Chapter 7 bankruptcy: Wipe out your debts.
Chapter 13 bankruptcy: Save your home.
At the Law Offices of Jason S. Newcombe, we help good people who have fallen on hard times. We can help you file for and successfully complete the bankruptcy process.
Are you struggling to make ends meet each month? Are you tired of creditors calling you throughout the day? Stop throwing every hard earned dollar to a never ending cycle of debt!
If you feel that you are at the end of your rope and ready to breathe again, our Seattle, WA bankruptcy lawyers are here to help you understand your legal rights and options. Let us pre-qualify you for Chapter 7 or Chapter 13 bankruptcy protection and relief today!
Types of bankruptcy:
In today’s struggling economy, more and more hardworking people are experiencing hardships. In these difficult times, they find themselves with more debt than they are able to handle. Sooner or later, this debt becomes overwhelming and burdensome.
Debt can come in all shapes and sizes, including debt from accidents, sickness, layoffs, or even just an accumulation over time. For many, they find themselves in a situation that they were unprepared for and don’t know how to find relief.
If this sounds like you, or you are experiencing some of these burdens, thankfully, you have the option of bankruptcy.
Don’t let the word bankruptcy intimidate you.
Bankruptcy is a viable option that can free you from your crushing debt and allow you to start over.
As many Seattle, Washington bankruptcy attorneys will tell you, there are several forms of bankruptcy. During your first appointment, you will determine which one is the best one for your situation.
- Chapter 7 Bankruptcy: The first form, and most common one, is Chapter 7. If you find yourself in the situation where you are close to foreclosure on your home, Chapter 7 might be a good option for you. This form of bankruptcy enables you to discharge your consumer and unsecured debt. A Washington State bankruptcy lawyer can help you determine if this is the best option for you.
- Chapter 13 Bankruptcy: Sometimes people find that they make too much money to qualify for Chapter 7, so Chapter 13 becomes a better suited bankruptcy option. This form also enables you to try and keep your home and maybe even other assets that you have. If you want to learn more about Chapter 13, our knowledgeable Washington State bankruptcy lawyers can help.
Myths about bankruptcy:
Whether you are considering bankruptcy or have explored other options in the past, you most likely have heard unsolicited advice from inexperienced people. Within the past several years there have been changes to the bankruptcy laws that may be preventing you from moving forward or talking with a Washington State bankruptcy attorney.
Does this sound like you?
Yes, laws have changed. However, this doesn’t mean that you cannot file for bankruptcy. Without discussing your situation with a Washington State bankruptcy lawyer, you will never know the answers to your questions, until it is too late. Take control of your situation now, instead of listening to myths such as:
- There is no way you will be able to get credit after bankruptcy for 10 years
- You probably don’t have enough debt to file
- If you qualify for Chapter 13, you will need to repay all of your debts
- You have a job, so you can’t file for bankruptcy
- You and your spouse both need to apply
- You will have no possessions left after bankruptcy proceedings are completed
Have you heard any of these myths? Are they preventing you from finding out the answers you deserve?
Contact our Seattle, WA bankruptcy lawyers today, to give yourself peace of mind while getting the real answers about your situation.
When you sit down to have a consultation with your Washington State bankruptcy attorney, together you may decide that an alternative to bankruptcy might be more appropriate for your situation. Before you make a decision, it is important that you understand all of your options and make an educated choice.
The most important thing to understand and know is that there are solutions that can provide you with relief. However, until you talk with Washington State bankruptcy lawyers, you will continue to struggle.
How to file for bankruptcy:
Of course your first step in filing for bankruptcy is to talk with a bankruptcy attorney. Together, you can come up with your best plan of action.
To help give you a better idea of what to expect, here is a general layout:
After you hire a Washington bankruptcy attorney from our team, we will help you file papers through the court. On these forms will include a variety of questions regarding your financial status. Be prepared to answer questions regarding your expenses and income, possessions, properties, and all of your creditors addresses and names.
When your forms are completed and signed, we will file them to the courts. Along with these forms, we will also assist you with filing hardship evidence. After the courts receive all of this information, an order will be issued to stop the harassing calls by creditors.
Your next step is to attend a bankruptcy meeting, where your bankruptcy lawyers will assist you. During this meeting you and the court will discuss your case. When the meeting is completed, a decision will be made on how your debts will be discharged.
Depending on the type of bankruptcy you are filing for, will determine the exact course of action. However, the courts and your Washington State bankruptcy attorney from our team will determine a payment plan option for you, if needed.
Bankruptcy will remain on your history and credit report for up to ten years. However, your life will continue as normal. You can work, go to school, save for retirement, and continue to live, without the anxiety or pressure of uncontrolled debt.
How a Seattle, WA bankruptcy lawyer can help:
The thought of bankruptcy can be intimidating or confusing.
You may be feeling:
We are here to help–without judgment. Often people, who are experiencing financial hardships, keep it a secret. You may be worried about what others think of you or how you will ever get over the devastation.
We offer a safe environment for you to talk about your situation and get the help you need to start fresh. We understand how difficult it feels to be burdened by debt.
We are here to offer you:
- Flexible payment options
- Experience you can count on
- Low flat fees
Our team of bankruptcy lawyers has a combined experience of more than 20 years. We have provided assistance to hundreds of families just like you in Seattle, Everett, Tacoma, Bellevue, and Olympia, and throughout the state of Washington.
Our goal is to enable you to experience a fresh start with peace of mind!
Moving beyond bankruptcy:
When you are in the middle of a financial burden, it is hard to imagine what it would feel like if it all went away.
However, take the time to do that now–imagine what you would feel if:
- You didn’t have to worry every time the phone rang
- You could get a good night’s sleep
- You could breathe easily and feel stress free
- You could open your mail and not worry about the bills piling up
- You could stop living a lie
Taking the time to talk with a bankruptcy lawyer can help you experience the relief you crave.
Filing for bankruptcy with an experienced attorney will open a door of possibilities for you. Imagine experiencing a life without the worry of consequences from not making a payment on an overdue bill. You can also take away the worry of the potential shut off of your utilities.
It is no secret that the bankruptcy laws are difficult to understand. Without the trusted support and help of a Washington State bankruptcy attorney, you can experience incorrect filing or negotiations failing.
Learn how you can find support and expertise from our experienced and trusted Washington bankruptcy attorneys. To make it even easier on you, we offer a free consultation, where you can sit down with a bankruptcy lawyer to review your situation and discuss your options for moving forward.
Ready to begin?
For more information or to set up your free evaluation, contact our Seattle, WA bankruptcy lawyers today–give yourself the gift of peace of mind!
To learn more about bankruptcy, visit one of the pages below: