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Most Federal Way residents have little knowledge of bankruptcy law, and there is also plenty of misinformation. False impressions about bankruptcy prevent some people from even considering it, even though it may be the solution they've been looking for.

The negativity associated with bankruptcy is often promoted by debt collectors who do not want debtors to realize that the government created this powerful tool to help people escape unmanageable debt. People all over the country routinely face dire financial difficulties through no fault of their own. If all of these people were never given the opportunity to escape crippling debt and start over financially, can you imagine what would happen to the economy? The government wants people to maintain their role as active consumers, and that's the real reason bankruptcy laws exist.

Bankruptcy lets you hit the financial reset button, stop harassing phone calls from debt collectors, and get a fresh start when you most need it. You will also be able to keep all or most of your possessions, equity in your home, and your retirement savings. Our Federal Way bankruptcy attorneys urge you to disregard the misinformation and contact our law office for a free consultation.

The process of filing for bankruptcy in Washington is a mystery to most people. Few are aware that they have legal rights relative to their finances. Debt collectors hate our Federal Way bankruptcy lawyers because they know that once you're armed with the facts, their opportunity to harass you is coming to an end. Please look over the following information that outlines the bankruptcy process from start to finish...

• Schedule a free consultation with a Federal Way bankruptcy attorney. The first step is often the hardest, but once you reach out to one of our lawyers you will quickly learn that bankruptcy is a powerful tool designed to help you get out from under crippling debt. Creditors may tell you that bankruptcy will cause you to lose everything or even destroy your credit. This is untrue, and we can prove it. Your King Country bankruptcy lawyer will ask you about your income, lawsuits, bills, taxes, and foreclosure papers. They will then analyze your situation and let you know if bankruptcy is possible, and whether it makes sense for you financially. Our bankruptcy attorneys in Federal Way offer an honest appraisal of your situation, even if it means you aren't eligible to file.
• Making your decision to file for bankruptcy. If you choose to file, your Federal Way lawyer will begin preparing your case. If debt collectors are harassing you, let your attorney know and they can take their calls on your behalf.
• Follow-up appointments with your King County bankruptcy lawyer. Bankruptcies involve plenty of paperwork, so your lawyer will prepare your legal documents so that you can simply stop by and review the details.
• Signing your bankruptcy papers. Once the paperwork is finalized, you will meet with your Federal Way bankruptcy lawyer to sign the documents. Your attorney will take the time to make sure you fully comprehend every detail before signing.
• Filing your case in bankruptcy court. Bankruptcy cases in Federal Way are handled by the US District Court, which is where your lawyer will file your case. This is when all debt collection activities cease. The automatic stay injunction goes into effect and makes it illegal for creditors to send you any bills, sue you in court, call you, or sue to garnish your wages. All foreclosures, car repossessions, and even the IRS are included.
• Your meeting with creditors. In 30 to 45 days from the day you file for bankruptcy you will attend your Meeting with Creditors. Your Federal Way bankruptcy attorney will offer you counsel during this meeting, and ensure that you know what to expect before it takes place.
• Final discharge of your debt. In Chapter 7 bankruptcy situations, usually about three months after your Meeting with Creditors all unsecured debt is discharged. In Chapter 13 cases, the trustee will explain what steps must be taken to consolidate your debt into a payment plan. Simply keep up with all of your monthly payments, and your remaining debt will subsequently be discharged after the three to five year term of the consolidation.
• After the process is finished. If any creditors or debt collectors try to contact you after your debt is discharged, contact your Federal Way bankruptcy lawyer and they will make them leave you alone.

We are experienced bankruptcy lawyers who take these cases very seriously. We routinely see how the ruthless and unfeeling practices of debt collection agencies damage people's self worth and make their stress levels go through the roof. We fight against these uncaring corporate practices by protecting hard working people who are hurting financially and just need a break to start over with a clean slate.

In Washington, filing for bankruptcy is surprisingly affordable and we charge flat fee rates so that additional expenses never come into play. Our bankruptcy attorneys in Federal Way can sometimes arrange a payment plan, depending on the circumstances.

Our Federal Way bankruptcy lawyers have discharged a large amount of debt for clients all over Washington. Many of our bankruptcy clients contact our law office when their financial situation hits rock bottom, but you don't have to wait for things to be at their worst before contacting our law office.

Federal Way in located in magnificent Washington State between Tacoma and Seattle. With a population of around 100,000, it's the fifth largest city in King County. Federal Way began as a hard working logging settlement and was named after old Highway 99, which is not part of the Pacific Highway.

To get more information about the City of Federal Way, explore the official city homepage. This website has all sorts of useful information about Federal Way, including information about how the local government operates. If you live in King County, Washington, your bankruptcy case will be filed at the United State District Court for the Western District of Washington, which you find in the middle of historic downtown Seattle. The U.S District Courthouse is where your meeting of creditors is held.

There is plenty to do in Federal Way and King County, including many parks and other opportunities for indoor and outdoor recreation. You can find out more by visiting the “ Visit Federal Way Washington” website.

We love Federal Way and the people who live there, so if you need help with debt problems, you can trust that we will fight to maximize your relief. Contact our office today and find out if you qualify for bankruptcy in King County, Washington.