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Seattle Bankruptcy Lawyers

Toll Free Statewide: (855) 923-3283

Affordable Low Flat Fees

Flexible Payment Plans

Stop your home foreclosure!

Chapter 13 Bankruptcy

Chapter 7 Bankruptcy

The Law Offices of Jason S. Newcombe

Seattle debt relief and bankruptcy attorneys you can trust.

When many of our Seattle bankruptcy clients first contact our offices, their lives are in chaos.  Few things in life are stressful and chaotic as not being able to pay your bills.  Many of our clients are worried about being evicted, losing their home in foreclosure, having their wages garnished, having their car and other property repossessed, and having enough money each month just to meet their family's basic necessities.

If you are struggling to pay your bills every month and seem to be getting further and further behind no matter how hard you try and work with your creditors, filing a Seattle bankruptcy is probably an option you that should at least explore and strongly consider. Your bill collectors want you to believe that even considering filing a bankruptcy petition for relief means that you are somehow a failure or a bad person.

Our Seattle bankruptcy attorneys are here to help you understand that this is absolutely ridiculous. If you can qualify either Chapter 7 or Chapter 13 bankruptcy protection here in Washington State, then filing for bankruptcy is probably the best solution to all of your financial troubles. Your creditors will desperately try to convince you that bankruptcy is not an option because they know that if you can qualify, they will never get another dime from you.

The simple truth is that the Federal and Washington State bankruptcy laws are here for a number of very good reasons. The Bankruptcy Code was enacted for your protection, and the laws are here to help keep our economy moving. No one benefits when our citizens are literally paralyzed by debt. It creates a stress and strain on both the individual debtor and on the economy.  Bankruptcy offers Washingtonians a fresh financial start so that they can become productive consumers again.

Many Seattle and King County residents are still struggling.

Seattle is the largest city in Washington State and is home to over 620,000 hardworking people.  The City of Seattle Twitter page is also a great way to learn more about and keep up on current events and politics.  Seattle is the undisputed the economic center of Washington State and the entire Pacific Northwest.  The greater metropolitan area has over three million residents and many of them have experienced significant financial hardship in recent years, making it extremely difficult, if not impossible, to pay all of their creditors.

Seattle is also recognized as one of the largest gateways to Asia.  And, in terms of size, the City of Seattle operates the fourth largest North American port in terms of handling container shipments.  Seattle is located in King County, and is the seat of our county government.  Seattle is widely recognized as progressive city, which is reflected in both its population, as well as its politics.  It is also the home of the Seattle Seahawks, arguably, the most popular sports franchise in the entire Northwest.

Many of our debt relief clients are under the mistaken assumption that filing for bankruptcy will somehow destroy their financial lives forever.  As a practical matter, however, nothing could be further from the truth.  For many of our clients, bankruptcy is the path to financial freedom and a fresh start.

If you live in Seattle or elsewhere in King County, your bankruptcy petition will be filed in Federal Court in the Western District of Washington.  To learn more about your legal rights and options when filing for bankruptcy here in Western Washington, the Federal District Court has put together a specific web page designed to answer many debtor questions.  We encourage you to visit this page and learn more about how filing for bankruptcy can help.  Then, give our debt relief offices a call and speak directly to one of Seattle bankruptcy lawyers.

Stop struggling each and every month just to survive. 

Wipe out your all of your qualify debts.

Keep your property and retirement.

Bankruptcy is not a failure!  It's a new beginning!

Our bankruptcy lawyers want you to understand that there's no shame in filing for bankruptcy.  Well over 500,000 people file for bankruptcy every year in the United States.  These are people just like you, who, often through no real fault of their own suddenly find themselves in desperate cash flow crunch every month.  From death and divorce, to unexpected job loss and an unforeseen medical emergency, life has a way of throwing curve balls to us all.  Our bankruptcy attorneys want to help you get up, no matter what caused your fall.

If you are looking for a Seattle bankruptcy attorney, we invite you to call our offices for an initial consultation. We can help you to understand your legal rights and options. A Seattle bankruptcy isn't the right solution for everyone. But it can be like a miracle if you qualify. Washington's bankruptcy laws here to protect good people that suddenly find themselves suffering a financial hardship.

