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Shoreline Bankruptcy Attorneys | Bankruptcy Lawyers in Shoreline, WA | Chapter 7 | Chapter 13
Shoreline bankruptcy lawyers. Stop drowning in debt. If you qualify, there is a way out. Chapter 7 and Chapter 13. Call now to see if you qualify.
Shoreline bankruptcy lawyers in King County, Washington successfully handling Chapter 7 and Chapter 13 Bankruptcy cases
Call today for a free attorney consultation to find out if you qualify and if filing for bankruptcy is your best financial options.
Over 2,000 cases successfully filed discharging millions of dollars of debts to individuals and families throughout Washington State.
Shoreline, Washington is a city in King County and borders the northern edge of city of Seattle. It is one of the largest and oldest suburbs in the Seattle metropolitan area.
Shoreline is home to over 50,000 people in the Seattle area, many of them homeowners and renters who have fallen on difficult economic times largely due to the recent economic recession or for other unforeseen economic circumstances. Many Shoreline residents have chosen to file for Chapter 7 or Chapter 13 Bankruptcy for a fresh financial start in order to discharge (wipe out) debts they can no longer afford to pay or lower their payments on bills to an affordable monthly amount.
Over the years, our law firm has helped many Shoreline residents get back on solid financial footing by representing them and guiding them step by step though the consumer bankruptcy process.
Why Consider Filing for Bankruptcy in Shoreline?
Filing for bankruptcy can have many financial advantages and actually improve credit over time. Most people who file for bankruptcy have one or more of the following financial issues:
1. Can’t Afford Their Monthly Credit Card Payments
2. Are behind on their medical bills, credit cards, payday loans, utilities bills, rent or other unsecured debts.
3. Can’t afford their car loan and may have had their car repossessed.
4. Are Being Harassed By Creditors and Want the Calls to Stop
5. Have a home schedule for Foreclosure, want to keep their home and want to stop the foreclosure sale.
6. Have Been Served with a lawsuit and are at risk of being garnished.
Bankruptcy Is Filed to Discharge All or a Substantial Amount of Unsecured Debt.
People file for consumer bankruptcy because they can no longer afford to pay all of their debts. The most common reason for people to file for bankruptcy is to discharge all a substantial portion of their unsecured debts. An unsecured debts is a debt with no collateral attached to it hence, it is a debt not secured by property. The most common unsecured debts are credit card debts, medical bills, payday loans, remaining unsecured residual debts from repossessed cars sold at auctions, debts from broken apartment leases, attorney fees owed from representation in a civil or criminal lawsuit, and unpaid utilities.
Bankruptcy Does Not Mean Failure. Bankruptcy Is A Legal Right For People Who Need Financial Help!
All over Washington State, 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.
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.
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.
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.
Need More Answers Or Want to Schedule A Free Legal Consultation?
Call today to speak to an experienced Shoreline Bankruptcy attorney about whether or not you can qualify!
Can Help Solve Your Debt Problems and Help You With a Fresh Start!