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Text Content

 * HOME
 * QUALIFY
 * CHAPTER 7
 * CHAPTER 13
 * GET HELP
   * STOP Car Repossession
   * STOP Foreclosure
   * STOP Garnishments
   * Affordable Low Flat Fees
   * Legal Services
   * Bankruptcy Facts
   * The Automatic Stay
   * Keep Your Vehicle
   * Bankruptcy & Possessions
   * Credit Cards
   * Medical Bills
   * Pay Day Loans
 * CONTACT US
 * (253) 444-5869

Select Page
 * HOME
 * QUALIFY
 * CHAPTER 7
 * CHAPTER 13
 * GET HELP
   * STOP Car Repossession
   * STOP Foreclosure
   * STOP Garnishments
   * Affordable Low Flat Fees
   * Legal Services
   * Bankruptcy Facts
   * The Automatic Stay
   * Keep Your Vehicle
   * Bankruptcy & Possessions
   * Credit Cards
   * Medical Bills
   * Pay Day Loans
 * CONTACT US
 * (253) 444-5869



(253) 444-5869

Call for your FREE consultation: (253) 444-5869


TACOMA BANKRUPTCY ATTORNEYS


TACOMA BANKRUPTCY LAWYER, ERIN M. LANE


We can help.



Inquire about our flat low fees and flexible payment plans.

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TACOMA BANKRUPTCY ATTORNEYS

Tacoma bankruptcy lawyer,
Erin M. Lane




TACOMA BANKRUPTCY ATTORNEYS


TACOMA BANKRUPTCY LAWYER, ERIN M. LANE

Protect your house and keep your assets. Contact us for a FREE consultation!

Do you desire a fresh financial start, or need to stop foreclosure immediately?
Our legal team handles all Tacoma Chapter 7 and Chapter 13 bankruptcy cases
throughout Washington State. We can help you eliminate your debt and guide you
back onto the road to financial freedom. With a FREE no-obligation consultation,
it is a great way for you to get help and answers fast. Contact us today via our
email form, or simply call our law offices and see if you qualify for bankruptcy
debt relief today.

(253) 444-5869

Questions about bankruptcy? Email us.

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Chapter 7 Bankruptcy

Chapter 13 Bankruptcy

Qualifying for Bankruptcy

Stop Home Foreclosure

Stop Garnishments

Wipe Out Medical Bills

Wipe Out Credit Your Card Debt

Affordable Low Flat Fees


BANKRUPTCY LAWYERS SERVING TACOMA, WA.

Filing for bankruptcy in Washington State may be the debt relief solution you
need. Bankruptcy can be a fairly easy and reliable way of putting your life back
in order once you have gotten in over your head in debt. If this sounds like
you, the Tacoma bankruptcy attorneys from our firm are here help.

AN EXPERIENCED WASHINGTON STATE BANKRUPTCY ATTORNEY CAN HELP.

Carrying an impossible debt load can make planning a future impossible. It can
sap your motivation to work and plan for making purchases. It could happen to
anybody. If everyone in who is drowning in debt were not allowed some kind of
relief, the economy would suffer as a whole. Businesses are allowed to file
bankruptcy so they can continue to pay their employees, create wealth, invest
and make purchase. Consumers and workers are also allowed to start over with a
bankruptcy in Tacoma, WA so they continue to participate in the formal economy
with stability and dignity. The bankruptcy lawyers serving Tacoma, WA from our
firm are here to aid you in getting back on your feet – contact us today.

Stop debt collectors with bankruptcy in Tacoma, WA.

The first way bankruptcy helps is by freezing all debt collection the second you
file. The bankruptcy court enters an “automatic stay” which stops all debt
collection without having to go to court. The automatic stay lasts for the
bankruptcy duration. This allows debtors to reorganize their affairs without
creditors frustrating their efforts. The stay stops all foreclosures,
repossessions, law suits, garnishments, utility cut offs and the placement of
liens on property, just to give some examples. It can even reinstate a drivers
license that has been suspended for debt.