It can provide an incredibly opportunity for people to get a fresh financial start that begins by canceling out a person's debts so that they NEVER have to be repaid. The laws also allow most over Washington bankruptcy clients to keep most, if not all of their possessions. Indeed, the vast majority of our Seattle bankruptcy clients are able to "discharge" or wipe out all of their debts while being able to keep 100% of their assets and personal property, including 100% of their retirement and 401(K) accounts.

Hit the financial reset button.  Get the fresh start our bankruptcy laws allow!

There are very few true second chances in life. In today's tough economic times, everyone deserves a second chance. If you qualify, one of our Seattle and King County bankruptcy attorneys will be with you every step of the way.  From the initial qualification process, all the way through your final discharge, we'll be there to make sure that you are both protected and that you enjoy the maximum protection and relief afforded by our bankruptcy laws.

If you are searching for a low cost and affordable Seattle bankruptcy lawyer that serves all of King County, you have found the right law firm.  From our Seattle bankruptcy legal services offices, we handle all Chapter 7 bankruptcy and all Chapter 13 bankruptcy cases.  Stop struggling every month and hoping for miracle. Get with one of our King County debt relief lawyers and get the information you need about Washington State's bankruptcy laws so that you can truly make an informed decision about what financial path is best for you given your unique circumstances.

Get debt relief now.

What can a Seattle Bankruptcy do for you?

  • Stop all harassing phone calls immediately
  • Never pay your credit card bills again
  • Wipe out all medical debts
  • Stop all repossessions
  • Stop all garnishments
  • Stop all lawsuits

Wondering if a Washington State bankruptcy is the right choice for you and your family?  Are you looking for a bankruptcy attorney with offices conveniently located near where you live and that will fight to maximize your protection and debt relief under the Bankruptcy Code?  If so, you've come to the right place.  Our Seattle bankruptcy lawyers are experienced, aggressive, affordable.  We offer low flat fees and payment plans to fit your budget.

 If you need to qualify for a Washington State Chapter 7 or Chapter 13 bankruptcy quickly, we invite you to call our offices for a free initial consultation.  One of our debt relief lawyers will be happy to review your debts, your income, and your assets and then help you to understand your legal rights and bankruptcy options.

Our Washington State and Seattle bankruptcy lawyers are friendly, compassionate, and effective debt relief attorneys who want you to know that you have options.  If you suddenly find yourself overwhelmed by debts and are getting harassing phone calls day and night, then filing for bankruptcy may be your best option.  Your creditors desperately want you to believe that filing a Seattle bankruptcy somehow means that you are failure in life and a horrible person. Our bankruptcy attorneys are here to help you understand that is completely ridiculous.

In fact, just the opposite is true. The Federal and Washington State bankruptcy laws were specifically enacted to help good, honest, and hard-working folks who have fallen on difficult financial times, often through no fault of their own. Our Seattle bankruptcy lawyers will help you to understand the truth behind filing for bankruptcy.

Our Seattle bankruptcy lawyers offer Chapter 7 and Chapter 13 debt relief services throughout King County and Western Washington. We offer a free, no obligation case evaluation because we want you to understand your legal right and options when it comes to bankruptcy protection and debt relief.

Get help, answers, and real information from one of Seattle bankruptcy attorneys today!

In many cases, the only thing that you have to lose is your debt.

Need to qualify fast?  Our lawyers can help!

Can bankruptcy REALLY wipe out my debts and provide me with a fresh financial start?

Get your questions answered by one of our Seattle bankruptcy lawyers today!

Our debt relief lawyers serve clients throughout King County, WA.

Talk to a Washington State bankruptcy lawyer now!

Chapter 7 Bankruptcy

Because of high housing prices and job losses, many of our friends and neighbors have fallen behind in their credit card payments, medical bills, mortgage and car payments.  Filing for Chapter 7 Bankruptcy discharges all unsecured debts such as medical bills and credit cards so Seattle residents can afford to keep their homes and cars.

