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Renton Bankruptcy Lawyer

Need to qualify for Washington State bankruptcy protection? Our Renton bankruptcy attorneys can help. (855) 923-3283. Free case evaluation.

Considering Bankruptcy in Renton, Washington?
Need Debt Relief?
Tired of Calls from Bill Collectors?
Is Your Home at Risk of Foreclosure?

Call (855) 923-3283 Statewide for a Free Attorney Consultation.

Experienced Chapter 7 and Chapter 13 Bankruptcy Lawyers.

Bankruptcy in Renton, Washington.

Renton is one of the largest in one of the largest cities in King County, Washington. It has the largest retail market in South King County and is home of the South Center Mall. With a population of over 90,000, many Renton residents have recently fallen on hard economic times due to the local declining economy, especially due to recent layoffs from Boeing. When Boeing lays off employees, all of the Renton community is economically affected.

As a result, many Renton residents have chosen to file for Chapter 7 or Chapter 13 Bankruptcy to get financial relief and a fresh start to best continue to support themselves and their families.

Chapter 7 Bankruptcy in Renton

Chapter 7 Bankruptcy is the most type of consumer bankruptcy filed nationwide and in Renton. Chapter 7 Bankruptcy typically discharges all qualifying unsecured debts so individuals and families can focus on paying their necessary living expenses and get ride of debts such as credit cards, medical bills, car repossession debt, broken apartment leases, many unemployment overpayments, mortgage foreclosure debt, garnishments and payday loans.

Chapter 7 Bankruptcy in Washington State also allows homeowners to keep their residence so long as they have no more than $125,000 of equity and can remain current on their mortgage. Because a mortgage is a secured debt, it cannot be discharged in Chapter 7 Bankruptcy if the debtor wants to keep the home.

Student loans, both government and private, are typically not discharged in Chapter 7 Bankruptcy unless the bankruptcy filier can prove “undue hardship” which is very difficult for the vast majority if people to prove. Our experienced Renton Bankruptcy lawyers can discuss the parameters of “undue hardship” if you are considering trying to discharge student loan debt.

Recent income tax debt also cannot be discharged in Chapter 7 bankruptcy. However, if your tax debt is over 3 years old, you may be able to wipe out this debt in bankruptcy. Again, our experienced Renton Chapter 7 Bankruptcy lawyers can provide you with a free consultation to advise you of whether your tax debt may be discharged.

Filing for Chapter 7 Bankruptcy in Renton will also stop foreclosure sale on your own, at least temporarily, while you can try to then catch up with your mortgage arrears (the amount you are behind) or further attempt to modify your mortgage.

Chapter 13 Bankruptcy in Renton

Chapter 13 Bankruptcy is another type of bankruptcy many Renton residents utilize to discharge a significant portion of their debts, eliminate high interest on their debts, and/or force creditors to accept payments on their debts they can reasonably afford. Filing a Chapter 13 Bankruptcy involves proposing a Chapter 13 Payment Plan that will usually only repay a portion of your debts over a 36 to 60 month period.

Chapter 13 Bankruptcy can also be used to stop a Renton foreclosure sale and force the mortgage company to accept payments on the mortgage arrears that are affordable to the Renton homeowner that the mortgage lender was previously unwilling to accept.

And in cases where is in no current equity to pay any of a second mortgage on the home, a Chapter 13 bankruptcy can strip and discharge that second mortgage where the owner only has to pay the first mortgage at the end of the Renton homeowners successful completion of the Chapter 13 Plan.

Interested in Learning More of Home a Renton Bankruptcy Change Save You Financially and Change Your Life?

Call (855) 923-3283 and Speak with One of our Experienced Renton, Washington Bankruptcy Attorneys for Free Case Evaluation.

Debt Relief May Just Be One Phone Call Away!

Client Reviews
Erin Lane is the best attorney I have met by far! I came to her during a very difficult time in my life. I was needing to file a bankruptcy. She was very kind, non-intimidating, and well-understood. She actually came across like a good friend. To this day I still remember and appreciate her (no-stressing approach) I deem Erin qualified for any position having to do with her knowledge in these types of legal matters! Keith D Wilson