

Wipe out your debts forever.

Keep your property.

WA State bankruptcy lawyers.

Mount Vernon | Burlington | Anacortes | Sedro-Woolley

Skagit County bankruptcy attorneys.

Many Washingtonians do not realize this simple fact.  But it's absolutely true.  If your income and your expenses enable you qualify, filing a Skagit County bankruptcy is one of your guaranteed legal rights.  Bankruptcy is well established as a federal right under our Constitution. 

The Constitution gives Congress the power to write bankruptcy laws and to set up bankruptcy courts.  Thus, the origins of bankruptcy actually trace back to the very roots of our founding fathers.  Even back then, the right to a financial fresh start was seen as a critical part of a healthy economy and society. 

Citizens burdened and trapped by a hopeless amount of debt become paralyzed and unable to contribute to the greater good.  We are Skagit County bankruptcy lawyers, and we serve the entire county, including the cities of Mount Vernon, Burlington, Anacortes, and Sedro-Woolley.  

Skagit County debt relief lawyers.

Our Skagit County debt relief lawyer are very knowledgeable when it comes to the Federal and WA State bankruptcy law.  If you have questions or wonder whether or not a Skagit County bankruptcy might be your best option, you owe it to yourself to learn more about this important form of debt relief and creditor protection. 

Our Skagit County bankruptcy attorneys are here to help you understand your legal rights and determine whether or not you can qualify for bankruptcy protection.  If you are able to do so, it just may be your best option. 

Many of our Western Washington clients are able to completely wipe out 100% of their debts within about four months while being allowed to exempt and keep 100% of their property.  It's true.  If you qualify, bankruptcy can be kind of like a miracle.

What can a Skagit County bankruptcy do for me?

The end result of a Skagit County bankruptcy is called a “discharge”, which is a federal injunction against creditors trying to collect a debt and is good all over the country.   If a creditor tries to collect a discharged debt, they can be sanctioned by a judge.  It is important to note, however, that not every kind of debt is eligible for discharge.

Examples of these kinds of non-dischargeable debts include most back taxes, courts costs and fines, back child support and spousal support, debts incurred as a result of fraud, as well as a few other types of unsecured debts.  Also, student loans are typically not eligible for discharge unless certain specific criteria are met.  If you have questions about whether or not a certain type of debt can be wiped out, our Skagit County bankruptcy attorneys will know the answer.

More importantly, the good news is that nearly all of the most common types of crushing monthly debts CAN BE COMPLETELY WIPED OUT in Skagit County bankruptcy.

In what specific ways can a Skagit County bankruptcy help? 

• It will STOP all those nasty telephone calls.
• It will WIPE OUT all credit card debts and bills.
• It will WIPE OUT all Money Tree, Check Masters, and Pay Day loans.
• It will WIPE OUT most judgments.
• It can also STOP a home foreclosure.
• It will WIPE OUT all medical bills.
• It will STOP all repossessions.
• It will STOP all garnishments.
• It will STOP all lawsuits.

If I file a Skagit County bankruptcy, what happens to all of my personal property?

Of course, a financial fresh start would be meaningless if someone had to lose all their property as a part of the process.  The law allows for fairly generous “exemptions”, which is the property you are allowed to keep by law in a bankruptcy.  Most people can keep their homes, their furniture, their personal belongings, their cars, and their retirement plans if they file a Skagit County bankruptcy.

The laws and exemptions involving property, however, can be complicated.  As a result, it is important that you speak to an experienced Skagit County bankruptcy attorney about what property you can keep in a bankruptcy and what property might be at risk if you end up filing.

A bankruptcy case is started when a debtor files a petition with the bankruptcy court.  The petition and related documents reveal a debtor’s property, debts, income, budget and other financial details that show they are entitled to a fresh start.

There are two ways to get to a discharge for most consumers – a Chapter 7 or a Chapter 13.  In a Chapter 7, a bankruptcy trustee has the power to liquidate non-exempt property to pay creditors as much as possible in a fair, orderly way.  Because most people who file Chapter 7 do not have non-exempt property the trustee just conducts a short hearing to investigate the case and “abandons” the property.

A Chapter 13 involves a three to five year plan to repay some or all of the debts.  A Chapter 13 trustee collects a monthly payment and pays creditors according to the plan.  Debtors with above average income may have to complete a payment plan before getting a discharge.  Sometimes a Chapter 13 is the best option, such as when someone needs to save a house from foreclosure.

After a discharge, people should check their credit report to make sure the debts show up as “discharged in bankruptcy”.  Because every situation is unique, it is important to consult an attorney to discuss your financial situation if you are considering bankruptcy.