Chapter 7 Bankruptcy can also discharge income tax debt for Seattle residents if the tax debt is over 3 years old, the tax returns were filed at least 2 years ago, and a few other criteria are met.  Chapter 7 Bankruptcy also discharges payday loans, debt from car repossessions, old debts from previous landlords, old utility bills, and other unsecured personal loans.

Our page on Chapter 7 Bankruptcy provides a lot of useful information about how it can help you and your family stop the monthly cycle of trying just to scrape by every month.  The page also provides some extremely helpful links to the United State Bankruptcy Court website, which we also encourage you to visit if you are seeking even more detailed information about the power of a Chapter 7 to give you and your family the fresh financial start you deserve.

Washington Chapter 7 Bankruptcy Information and Advice

King County County and Seattle Chapter 7 Bankruptcy Lawyers

You can break the cycle of endless debt! Stop all harassing calls!

Tired of struggling every month only to go deeper in debt?

Talk to a Seattle Chapter 7 Bankruptcy Lawyer Today!

You are NOT trapped! GET RELIEF NOW!

Struggling to get by every month.

Drowning in debts? 

Get help now!

The Federal and Washington State Chapter 7 bankruptcy laws are here to protect you!

Talk to Seattle Chapter 7 bankruptcy attorney today!

If you are struggling every month just to keep a roof over your head, gas in your car, and food on your table, relief is available. You are not trapped. The Federal and Washington Chapter 7 bankruptcy laws were enacted to protect honest and hard-working people who have fallen on hard times. Our Seattle Chapter 7 bankruptcy attorneys are experienced and aggressive debt relief lawyers who can help you live debt free.

We are Seattle Chapter 7 bankruptcy attorneys and debt relief lawyers. From our Seattle debt relief legal services' offices, we help clients throughout King County file for bankruptcy protection and get the debt relief they deserve. Our Chapter 7 bankruptcy lawyers serve clients throughout Western Washington. Stop struggling just to get by every month.

The credit card companies and bill collectors that do their dirty work would have you believe that even thinking about filing a Seattle Chapter 7 bankruptcy somehow means that you are nothing but a complete loser and a total failure in life. Our Chapter 7 bankruptcy attorneys are here to help you understand that this is utter nonsense.

Our Chapter 7 attorneys want you to know that help and relief is available.  And, we urge you to stop falling victim to their scare tactics and other collection tricks. They don't care about you or your family. They only care about one thing: Getting your money. And, they don't care if this means that you cannot pay your rent or put food on your table. These debt collectors how harass you and your family day and night don't care about whether your kids needs new shoes or school supplies. And, they will use every dirty trick in the book to try and convince you to give them whatever you have in your bank account that day.

They will and literally do try everything they can to keep you from you calling our Seattle bankruptcy offices and inquiring about your Washington State Chapter 7 bankruptcy legal rights. The reason that they fight so hard to even get you from thinking about this option is because they know that if you qualify for a Chapter 7 bankruptcy they will be completely precluded from ever harassing you and your family again. And, they will never get a cent of your hard earned money every again! They know that if you pick up the phone and talk to one of knowledgeable Seattle Chapter 7 bankruptcy lawyers, you will learn the truth about your legal rights and options.

For the overwhelming majority of potential clients that contact our offices and inquire about whether or not they can qualify to file a Seattle Chapter 7 bankruptcy, the answer is a resounding YES!  If we can prequalify them and they retain our offices, we advise them to IMMEDIATELY STOP PAYING all of the credit card debts, medical bills, and other qualifying unsecured debts.

We also provide them with our creditor hot line number and advise them to simply give it to every creditor that call them. This typically stops all creditor harassment within a few days.

Get with on of our Chapter 7 Bankruptcy Lawyers today!

Get the facts!  Get out of debt!

When Chapter 7 bankruptcy clients first call our debt relief offices, they often want to know how this kind of bankruptcy can help them personally.  In our opinion, the Federal and Washington State Chapter 7 bankruptcy laws are among the most powerful financial laws ever enacted.

Here are just a few of the ways that pursuing a Seattle Chapter 7 bankruptcy can help.

