Seattle Bankruptcy Lawyers 

Seattle, WA Bankruptcy Attorney David M. Lux

Bankruptcy provides a fresh start and new beginning.

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We are a law firm emphasizing bankruptcy protection, and help with debt negotiation. Our lawyers have over 20 years combined legal experience. We have helped hundreds of individuals and families throughout Western Washington obtain debt relief and a fresh financial start.

Bankruptcy protection stops collections, garnishments, lawsuits, repossessions, foreclosures, and creditor harassment.

In most cases, filers keep all of their property, including their house, cars, furniture, and other household items.

Bankruptcy may be your best financial solution.

Whether due to job loss, illness, divorce, or wages that simply cannot keep up with the increased costs of living, filing for Chapter 7 or Chapter 13 Bankruptcy can relieve you of financial distress. Filing for relief can literally wipe out all of your debts and give you a fresh financial start.

Bankruptcy can actually improve your credit.

With careful financial planning after your bankruptcy case is completed, most of our clients' credit scores actually improve after filing because the balances of their unsecured debts have been wiped out from the creditor report. In fact, you can achieve a credit score above 700 only a few years afterwards.

Our law firm will prequalify you under the new reform laws.

Many people erroneously believe that the new laws that took effect in 2005 will automatically prevent them from filing in Washington state. In fact, the opposite is true. Over 90% of those who qualified for bankruptcy protection before the new laws took effect remain qualified for Chapter 7 or Chapter 13.

As a result, many are able to still discharge 100% of their debts. Our experienced Seattle bankruptcy lawyers will guide you through the qualification process step by step.

Take a deep breath. You’ve just found Seattle bankruptcy lawyers who make filing for bankruptcy in Washington State a seamless process!

Let’s face it: no one wants to file for bankruptcy, but unforeseen circumstances leave you no choice. Maybe you lost your job; or perhaps, you’re going through a nasty divorce, facing foreclosure, or dealing with serious medical issue.

And you feel like filing is the only viable solution at this point. No matter your reason for filing, it’s not uncommon to feel: Confused Scared Stressed Embarrassed Anxious Depressed Worried

When you’re dealing with a rage of emotions, it may be difficult to file on your own. If you are like most of our clients, the thought of filing on your own is completely overwhelming. That’s why you need one of our Seattle bankruptcy attorneys who can help you get through this difficult time.

We are here to let you know everything is going to be ok. Our Washington State bankruptcy lawyers can assist you with making rational decisions. This way you can rest assured that the process will go smoothly as possible.

Imagine how you will feel when:

• Your phone STOPS ringing off the hook from nasty and harassing creditors
• You can STOP sleepless nights of worry and frustration
• You can be completely STRESS-FREE of your financial circumstance
• You can STOP lawsuits, repossessions, and wage garnishments
• You can focus on your health, instead of avoiding the hospital because you can’t afford to pay medical bills

Allow our Seattle bankruptcy lawyers to help you file in Washington State.

We understand that every case is different. You have questions, and we have answers. The most common questions we receive are:

What’s the difference between Chapter 7 and Chapter 13? And which one should I choose?

In a nutshell, Chapter 7 (also known as straight or liquidation bankruptcy), most of your qualifying debts are discharged, and you will be able to keep a certain amount of property. This is accomplished through “exemptions”. Exempt property cannot be taken away from you during or after the process.

You have a legal right to keep certain property that you will need when you get a fresh start and begin a new financial life. Filing for Chapter 7 bankruptcy may be the best option for you if you are having a hard time paying your debts, and you know that you will not be able to commit to a repayment plan. To file a Chapter 7, however, you must pass the Means Test, which one of us here at our law offices can walk you through during your initial consultation.

Is Chapter 13 bankruptcy right for you?

The other most common type of consumer bankruptcy is Chapter 13. As far as Chapter 13 goes, it’s more like a debt repayment plan. Filing Chapter 13 bankruptcy is perfect for people who have a steady income, but have a hard time keeping up with their finances. By filing Chapter 13, you will still have to repay certain debts in your own name, the majority of which are secured debts, such as your house. However, you may be able to get your debts reduced and negotiate better terms to help you pay off your debts more quickly.

Sometimes deciding which chapter to file can be confusing and overwhelming.

It’s really hard to tell which chapter to file without speaking to an experienced Seattle bankruptcy attorney. The only way to know for sure which option to choose is to speak with a qualified member from our team who can go over your assets and income and can assist you in making the right filing option.

What’s the Means Test and how does it affect me filing for bankruptcy in Washington State?

Simply put, the Means Test was a law passed in 2005 to determine if individuals are eligible to file for Chapter 7. It was put in place to determine if individuals are really unable to repay their debts. If your income is low enough, you will be able to file for a Chapter 7 bankruptcy. However, if you have a high income, you may have to file for a Chapter 13 and pay down some of your debt. The Means Test varies from state to state and is based on your income and the median income of the state you live in.

