Whatcom, Skagit, and San Juan County
Whatever the cause of your financial hardship, we will listen to you, evaluate your situation, and offer the best course for relief. We consult with people like you every day about debt problems. If you would like to learn more about your options for debt relief, including bankruptcy, contact us or complete our 5-Minute No-Cost Confidential Review. You do not need to bring any documentation to your initial assessment. We can meet in person or by telephone. Our fees are affordable and we offer easy payment plans.
If you decide to file bankruptcy, we will oversee the entire process:
- gather necessary information and documents from you to prepare your bankruptcy petition
- prepare and file bankruptcy petition after carefully reviewing it with you
- coordinate credit counseling
- communicate with bankruptcy trustee and creditors on your behalf
- appear at meeting of creditors with you
- make sure you get the relief you deserve
Bankruptcy stops wage and bank garnishments, foreclosure, phone calls, law suits.
As soon as a bankruptcy is filed, the “automatic stay” goes into effect. The stay protects you from:
- wage garnishments
- bank garnishments
- phone calls and letters
- law suits
Chapter 7 or Chapter 13 bankruptcy – Which is right for you?
The choice between Chapter 7 and Chapter 13 bankruptcy can usually be made after our initial consultation. Chapter 7 bankruptcy is the simplest and fastest way to file bankruptcy. We will help you protect your assets, including your home, in a Chapter 7 bankruptcy.
Chapter 13 bankruptcy is a repayment plan, where you will pay back some, but probably not all, of your debts. It is often used by those whose incomes are too high to qualify for a Chapter 7 bankruptcy, or those who wish to catch up on their mortgage payments. It can also be used to structure tax debts, or to obtain a driver’s license that has been suspended because of a debt. It can even be used in some cases if you have previously filed a Chapter 7 bankruptcy and do not qualify to file Chapter 7 again.
In both Chapter 7 and Chapter 13 cases, most debt is dischargeable, but there are some important exceptions that we can advise you about, such as student loans and taxes. In some cases, both student loans and taxes can be discharged. To learn more about your specific case, contact us to arrange a free consultation in person or by phone.
We get results for our bankruptcy clients.
Our clients report a great feeling of relief after filing bankruptcy. Whether your debt problems are the result of an unexpected medical crisis, divorce, job loss, or other unanticipated hardship, we can help set things straight.
We understand the stress on families facing unmanageable debt. Information can help to alleviate that stress immediately. If you have questions about your options, contact us. Easier still, take our 5-Minute Confidential Review to get quick feedback on your options for debt relief.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.