You can be debt free in as little as 100 days!

Stop all harassing phone calls today!

Stop all repossession actions!

Stop your home foreclosure!

Stop all garnishments!

Stop all lawsuits!

Get relief now!

Talk to a Washington State Chapter 7 Bankruptcy Lawyer Today!

Serving all of King County and Western Washington.

How can a Seattle Chapter 7 bankruptcy help?

  • Chapter 7 bankruptcy stops all harassing phone calls.
  • Chapter 7 bankruptcy stops all garnishments, liens, and judgments.
  • Chapter 7 bankruptcy stops your home's foreclosure.
  • Chapter 7 bankruptcy wipes out all qualifying debts.
  • Chapter 7 bankruptcy allows you to keep your property.

Chapter 13 Bankruptcy Attorneys

Talk to a Seattle Chapter 13 bankruptcy lawyer today!

Stop all garnishments and lawsuits!

Save your home from foreclosure!

Chapter 13 bankruptcies are often significantly more complex than filing for a Chapter 7.  The simplest way to think of a Chapter 13 bankruptcy is to view it as a reorganization of your debt.  Unlike a Chapter 7, which simply eliminates or "wipes out" your unsecured debt and no has monthly payments, a Chapter 13 bankruptcy is an entirely different tool to deal with creditors.

A Chapter 13 prioritizes your debt and directly considers your monthly income.   It then allows you to pay creditors on terms that are significantly more favorable to you.  In order find out if a Chapter 13 bankruptcy is right for you situation, we encourage you to give us a call and talk with one of our Seattle Chapter 13 bankruptcy attorneys.

The Chapter 13 Bankruptcy laws allow you to repay your mortgage arrears, stop foreclosure sales, pay off tax debt without any additional interest, and strip/discharge your second mortgage.  A Seattle Chapter 13 bankruptcy also allows higher income debtors to repay their debts at a lower monthly payment and/or pay off their debt balances at an amount they can reasonably afford.  In certain Chapter 13 cases, tax issues can be complicated. To learn more about the basics of Chapter 13 bankruptcy and taxes, we encourage you to visit the IRS page addressing these issues.

Our experienced Seattle bankruptcy lawyers will review your entire financial situation and help you determine if filing for Chapter 13 Bankruptcy is your best financial option. If you are currently facing a King County or Seattle foreclosure action, or you have above average income but are still struggling just to get by every month, a Seattle Chapter 13 bankruptcy may be able to put you back on stable financial ground.

Washington State and Seattle Chapter 13 bankruptcy attorneys and debt relief lawyers serving all of King County.  Get with one of our experienced, affordable, and low flat fee Seattle Chapter 13 bankruptcy attorneys today to learn how we can protect you and your family by putting you into a debt relief payment plan that you can actually afford.

Need to stop your Washington State home foreclosure auction now!

Need to talk to a Seattle home repossession lawyer?

Falling behind on your Seattle mortgage?

Chapter 13 bankruptcy can help!

If you are behind in your Seattle or King County mortgage and have been notified that your home is in danger of foreclosure, we invite you to call our bankruptcy law offices for a free initial consultation. The repossession and sale of your house is not a foregone conclusion.  This is one of the ways that a Seattle Chapter 13 bankruptcy can really help people who are struggling every month just to keep their mortgage paid.

When it comes to your house and home ownership, you have incredibly important legal rights and options under the Federal and Washington State bankruptcy laws. For many of our Seattle home foreclosure clients, Chapter 13 is their best chance at both saving their home and getting a fresh financial start.

One of our Seattle Chapter 13 bankruptcy and home foreclosure attorneys can explain your legal rights when it comes to losing your home at a trustee auction sale.  Bankruptcy stops a home foreclosure sale dead in its tracks.  And, when we say "dead in its tracks", we mean immediately.  Indeed, this is one of the most powerful aspects of the Bankruptcy Code.  If you can qualify, we can stop your foreclosure auction is less than 24 or 48 hours.

You can also learn more about the basic Chapter 13 laws and local rules here in Washington State by visiting this site.