At the end of bankruptcy, the court enters a discharge, which permanently wipes
out debt. Some debt is excluded from the discharge such as back child support
and spousal maintenance, fines, some back taxes and student loans. The automatic
stay stops tax collection and student loans while you are in bankruptcy but
after you have reorganized your finances these creditors can continue
collecting. Most often, only back taxes that are less than three years old are
not discharged.

Commonly asked questions regarding bankruptcy.

There are many common questions associated with bankruptcy that we hear on a
regular basis from the clients that come to our Pierce County office seeking
debt relief. Perhaps you are searching for similar answers. Please take a moment
to review our brief summary of the most frequently asked questions propounded to
us during an initial case consultation.
 

 * How expensive is it to file for bankruptcy in Washington State?
   Without knowing at least some information regarding your financial state of
   affairs, this question is actually impossible to directly answer. More
   details are needed, which knowing this should serve as a red flag if you’ve
   heard of a firm advertising super low rates.
 * How long does a bankruptcy stay on your credit report?
   Ten years is the length of time that bankruptcy will stay on a credit report.
 * Can my credit score plummet to zero if I file?
   No. This is perhaps one of the most common questions we hear. While there
   isn’t a specific equation to determine what your score will be after filing,
   it should be noted that a positive increase occurs in a lot of cases.
 * Can I eliminate my federal student loan?
   Since this type of loan is for educational benefit, the answer is
   unfortunately, no.
 * Will it be ok if I don’t disclose any family or friends that I owe money to?
   When filing for bankruptcy, by law it is necessary to list all debt owed, no
   matter who it is to.
 * Can friends and family members be paid back?
   Within one year’s time before you file for bankruptcy, refrain from paying
   them back. When debts are discharged in a bankruptcy, it means that you are
   not required to pay. This doesn’t mean, however, that you can’t .
 * Can I prevent my house and car from being repossessed with bankruptcy?
   With many of our clients, they are able to keep their home and vehicle by
   filing for bankruptcy. In order for this to happen, you must keep current on
   payments, and continue to do so moving forward after bankruptcy. Unless
   you’re will to give up the property that is securing the debt, filing will
   not discharge a secured creditor. Please also keep in mind that if
   refinancing your home mortgage is a future possibility, going to a different
   bank would be prudent. Request for a history of your payments from your
   current lender after your bankruptcy discharge (since it is not mandatory for
   them to report your on-time payments to credit bureaus).
 * Am I allowed to keep any credit cards?
   When you file for bankruptcy, it is necessary for you to fully indicate all
   the debts you have. If you have a credit card with zero balance owing, it
   technically can stay open. In most cases, you should be able to hold onto it,
   but it is a decision left up to the financial institution.
 * About how long does the bankruptcy process last in Washington State?
   In general, Chapter 7 bankruptcy can take apx 3 to 4 months. With a Chapter
   13 bankruptcy and depending on your total household income, the process can
   last much longer (apx 3 to 5 years).
 * What will I be responsible for paying in a WA State Chapter 13 bankruptcy?
   Unfortunately, there is no black and white answer to this question. Many
   factors are considered such as the length of your plan, how much income you
   make, your living expenses etc. For a more in-depth assessment, it is highly
   recommended that you meet with one of the skilled Tacoma bankruptcy attorneys
   from our team.
 * When can I start the process of rebuilding my credit again?
   You can begin the process of rebuilding your credit after you have received
   your bankruptcy discharge. For Chapter 7, typically within about 3 to 4
   months; and for Chapter 13 bankruptcy, after you’ve completed your plan.

What is the first step to filing for bankruptcy in Tacoma?

