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Our Olympia lawyers explain the bankruptcy process

Most people living in Olympia know very little about bankruptcy law, and there is also a great deal of misinformation. Myths concerning bankruptcy prevents some people from even considering it, even though there may be no way to ever get caught up with their debt.

Negativity associated with filing for bankruptcy is sometimes promoted by debt collectors. Debt collection agencies don't want debtors to realize that the government created bankruptcy to help people escape unmanageable debt and enjoy a fresh financial start. People living in Washington State routinely face significant financial difficulties even though they did everything they could to keep up with bills. For many, bankruptcy is the answer they've been looking for, they just didn't realize it.

Bankruptcy lets you press the financial reset button, which stops harassing phone calls from debt collectors and stops all debt collection immediately. Most people who file are able to keep all or most of their possessions, home equity, and even their retirement savings. Our Olympia debt relief lawyers urge you to forget what you think you know about bankruptcy, and contact our law office for a free consultation.

A few words about Olympia and Thurston County

Olympia is the beautiful capital of Washington State with a population of nearly 50,000, as of 2010. It is also the County Seat of Thurston County, and was incorporated in 1859 as a major cultural center of the Puget Sound region. Only 60 miles from Seattle, Olympia is also close to endless recreation opportunities along the magnificent Olympic Peninsula.

Nature enthusiasts all over the country and Washington State come to Olympia to enjoy it's many parks and trails. The Woodard Bay Natural Resources Conservation Area has some of the most beautiful and diverse flora and fauna in the United States. Thurston County has numerous suburban areas, cities, and quaint little towns. Our Washington State bankruptcy lawyers serve clients throughout the Thurston County area and neighboring regions, including the cities of Seattle, Burien, Shoreline, Renton, and Des Moines, Federal Way, Kent, Bellevue, just to name a few.

To get more information about the City of Olympia, visit their official homepage. This website has all sorts of useful information about Olympia, including topics on local government. If you live anywhere in Thurston County, your bankruptcy case will be filed at the United State District Court for the Western District of Washington . There are two locations, one in downtown Seattle and another in Tacoma. The U.S District Courthouse is where your meeting of creditors will be held, and you will want to discuss this meeting with your lawyer beforehand.

Many favorite Olympia attractions can be found on the “ Visit Olympia” website, so be sure and check it out before you visit. Olympia is an economically thriving city, but many people that live there are struggling financially, usually because of circumstances that were beyond their control. If you are having financial difficulties, our Olympia bankruptcy lawyers have the experience required to help you find a lasting solution. Contact our law office in Olympia today and find out whether you qualify. Your consultation is free, and if you qualify to file your lawyer will show you how you can put a stop to intractable debt.

Understand the process before petitioning the federal bankruptcy court

Filing for bankruptcy in Washington State is a total mystery to most residents. Few are aware that they have legal rights when it comes to debt. The reason debt collectors hate our Olympia bankruptcy attorneys is because they understand that we arm our clients with the facts, which is a powerful weapon to wield against their unscrupulous business practices. Please review the following information outlining the bankruptcy process from start to finish.

• Step 1: Schedule your own free consultation with an Olympia bankruptcy lawyer. It's often said that the first step is the hardest, but when you talk to one of our lawyers you will quickly learn that bankruptcy is a powerful tool you can use to resolve most debt problems. Creditors will likely tell you that bankruptcy causes you to lose everything, or may even destroy your credit for good. This myth is untrue, and your attorney will prove it. Your King Country bankruptcy attorney will want information about your income, if you're currently being sued, monthly bills, taxes, and if you've been served with foreclosure papers. They will thoroughly analyze your situation and let you know if you can file for bankruptcy, and whether it makes sense for you financially. Our lawyers in Olympia offer an honest appraisal of your situation, even if it means that filing for bankruptcy isn't in your best interests.
• Step 2: Making the decision to file for bankruptcy. If you choose to file after getting the facts, your Olympia bankruptcy attorney will start to prepare your case. If you're being harassed by debt collectors, tell your lawyer know and they will start taking the calls.
• Step 3: Follow-up appointments with your Thurston County bankruptcy attorney. Bankruptcies involve lots of paperwork, so your attorney will prepare your legal documents, and you can simply stop by our law office to go over the details.
• Step 4: Signing your bankruptcy papers. Once your paperwork is completed, you will meet with your Olympia bankruptcy attorney to sign all relevant documents. Your lawyer will make sure you fully understand every detail before you sign.
• Step 5: Filing your case in federal bankruptcy court. Bankruptcies in Olympia are handled by the US District Court, which is where your attorney will file your case. Once the signed papers are filed, all debt collection immediately stops. The automatic stay injunction also goes into effect, and this makes it illegal for creditors to contact you in any way.
• Step 6: Meeting with creditors. Thirty to 45 days from the day you file, you will attend your Meeting with Creditors. Your Olympia bankruptcy lawyer will offer you counsel during this important meeting, and make sure that you know what to expect before you attend.
• Step 7: Final discharge of debt. Discharge of debt in Chapter 7 bankruptcy cases usually takes place about three months after your Meeting with Creditors. In Chapter 13 cases, you simply keep up with the monthly payments of your debt consolidation, and your remaining debt will be discharged after the three to five year term is completed.
• After the process is finished. If creditors or debt collectors try to contact you after the discharge of your debt, contact your Olympia debt relief attorney and they will take care of it.

Why choose our team of dedicated Olympia bankruptcy attorneys?

We are experienced bankruptcy attorneys serving clients in the Olympia region, and we take these cases very seriously. We regularly witness how the ruthless practices of debt collection agencies damage people's self worth and make them feel like they are trapped, even though the law provides a way to achieve relief from debt. We proudly fight against these uncaring business practices by protecting hard working Washington residents who are hurting financially, and just need the opportunity for a new financial beginning.

Filing for bankruptcy is more affordable than you may think, and we charge flat fee rates so you never have to worry about hidden costs. Our bankruptcy lawyers in Olympia can sometimes arrange payment plans, depending on the circumstances of the client.

Our Olympia bankruptcy attorneys have helped clients all over the state pursue the discharge of their debt, and if you qualify to file, we can help you do the same. Many people contact our law office when their financial situation is at its absolute worst, but you don't have to wait another minute to find out if filing for bankruptcy can help you experience lasting debt relief.

Contact our law office today for a free consultation with an Olympia bankruptcy attorney who will fight to provide you with the maximum financial relief possible by law.

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