Protection from Creditors

Filing for Bankruptcy in Seattle imposes an “automatic stay” against your creditors.  This is essentially a shield between you and your creditors which prohibits creditors from directly contacting the debtor/bankruptcy filers from all points in the future.  Pursuant to the automatic stay, creditors are most stop all collection, legal and garnishments actions against the Seattle residents who file for Chapter 7 or Chapter 13 bankruptcy.

Bankruptcy Court in Seattle

All Seattle and other King County, Washington residents must attend a brief hearing in Seattle and the U.S. Federal District Courthouse.  The hearing is referred to as the 341 Meeting of the Creditors and is likely to be the only hearing a Seattle bankruptcy filer will need to attend.

Your attorney will appear with you at this meeting in front of your assigned bankruptcy trustee who will ask you some basic questions about the accuracy of the property, income, expenses, creditors and any recent financial transaction you disclosed in your bankruptcy petition.

The hearing is usually between 2-5 minutes long.  Most Seattle Bankruptcy filers receive a discharge (which permanently wipes out their qualifying unsecured debt) and their case is closed within 90 days following their 341 Meeting.

Get your Washington State bankruptcy questions answered today!

Talk to a Seattle debt relief lawyer now!

(855) 923-3283

How can filing for bankruptcy in Seattle help me stop currently pending repossession actions and already filed lawsuits?

If you qualify, filing for bankruptcy in Washington State will immediately stop all lawsuits, judgments, and repossession actions against cars or vehicles, as well as other personal property.

Stop living in fear. Get help, answers, and real information about what happens to your car and other property when you file for bankruptcy here in Washington State.

Stop All Repossessions Now!

The first thing that our Seattle bankruptcy lawyers want you to know and understand is that filing for bankruptcy stops all debt collection, including repossessions, as soon as your petition is filed. If you default on a car payment, however, the finance company can take the car back without court order. But, in our experience, they usually wait until you are at least two payments behind before they repossess a car. 

Once the car is repossessed, you only have a short period of time to get the car back before it’s sold at auction. The finance company will usually require that you come up with the entire default, plus storage costs and repossession fees, before releasing the car. If you are caught in this unfortunate situation, one of our Seattle bankruptcy attorneys can advocate and negotiate on your behalf. In many cases, however, it's best to just let the car go at this point.

A Chapter 13 bankruptcy might allow you to get a car back after it’s been repossessed. However, once the car is sold at auction, there is no way of recovering it. And, if you file a Chapter 13 after the car is repossessed, you will most likely have to come up with the repo fees and the storage costs to get the car back.

It is a better idea to file the bankruptcy before the car is repossessed. Either a Chapter 7 or a Chapter 13 will stop the repossession. However, the finance company may be able to repossess the car in as little as a month after a Chapter 7 is filed. A Chapter 13 repayment plan will allow you to repay the car loan over three to five years and may offer ways of lowering the overall amount you pay on the loan.

If you have questions about a lawsuit, a judgment, or a vehicle repossession, we strongly encourage you to call our debt relief offices as soon as possible. One of our Seattle bankruptcy attorneys can help you immediately work through your available options so that you can make a truly informed decision, ideally before your car is repossessed or your wages are garnished.

What about my personal property?  

How can filing for bankruptcy in Seattle help me keep my stuff?

If you are making installment payments on some other kind of personal property, such as an appliance, furniture or electronics, the creditor will have to obtain a court order to repossess it. They can’t simply come into your house to take it. 

Even with a court order, they have to have the sheriff come in your house to get it. The whole process for hiring the sheriff to repossess personal property is so expensive, it is rarely done. In most cases, the creditor would rather sue you for the money rather than get a court order for a return of the property. The bankruptcy attorneys working out of our Seattle offices are very experienced when it comes to all types of personal property and filing for bankruptcy protection.

If you have questions about what property might be subject to repossession or a lawsuit if you decide to file, we strongly advise you to take advantage of our free initial consultation. One of our Seattle bankruptcy lawyers will be happy to review the specific issues involved in your case and answer all of your questions regarding possible repossession.

Seattle Offices:

10700 Meridian Ave N, Suite #109
Seattle, WA 98133

Bankruptcy Does Not Mean Failure. 