A bankruptcy starts by filing a “voluntary petition” with the bankruptcy court.
A trustee is appointed to administer your case. You will most likely only have
to attend one short hearing called a “meeting of creditors”. This hearing is
fairly informal. It is not held in a courtroom in front of a judge but with the
trustee, who is usually just another bankruptcy attorney who works for the US
Department of Justice. Creditors rarely appear. Most likely you will just have a
five minute hearing with only yourself, your Tacoma bankruptcy attorney and the
trustee present. In some cases issues have to be decided by a bankruptcy judge
but those cases are in the minority.

While in bankruptcy, the trustee takes over your “bankruptcy estate”. That is
all the property that the trustee can investigate to see if it can be used to
pay creditors. Most property is protected by bankruptcy exemptions. The law
allows the majority of people who file bankruptcy in Tacoma to keep their
property for an effective fresh financial start. Many people fear that
bankruptcy is a disaster and they will be left with almost nothing after going
through the process.

Most people in Tacoma realize that nobody in the court system is interested in
judging them and bankruptcy laws are more than adequate to protect the property
they need to care for themselves and their family. While in bankruptcy, the
debtor is not allowed to dispose of any property until the case has been
resolved. Creditors are not allowed to take action against property either,
unless they have a good reason and can convince the bankruptcy judge of that.

Tacoma bankruptcy attorneys helping Washington State residents achieve a fresh
start.



Our experienced bankruptcy attorneys serve Pierce County, including but not
limited to the following cities:

 * Puyallup Bankruptcy
 * Spanaway Bankruptcy
 * Gig Harbor Bankruptcy
 * Buckley Bankruptcy
 * Edgewood Bankruptcy
 * Parkland Bankruptcy
 * Graham Bankruptcy
 * Orting Bankruptcy
 * Eatonville Bankruptcy
 * Fircrest Bankruptcy
 * Lakewood Bankruptcy
 * University Place Bankruptcy
 * Fife Bankruptcy
 * Bonney Lake Bankruptcy

Our bankruptcy lawyers serving Pierce County, WA hear it every day. We
understand. People run into financial difficulty every day and often through no
fault of their own. Someone in your family might have gotten sick and wasn’t
able to work, or the medical bills were simply too much to handle.

In today’s economy, many hard-working, family-oriented people in Tacoma, WA and
all through Washington State simply can’t find work, or they have been laid off
with no prior warning. One unpaid bill leads to another, and before you know it,
you are mired in debt and the phone starts that incessant ringing.

Perhaps you’ve even considered filing for bankruptcy, but were told by a
creditor that it was a bad idea, or that doing so would make you dishonest.
These are deceitful remarks, and our Tacoma bankruptcy lawyers have even heard
of cases where creditors tell people that filing bankruptcy will ruin their
life. These brazen techniques are meant to discourage you from filing for
bankruptcy for one reason only: they want to take your money no matter how
desperate your situation is.

Chapter 7 or Chapter 13 bankruptcy may be your best financial option.

Our Pierce County bankruptcy lawyers want you to know the truth. The truth is
that for many people, bankruptcy represents a sound financial option that can
give them the breathing room they need to reestablish fiscal fortitude. Once the
flow of cash is freed up, you will be able to afford the things you need to live
and provide a quality lifestyle for your family. There are different types of
bankruptcy, and because every one’s situation is unique, our Tacoma bankruptcy
attorneys can help you decide if Chapter 7 or Chapter 13 is right for you.

Bankruptcy protection in Pierce County.

Bankruptcy law is meant to help you, and our aggressive Pierce County bankruptcy
attorneys will make sure it also protecting you, and not your creditors. If you
qualify for bankruptcy, one of our Tacoma bankruptcy lawyers will work to
discharge 100 percent of your qualifying debt while retaining 100 percent of
your assets and property. While this result is not always possible, you will be
able to discuss your options with one of our Washington bankruptcy attorneys
when you call for your free consultation. Remember: Being able to discharge your
debt is your constitutional right. Speak with a Tacoma bankruptcy lawyer from
our team today.

