Bankruptcy Lawyer in Seattle, Washington: Chapter 7
Helping You Discharge Debt and Stop Creditor Harassment
If you face a mountain of debt with no reasonable chance of getting caught up, you can get a fresh start with a Chapter 7 bankruptcy filing. A Chapter 7 bankruptcy allows you to permanently discharge certain debt in exchange for the sale of non-exempt assets. When you file, you are immediately protected by an automatic stay, which prohibits your creditors from calling, writing or taking any legal action outside the bankruptcy proceeding to collect the debt, including garnishments or wage attachments.
At the office of attorney Derron C. Calvin, we have over 10 years of experience helping people throughout south King County with Chapter 7 bankruptcy petitions. We take a straightforward approach, carefully reviewing the details of your situation to determine whether personal bankruptcy is in your best interests. We understand that filing for bankruptcy can be embarrassing. Our offices are located in a residential neighborhood, where your privacy can be protected. Contact the Law Offices Calvin & Associates online or call our office at 206-723-9355 or 206-767-4900 (in White Center) to arrange a free initial consultation.
Our Chapter 7 Bankruptcy Practice
Under the recent revisions to the bankruptcy laws, you must now qualify to file under Chapter 7 by submitting to a "means test," whereby the court makes a determination of whether you have the ability to repay your creditors. We will confirm your eligibility to discharge your debts by walking you through the means test. We will also make certain that you understand, before you file, what debts cannot be discharged in Chapter 7, such as child support arrearage, student loans and some tax obligations. We will also ensure that any non-exempt assets, including principal residence, vehicle and retirement assets, are excluded from the sale. A Chapter 7 proceeding can also temporarily stop a home foreclosure proceeding.
If you qualify and decide to file for protection under Chapter 7, you will be required to participate in financial counseling. We can help you get the counseling necessary to go through the process. We will handle all matters related to the Chapter 7 filing, preparing and submitting any documentation required during the process, and representing you in hearings or meetings with the court, the trustee, or your creditors.
Fees
We handle Chapter 7 bankruptcy petitions for a flat fee of $700, not including court costs.
Contact Us
The entire Chapter 7 process can be completed in 90 days. A Chapter 7 can often leave you in a better position than a Chapter 13, as you will start to rebuild your credit much sooner.
For a free initial consultation, contact us online or call us at 206-723-9355 or 206-767-4900. We schedule appointments 6 days a week. Evening and weekend meetings are available upon request. We have a Spanish speaking staff member available by appointment. Visa and MasterCard are accepted.