Bankruptcy Is A Legal Right For People Who Need Financial Help! 

All over King County and throughout the Seattle Metropolitan Area, there are people of all different socioeconomic backgrounds who have filed and will continue to file for bankruptcy when they have financial hardships they leave them no ability to continue to pay some or all of their debts. There are many reasons people who never imagined they would ever file for bankruptcy may need to do so:

1. People with Family Illness, Injury, or Job Loss. When a person or his her spouse has lost a job due to illness or injury, or just due to business downsizing, many are unable to continue to pay their rent or mortgage, car loans, all of their credit card bills and unexpected medical bills. That is just the financial reality. Filing for bankruptcy helps people get rid of unaffordable debt so can keep their car, home, dignity and continue to support themselves and their family.  If you or your family is struggling with job loss or unemployment, you are not alone.  Our Seattle bankruptcy attorneys file cases for our King County friends and neighbors all the time as a result of sudden job loss or a medical emergency that simply makes working impossible.

2. Substance Abuse and Legal Problems. Alcoholism and drug abuse are diseases. If a family member has squandered their savings, forcing the family to use credit cards to put food on the table, filing for bankruptcy can eliminate unexpected debt and spouse or parent never imagined they would ever have had. Further, if substance abuse resulting in a family member receiving a DUI or other criminal matter, the court fines in those cases may cause you to no longer to be able to pay your credit cards and other debts. Also, a domestic violence charge against a spouse may force a family to have, at least temporarily, separate and thus higher living accommodations where they suddenly can no longer afford to pay all of their bills and thus need to file for bankruptcy. 

Dealing with drug and alcohol problems, or legal problems, along with facing financial chaos can be a real double whammy.  Our Seattle bankruptcy lawyers are here to help.  Often, in our experience, financial difficulties lead to only more abuse.  Our debt relief attorneys can help you and your family get back on your financial feet.  This often reduces stress and anxiety greatly, which in turn can also assist in dealing with substance abuse or legal problems.

3. Gambling Problems. Just like substance abuse issues, gambling is a serious disease. If you or a family member have racked up credit card debt due to a gambling problem, filing for bankruptcy can eliminate all or at least a significant part of that debt so you can breathe again financially and get the treatment you need to quit gambling.  Bankruptcy cases involving gambling can be problematic, especially if the loses are significant and recent.  Our bankruptcy attorneys can help you to understand your legal rights though.

4. Unforeseen House and Car Repairs. If you can recent and expensive unforeseen house or car repairs that you may not have properly budgeted for, making these necessary repairs may have caused you to fall behind on your credit cards, medical bills or car loans. Filing for bankruptcy can get rid of those debts that you can no longer reasonable afford due to your unfortunate and unexpected situation.  

5. When Student Loan Deferments End. In most cases, student loans cannot be discharged by filing for bankruptcy. However, in these difficult economic times where a college degree doesn’t necessary guarantee a high enough paying job to repay their student loans and live the decent lifestyle they expected, many people find themselves unable to afford to continue to pay many of their bills once they are finished with college and their student loan payments ate no longer deferred. 

Once their student loan payments kick in, may people are no longer able to pay their prexisting credit cards payments, car loans, and mortgage payments and/or medical bills. Filing for Chapter 7 Bankruptcy can completely eliminate or greatly reduce one’s unsecured debts and payments so they can afford their student payment and continue to maintain their mortgage, car loans and other most necessary bills and expenses.

There is a lot of confusion and bad information out there regarding bankruptcy and student loans.  Let our Seattle bankruptcy lawyers help you to understand the truth.  While your student loans will be incredibly difficult, if not impossible, to discharge, filing for bankruptcy can often help in many other ways when it comes to being able to pay back your student loans each month.  The most important thing that bankruptcy can often do is free up your monthly cash flow.

Need More Answers Or Want to Schedule A Free Legal Consultation?

Call today to speak to an experienced Seattle Bankruptcy attorney about whether or not you can qualify!

Can Help Solve Your Debt Problems and Help You With a Fresh Start!