Affordable debt relief help in Pierce County is right at your fingertips. To
learn more about your bankruptcy legal rights and options, call our Pierce
County bankruptcy lawyers today. With our low flat fees, and inexpensive,
flexible payment options, we make it as easy as possible to begin living life
again debt-free.

(253) 444-5869

The differences between Chapter 7 & Chapter 13 bankruptcy.

The two types of bankruptcy available to most consumers are: Chapter 7 & Chapter
13. A Chapter 7 is quick – the typical case lasts about three months. It is
known as a liquidation bankruptcy because un-exempt property can be
“liquidated”, or sold for cash to pay creditors. The bankruptcy exemptions
usually cover a debtor’s home, car, cash, household goods, etc. A trustee can
also take over as part of the “bankruptcy estate” money that was paid to
creditors in the last 90 days (one year for “insiders” like family members and
business partners).

Also included in the bankruptcy estate is money transferred to insiders in the
past two years. Exemptions do not apply to these transfers and debt payments.
Any right to receive money, such as a debt owed to you, a tax refund or a money
from a law suit is also part of the “bankruptcy estate”, whether the tax return
or lawsuit is filed or not. Most Chapter 7s do not have such complications but
the debtor must attend the meeting of creditors and cooperate with the trustee’s
investigation. Do you have questions about this process? Call our bankruptcy
lawyers serving Tacoma, WA today.

CHAPTER 7 TACOMA BANKRUPTCY ATTORNEYS FROM OUR LAW FIRM CAN AID YOU.

A Chapter 7 debtor must also show they’re not abusing the bankruptcy system.
That means filling out a “means test” to show their income isn’t enough to pay
their debts. If you make over the median income for your household size, you
must complete the means test, which deducts legally defined expenses in a
fictional budget. If there’s money left over, you may be accused of “abusing the
system”. Your case can be dismissed, but our Tacoma bankruptcy attorneys can
assist in converting your case to a Chapter 13 repayment plan if that happens.

STOP HOME FORECLOSURE WITH HELP FROM OUR CHAPTER 13 TACOMA BANKRUPTCY LAWYERS.

Chapter 13 takes longer and is more complicated. However, a Chapter 13 can
accomplish a lot of things a Chapter 7 cannot. It can aid you in catching up on
a delinquent mortgage and stay out of foreclosure. You can consolidate a car
loan, taxes, back child support or alimony. Our bankruptcy lawyers serving
Tacoma, WA can aid you in protecting property that could be lost in a Chapter 7
liquidation. Some debt that cannot be discharged in a Chapter 7 can be
discharged in Chapter 13. You pay anywhere from 0% to 100% on “general unsecured
debt” in a Chapter 13 depending on how much is affordable.



This class of debt includes credit cards, signature loans, deficiencies on cars
that have been repossessed and medical debt to name a few examples. Any debt
that is not paid in an approved Tacoma Chapter 13 plan is discharged, as long as
the discharge applies. As with a Chapter 7, student loans and fines cannot be
discharged. Back taxes, child support and spousal maintenance cannot be
discharged but it must be paid through the plan so it will not be left at the
bankruptcy end.

FREE phone consultation with our experienced Tacoma bankruptcy attorneys.

Allow our experienced Tacoma bankruptcy attorneys to help you get back on your
feet again. We are here to address your bankruptcy questions with a free phone
consultation to get you started. We serve Puyallup, Spanaway, Gig Harbor,
Lakewood, University Place, Fircrest and additional cities throughout Pierce
County and WA.

(253) 444-5869

Contact Us
Questions? Email us today.

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Phone

Email Address

Question

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For your first FREE attorney consultation, call today!



Get the fresh financial start you deserve by contacting one of our Tacoma
bankruptcy attorneys. Your first case evaluation is FREE, and at no obligation
to you.
Contact

(253) 444-5869
201 St Helens Ave #204A
Tacoma, WA 98402