Many Washington residents feared that under these new laws, they wouldn’t be able to file for bankruptcy in Washington State. But, that’s not true! In fact over 90% of those who qualified before the new laws took effect, remain qualified for Chapter 7 or Chapter 13.

In most cases, you will still be able to discharge most of your qualifying debts if you qualify for a Chapter 7 bankruptcy. And, in a Chapter 13 bankruptcy, you will be able to wipe out many or all of your qualifying debts, which will still enable you to get a fresh start. We will walk you through the entire qualification process, step by step. Call one of our resourceful Seattle bankruptcy lawyers today.

Will I be able to keep my car and home?

It really depends on which chapter you file. If you are worried about saving your home, a Chapter 13 may be the best bankruptcy option for you. You can discharge most of your unsecured debts and then will be able to make payments on your house and get caught up with your bills.

Of course, every case is different, but an experienced Seattle bankruptcy lawyer will walk you through the entire process and inform you whether or not saving your car or home are available options. One of our highly skilled Seattle bankruptcy attorneys will be more than happy to review your case. All you have to do is request an initial consultation, and one of our Seattle bankruptcy lawyers will see if filing for bankruptcy is the right option for you.

Is Bankruptcy my only option at this point?

No. Bankruptcy is almost never your only option. In our experience, however, if you are struggling every month just to get by while going deeper and deeper into debt, it’s often your best option. One of our Seattle bankruptcy attorneys will be happy to discuss your finances in detail and then you can make an intelligent decision about what is best for you.

The only way to find out is, to speak with an attorney. He or she will be able to guide you in the right direction. Contact one of our dedicated Seattle bankruptcy lawyers today. You need a resourceful attorney on your side!

It can be overwhelming to file for bankruptcy in Washington State, especially when there are so many myths and misconceptions.

Many people try to save money by filing on their own. If you choose this route, which is certainly your right, just be careful and PAY ATTENTION TO DETAIL. In the end, however, you may be doing more harm than good. One little mistake on your paperwork can delay or even dismiss your case. Or, the trustee or judge may ask you questions that you don’t know how to answer. That’s why it’s important to have a skilled lawyer represent your case.

The only way you can decide whether or not filing is right for you is to consult with a knowledgeable attorney. Our experienced Seattle bankruptcy attorneys will be able to review your case, and help you choose the right filing options based on your unique situation.

Our highly skilled team of lawyers are here to offer you:

• Guidance
• Support
• Comfort
• Peace of mind
• Low flat fees
• Flexible payment plans
• Over 20 years of combined experience in bankruptcy protection

Contact one of our knowledgeable Seattle bankruptcy attorneys today!

It doesn’t matter why you chose to file for bankruptcy. What matters is the support and guidance you receive from one of our experienced lawyers from our team to help get you out of your financial situation. Call one of our Washington State bankruptcy lawyers today!

Just imagine how you will feel after you file for debt relief in Washington State: Relief that the “worst is over.”

• Finally be able to get a peaceful night sleep
• A huge weight lifted off your shoulders
• A second chance at a fresh start to financial freedom
• New and improved credit scores

Get out of the red with your finances!

There are many reasons why hard working people fall behind on their bills. People lose their Seattle jobs, there is an illness in the family, and sometimes the interest on debt just gets to be too much to handle. Whatever the reason, once you’re in the red it’s hard to get back in the black. This is because debt often becomes a self-feeding cycle. Like a snowball rolling down a slope, it gets bigger and bigger until it can’t be controlled.

Fortunately, the law protects Seattle people when their financial situation spirals out of control. For some people, filing for bankruptcy offers the chance for a fresh start, and our Seattle bankruptcy lawyers can help you find out if bankruptcy is possible for you.

Bankruptcy laws were created to protect consumers. Don’t be fooled by angry creditors who will try to convince you that if you file for bankruptcy you are a failure as a person, or accuse you of being a thief. These creditors are not looking out for your best interests; in fact, they are only trying to help themselves. Our Seattle bankruptcy attorneys are interested in helping you understand your legal rights, and we successfully discharge MILLIONS of dollars in bankruptcy debt for our clients every year.

What kinds of debt can our qualified Seattle bankruptcy lawyers help discharge?

While it’s always best to talk to one of our Seattle bankruptcy attorneys to find out specifics for your particular case, there are certain kinds of debt that are more common than others. For most Seattle people, these are the very debts that got them into trouble in the first place. So, what kinds of debt can filing for bankruptcy cause to be discharged?

Credit Card Debts – Undoubtedly one of the most common kinds of debt. People very often end up making monthly payments that barely covers the interest, and can never actually pay down the balance. Our Seattle bankruptcy lawyers can discharge credit card debt in either Chapter 7 or Chapter 13 bankruptcy proceedings. In Chapter 7 bankruptcy cases there is no amount of credit card debt that can’t be discharged. Remember that it’s best if you stop using your credit card for any purchases once you retain one of our Seattle bankruptcy attorneys.

