Your Credit Score and Bankruptcy

As a Seattle – Kent bankruptcy lawyer I don’t just help my clients file bankruptcy, I also help them prepare for life after bankruptcy.  One question that I hear a lot is “what will happen to my credit  score if I file bankruptcy?”  Before I answer that question, I just want to address the reason that people ask that question.  … Continue reading »

Chapter 7 Bankruptcy Advantages

Part of filing bankruptcy is choosing the right chapter to file under.  In my experience as a Seattle – Kent bankruptcy lawyer I have helped people not just file bankruptcy, but find the right bankruptcy chapter for their situation.  Chapter 7 is the best choice for most of my clients.  This is because a chapter 7 bankruptcy is the fastest, … Continue reading »

Keeping Your Car – Reaffirmation Agreements

If you want to keep your car after a chapter 7 bankruptcy, you must complete a reaffirmation agreement.  I can help you with the reaffirmation agreement.  A reaffirmation agreement is one area where it helps to have to have the experience of a Seattle – Kent bankruptcy lawyer to assist you. If you do not sign a reaffirmation agreement, then … Continue reading »

Choosing Chapter 13 Bankruptcy

Definitely one of the hardest things about filing bankruptcy is figuring out what chapter you should file under.  You can file under either chapter 7 or chapter 13.  Each chapter has its upsides and its downsides.  As a Seattle – Kent bankruptcy lawyer, I can help you make the right choice. Sometimes people are hesitant about choosing a chapter 13 … Continue reading »

Choosing Chapter 7 Bankruptcy

One of the hardest things about filing bankruptcy is figuring out what chapter you should file under.  You can file under either chapter 7 or chapter 13.  Each chapter has its upsides and its downsides.  Some people have heard a rumor that chapter 7 was abolished or that it’s hard to qualify for chapter 7; but, that’s not true.  The … Continue reading »

Adversary Proceedings – The Bankruptcy Lawsuit

An adversary proceeding is a lawsuit that is part of a bankruptcy case.  Most cases do not involve an adversary proceeding.  This is because adversary proceedings are not necessary for you to get a discharge.  An adversary proceeding functions like any other lawsuit.  There is a plaintiff and a defendant.  The plaintiff is the party that starts the case and … Continue reading »

Credit Cards in Bankruptcy

Everyone has credit card debt and credit card debt is one of the most common debts in bankruptcy.  All of my clients want to know what will happen to their credit cards in bankruptcy.  First, credit cards can be discharged in bankruptcy.  A credit card debt is a a general unsecured debt in a bankruptcy.  A general unsecured debt has … Continue reading »

Taxes in Bankruptcy

I hear questions about discharging income taxes in bankruptcy all the time.  In Washington State, there is no personal income tax; so this discussion only involves federal income tax that is owed to the IRS.  Back taxes can be a huge burden, especially with penalties and interest.  You can use bankruptcy to take care of debts to the IRS. I … Continue reading »

Shortsale Information – Areas of Risk

A short sale sounds like a great way to take care of a foreclosure, right?  Well you need to be careful.  Many of my bankruptcy clients are somewhere in the short sale process.  If you even think that you might need a bankruptcy, make sure to pay attention to these areas of concern: First – It Could Prevent You From … Continue reading »

Denial of Discharge Defense – Advice of Counsel

A denial of discharge adversary proceeding seeks to take away your entire discharge.  If the trustee is successful, not only do you lose the discharge in this case but you cannot discharge any of these debts in a future bankruptcy.  As one lawyer put it, it makes you a financial dead man walking.  This is why it is so important … Continue reading »