Bankruptcy Lawyer in Seattle, Washington: Chapter 13
Helping You Reorganize Your Debt and Stop Creditor Harassment
If you are struggling to meet your financial obligations, but you don't qualify for immediate relief under Chapter 7, or you want to repay your creditors, but want to keep them from harassing you with endless calls and letters, a Chapter 13 reorganization may be in your best interests. When you file for protection under Chapter 13, an automatic stay immediately goes into effect, preventing your creditors from calling, writing or taking any other action to collect the debt outside the bankruptcy proceeding.
At the Law Offices Calvin & Associates, we have helped people with Chapter 13 bankruptcy filings for over 10 years. We take a straightforward approach to bankruptcy, carefully examining your financial circumstances, so that we can make recommendations that are in your best interests. We understand the sensitivity of a bankruptcy filing and maintain our offices in a residential neighborhood, where we can protect your privacy. Contact our office online or call us at 206-723-9355 or 206-767-4900 (in White Center) for a free initial consultation.
Our Chapter 13 Bankruptcy Practice
In a Chapter 13 bankruptcy, you get relief from creditor harassment by agreeing to repay your debts over a 3 to 5 year period. In some situations, where you cannot afford to repay all debt within the statutory time period, you may have some portion of your debt discharged. All new penalties and interest are also prevented by the automatic stay. A Chapter 13 bankruptcy can be the ideal way to save your home from foreclosure, as it can buy you the time you need to get caught up and can allow you to negotiate more favorable terms.
We handle all matters related to a Chapter 13 bankruptcy filing, preparing all the necessary documents to initiate and complete the process, and acting as your advocate in all meetings or hearings with creditors, the bankruptcy trustee or the court. We will help you put together a repayment plan for submission to your creditors and will review any proposed reorganization plans you receive to make certain they are within your means. If you enter into an agreement to repay creditors, but fail to keep your promise, you can lose the protections of the bankruptcy law.
Fees
In Chapter 13 filings, while we charge our normal hourly attorney fees, we do not require any kind of a retainer or down payment.
Contact Our Office
To arrange a free initial consultation, contact us online or call us at 206-723-9355 or 206-767-4900 (in White Center) to set up an appointment. We schedule client meetings 6 days a week, including evenings and weekends by request. Visa and MasterCard are accepted.
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