Bankruptcy Relief

Attorney Representation – Chapter 7 & Chapter 13

Chapter 7

Chapter 7 bankruptcy offers a “fresh start” by allowing our clients to wash away all, or most, of their consumer debts. For most of our clients, Chapter 7 means complete debt freedom, allowing them to completely eliminate credit card and medical debt, bad auto loans, lawsuits and garnishments, and even some tax debts.  While Chapter 7 washes away more types of debts, it also allows the vast majority of our clients to keep all of their possessions – cars, household goods like their TVs, furniture and stereo equipment, family heirlooms, jewelry, and even cash in their bank accounts.

Let Washington Debt Free help you understand Chapter 7 today.

Chapter 13

Chapter 13 bankruptcy offers distinct benefits for the right candidate. Chapter 13 discharges more categories of debts than Chapter 7. It provides immediate bankruptcy protections while the filer proposes a repayment plan lasting 3 to 5 years. Sometimes monthly payments are as low as $100/mo – sometimes they can be much higher depending on the income and assets of the filer. The main benefit under a chapter 13 bankruptcy is for homeowners who are facing foreclosure of their homes. Washington Debt Free can help you understand if Chapter 13 is right for you.