Medical Bills – Even one night’s stay in the Seattle Emergency Room can have a devastating affect on a person’s finances, even more so if their illness is protracted and they have to miss work. Several recent studies showed that over 60 percent of all consumer bankruptcy filings, medical bills were a contributing factor. Even more astounding, about 75 percent of people who included medical bills in their bankruptcy proceedings had some kind of medical insurance.

The fact is that the cost of medical care is too high for most Seattle family’s budgets. Our Seattle bankruptcy lawyers successfully discharge medical bill debt in almost 100 percent of cases. This can be a huge relief for families who have already had to deal with medical issues, only to slip heavily into debt in an effort to get themselves healthy.

Payday Loans – Payday loans are unsecured loans with outrageous interest rates and absurd fees attached to them. These kinds of loans are predatory in nature, and it is a wonder that they are even legal in Washington. Payday loans almost always make financial matters worse for the Seattle residents who use them. Once a person starts to use payday loans they often get caught in a never-ending trap where the annual interest rates can be as high as 1,000 percent.

Bankruptcy judges have little sympathy for these unscrupulous lenders, and our Seattle bankruptcy attorneys are almost always successful in getting payday loans discharged or wiped out.

Second Mortgage – Because of the declining real estate market, it’s possible that the value of your Seattle home is less than the amount of your first mortgage. If so, and you qualify Chapter 13 bankruptcy, you can discharge your second mortgage and all subsequent mortgages. If you can remain current on your first mortgage, or work out a payment plan to become current, you can also keep your Seattle home. As always, it’s a good idea to talk to our Seattle bankruptcy lawyers about other possible requirements in your case.

Our Seattle bankruptcy attorneys will get your creditors off of your back.

One of the aspects of filing for bankruptcy that makes our clients most happy is getting creditors to stop harassing them. These creditors call you at all times throughout the day, and they say they want to work with you but that only means they want your money.

When one of our Seattle bankruptcy lawyers takes your case and files your bankruptcy with the Court, an “automatic stay” is created. This is one of the cornerstones of bankruptcy law, and it essentially makes it illegal for creditors to contact you. This means no more phone calls, and no more nasty letters in your Seattle mailbox. You will be surprised about how much peace of mind you have when you can hear the phone ring and not cringe from the sound. Because this is one of the first steps our Seattle bankruptcy attorneys will take on your behalf, you will immediately begin reaping the benefits of declaring bankruptcy.

What you need to know about the new bankruptcy laws.

Many people think that the new bankruptcy laws are making it more difficult, if not impossible, to seek protection and debt relief in Seattle by declaring bankruptcy. This is patently false. Creditors would like you believe that this is true, because the last thing they want is for you to file bankruptcy. They would rather keep you in debt, so they can keep getting your money from you.

Our Seattle bankruptcy lawyers believe that the vast majority of people who would have qualified for bankruptcy under the old laws still do. How do we know? We successfully file hundreds of bankruptcy petitions throughout Seattle, Pierce County, and the Greater Puget Sound area every single year. Obviously, the best way to find out if you qualify for bankruptcy is to talk to one of our Seattle bankruptcy attorneys today.

Taking the next step with help from our Seattle bankruptcy lawyers.

If you’re sick of the harassing phone calls, sick of the collections and lawsuits, and sick of garnishments and foreclosures, then it’s time to get out of the red. The first step is yours to make, and it only requires you contact one of our Seattle bankruptcy attorneys for a free case evaluation.

Your free consultation is a risk-free way for you to make an informed decision regarding your financial future. Bankruptcy is not for everyone, but for many Seattle residents it offers a chance for a fresh start. When your bills are piling up and it seems like there’s no way out, your entire life, and that of your family, is affected. You keep getting deeper and deeper in the hole until you can’t even see the edge you fell in from.

Filing bankruptcy can bring your future back into focus, and our Seattle bankruptcy lawyers are ready to help you take all of the necessary steps toward a brighter future. Our Seattle bankruptcy attorneys will explain how much your bankruptcy will cost, and most people are surprised how affordable our services are.

Remember that falling behind in debt does not make you a bad person; it simply means that you need the protection the law provides. Contact one of our Seattle bankruptcy lawyers today so that you can get the legal help you need to get out of the red and into the black!

For more information about financial protection, contact our law office for a free consultation with one of our experienced bankruptcy lawyers.

Seattle Bankruptcy Lawyer David M. Lux 1218 3rd Ave #500J Seattle WA 98101 United States (206) 922-8501 Seattle (425) 455-4646 Eastside (253) 852-8989 South King email: seattle_debt_lawyers@yahoo.com

Attorney David M. Lux and the lawyers who work with him are part of a Seattle based debt relief agency.  They help individuals and families in throughout Western Washington resolve their debt problems through protection under the Washington State and federal bankruptcy code.