Olympia
Photo of Attorney Erin Lane
Attorney Erin Lane Partner
Wipe Out Your Debts. Keep Your Property.

Do I Qualify for Bankruptcy in Olympia?

Can I file for bankruptcy?

For anyone living in Olympia who is having trouble with unmanageable debt, bankruptcy offers a way to get a fresh financial start. In Washington State, you must qualify for bankruptcy in order to file, which requires that you live in the federal district from which you file for at least 90 days. If you live in Olympia, your bankruptcy case is under the jurisdiction of the United State District Court for the Western District of Washington.

Your ability to file for bankruptcy depends on a few factors, including the amount of money you earn and the amount of debt you currently owe. Your Thurston County bankruptcy attorney will help you figure out whether petitioning the court for bankruptcy makes sense given your current financial status. If so, they will then help you determine if filing Chapter7 or Chapter 13 bankruptcy makes the most sense. Keep in mind that you can't file Chapter 7 if you've already filed within the previous eight years.

If you would like to find out if your qualify, contact our law office in Olympia and talk to one of our experienced attorneys without cost or obligation.

Our Olympia bankruptcy attorneys will help you determine whether you can file
  • Before filing for bankruptcy in Thurston County, you will need to take a credit counseling course
  • If you're earnings are close to the median Washington State household income, you may need to take a means test to determine whether you qualify
  • With Chapter 13 bankruptcy, you must earn enough money to maintain your monthly payments after debt consolidated
  • Bankruptcy hearings are held in federal court, so let our experienced Olympia debt relief lawyers help you take the next step

If your debt is spiraling out of control and you're wondering how you'll ever catch up on bills, bankruptcy may be the answer to your problems. Petitioning the federal court for bankruptcy immediately stops all debt collection and ends the non-stop harassing phone calls from creditors. Bankruptcy even stops wage garnishment, car repossession, and home foreclosure.

Our attorneys in Olympia help numerous people living in the Washington State file for bankruptcy every year. We can usually determine whether a person qualifies after getting some basic information about their finances. If you want to stop the endless cycle of debt, contact our office and find out whether you qualify for bankruptcy.

Our Thurston County bankruptcy lawyers can help you take the first step

You will first need to complete a credit counseling class, which will help you determine whether bankruptcy is your best choice and educate you about how the process works. If you choose pursue filing, your Olympia lawyer will petition the bankruptcy court on your behalf.

If your earnings are below the median Washington household income for a family of your size, Chapter 7 bankruptcy may be your best option. Chapter 7 bankruptcy allows for the discharge of most or all of your unsecured debt, including credit card obligations, pay day loans, and medical bills.

If you earn above the median income, Chapter 13 bankruptcy will allow you to get your debt under control and put a stop to home foreclosure. To qualify for Chapter 13 bankruptcy in Olympia, you must be able to maintain monthly payments of consolidated debt for three to five years. Some or all of your unsecured debt may be discharged after you've met your monthly payment obligations.

Hit the financial reset button with help from our Olympia bankruptcy lawyers

Filing for bankruptcy in Washington is a straightforward process, and your lawyer can go over the details whenever you're ready. If unmanageable debt is making you feel like you've hit a brick wall financially, seek lasting relief with help from one of our experienced Thurston County bankruptcy attorneys.

Filing for bankruptcy is a way to take control of your finances and get a fresh start for you and your family. Contact an Olympia bankruptcy lawyer for a free consultation today to find out whether you qualify to file.