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Very few Everett residents have an in-depth knowledge of bankruptcy relief, and there is a lot of misinformation constantly being spread around concerning this process. Most people have never had a reason to give bankruptcy a second thought, but misinformation has resulted in many Washington residents believing that filing is far worse than it really is.

The negativity surround bankruptcy often is perpetuated by creditors who do not want you to fully understand this powerful debt relief tool. Bankruptcy was created by the federal government as a means of helping honest people escape crippling debt. Anyone can reach a point where the amount of their bills can surpass their ability to pay them. This can lead to a never-ending cycle of growing debt with no means of paying it off. This puts a strain on the nation's economy because it prevents hard working individuals from maintaining their role as an active player in our consumer-based economy.

Bankruptcy is an opportunity to obtain debt relief by hitting the financial reset button. It also stops harassing phone calls from debt collectors, and allows you to begin rebuilding your credit. If you're thinking about filing for bankruptcy in the state of Washington, you probably have questions about how the whole process works and whether it will benefit you in the long run. The following information outlines this process, and you can reach out to one of our Everett bankruptcy attorneys today for further information.

Most people are uninformed in regards to the process of filing for bankruptcy in Washington State, and many are also grossly unaware that they have legal rights relative to their finances and debt. Debt collectors hate our Everett bankruptcy lawyers because they know that once we discuss your options, you will likely see the benefits of pursuing debt relief. Before taking the next step, please review the following helpful information which outlines the steps you need to take.

• Schedule a free consultation with one of our Everett bankruptcy attorneys. This may sound relatively easy, but taking the first step is often the hardest. Contact our office for a free consultation, get the facts, and you will discover that bankruptcy is a powerful tool designed to help you recover from crippling debt. If your creditors are telling you that bankruptcy will cause you to lose your possessions or destroy your credit, they are not being honest.

  Your Snohomish County bankruptcy lawyer will ask for information regarding your income, taxes, lawsuits, bills, and any foreclosure papers. Your attorney will then analyze your situation and let you know if bankruptcy makes sense or if you should pursue some other method to resolve your debt. Sometimes bankruptcy is not the answer, but our bankruptcy lawyers in Everett will give you an honest answer based on the law.

• Making your decision to proceed. If filing for bankruptcy is possible and you want to take the next step, your Everett lawyer will immediately begin the process. You can forward any harassing calls from creditors to our office and we will let them know that you've retained professional legal counsel. Take our word for it; most of them already know who we are.
• Follow-up appointments with your Snohomish County bankruptcy lawyer. Bankruptcy cases are most often straightforward, but there is plenty of paperwork that must be completed. Your attorney will prepare all legal documents so that you can stop by our law office, go over the details, and review other pertinent details of your case.
• Signing the documents. Once we prepare your paperwork, you simply meet with your bankruptcy lawyer in Everett to sign the documents. If you're unsure about anything you're signing, your lawyer will take the time to make sure you understand every detail.
• Filing your bankruptcy case in court. Bankruptcy cases in Everett are handled by the US District Court, which is where your lawyer will file your case. If any debt collectors are still trying to contact you in any way, they are now required by law to stop. From this point forward, it is illegal for them to call you on the phone, sue you in court, send you any bills, or attempt to garnish your wages. Filing for bankruptcy in Washington even puts a stop to all foreclosures, IRS collections, and the repossession of your car.
• Your meeting with creditors. About 30 to 45 days after you file for bankruptcy in Washington State, there will be a Meeting of Creditors. Your Everett bankruptcy lawyer will be at your side during this meeting, so that you're prepared for whatever questions are asked.
• Discharging your debt. In Chapter 7 bankruptcy situations, your debt is usually discharged about three months after the Meeting with Creditors, but you are fully protected by the court throughout this timeframe. In Chapter 13 bankruptcy cases, the trustee will tell you what steps you need to take to have your consolidated debt monthly payment plan finalized. As long as you maintain your monthly payments throughout the term of the repayment plan, any remaining debt will subsequently be discharged in its entirety.
• When everything is finished. If you have any trouble with creditors after your bankruptcy is finalized, your Everett bankruptcy attorney will fight back on your behalf and make them leave you alone.

We handle bankruptcy cases with the utmost seriousness, because we've seen firsthand how the unscrupulous practices of debt collection agencies can damage a person's finances while causing their stress level to go through the roof. Your lawyer will fight against these uncaring corporate policies because they understand that bankruptcy laws exist to help people who are faced with serious financial problems. Bankruptcy should never be misrepresented in an effort to make someone feel like a failure in life, just so they can get a few extra dollars from a person that can't afford it.

Hiring a lawyer to file for bankruptcy is surprisingly affordable, and our attorneys offer flat fee rates so that you never have to worry about extra costs. Your bankruptcy attorney in Everett may even be able to set up a payment plan, depending on your circumstances.

Our professional law office handles countless bankruptcy cases, and we are proud that we've been able to help so many people get a fresh start with their finances while putting creditors in their place. Most people contact one of our attorneys when their financial situation reaches rock bottom, but you don't have to wait another minute.

Everett is the seventh largest city in Washington State. Located only 25 miles north of Seattle, the City of Everett was “incorporated” on May 4, 1893 and according to recent census data, is home to over 100,000 residents. Our Washington bankruptcy attorneys serve clients throughout the entire region, including the cities of Seattle, Federal Way, Shoreline, Burien, Kent, Renton, and Des Moines, just to name a few.

The Everett area is also the location of the Xfinity Arena. This is a signature venue that hosts all sorts of incredible events. To find out more information about the City of Everett, we recommend visiting their official city’s homepage by following this link. This website contains all sorts of helpful information about almost everything in Everett, including how its local government functions. If you live in Snohomish County, your bankruptcy case will be filed at the United State District Court for the Western District of Washington . This courthouse is located at 700 Stewart in downtown Seattle.

Our attorneys love Everett and the people who are proud to call it their home. Our Everett bankruptcy attorneys are eager to help you determine the best way to pursue lasting debt relief. Contact our office today and take the first step toward a more promising financial future.