Do I Qualify for Bankruptcy in Seattle?

For people mired in crippling debt, bankruptcy offers a way to get a fresh start. While anyone can file for bankruptcy in the state of Washington, you must file in the federal district from which you've lived for the last 90 days. For Seattle residents seeking bankruptcy, this falls under the jurisdiction of the United State District Court for the Western District of Washington.

Ultimately, your ability to file for either Chapter 7 or Chapter 13 bankruptcy will depend on a variety of factors. Your lawyer will ascertain whether petitioning the court for bankruptcy is beneficial. If so, the next step is to determine which variety of bankruptcy is possible, or makes the most sense in your particular situation. If you've filed for a Chapter 7 bankruptcy within the last eight years, you will not be able to file again.

if you would like to find out more about bankruptcy, and whether you qualify, contact our law office in Seattle today and speak with one of our experienced lawyers without cost or obligation. If getting a fresh financial start sounds appealing, we can help.

• Before filing for bankruptcy in Washington State, you must take a credit counseling course
• If you earn more than the median Washington household income, you must undergo a means test to determine whether your bankruptcy can continue
• To qualify for Chapter 13 bankruptcy you must earn enough money to make monthly payments on your consolidated debt
• You will be required to attend hearings in the Seattle Court, so get help from our experienced legal team before taking the first step

If you're fed up with harassing phone calls from creditors, and just can't get out from under mounting debt, bankruptcy may be the answer to your problems. Not only does petitioning the US District Court for bankruptcy immediately stop all of the phone calls and wage garnishments resulting from debt, it also sets into motion a series of events which will ultimately determine the success of the petition.

Our experienced bankruptcy lawyers in Seattle have handled hundreds of cases, and can usually ascertain whether you qualify after a short conversation that won't cost you a penny. If you want to get your finances under control, contact our office and let us help.

Before filing for bankruptcy, you are required to take a credit counseling class, which allows you to review your circumstances and determine whether this option is right for you. If so, your lawyer can help you take the next step by petitioning the court on your behalf.

If you earn under the Washington State median household income, you can likely file for Chapter 7 bankruptcy, which will allow you to discharge most or all of your debt, including credit card obligations and medical bills. if you earn more than the median amount, you will need to go through a means test which will determine whether you can file for Chapter 13. In order to qualify for Chapter 13 bankruptcy in Seattle you must be able to maintain monthly debt consolidation payments for three to five years.

The bankruptcy process is usually straightforward, but the most difficult part of the process for most people is taking the first step. If you are currently facing ever-growing debt, don't wait another minute to seek relief. Bankruptcy laws were written to help hard-working people get a fresh financial start.

Taking advantage of these laws does not make you a failure, but rather it means that you are taking steps to once again become a contributing member of America's consumer culture. Talk to a Seattle bankruptcy lawyer today and find out whether you can take advantage of the opportunity these laws provide.