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Chapter 7 Bankruptcy

When you need a Bankruptcy Lawyer in Olympia, call Weinberg & Ziegler, PLLC (360) 943-6200

Rochester, Tenino, Elma, Montesano, McCleary bankruptcy lawyer

The Attorney you need at the US Bankruptcy Court.

A Chapter 7 Bankruptcy is sometimes called a Fresh Start Bankruptcy. 

Chapter 7 bankruptcy is a relatively quick process that takes about 100 days from filing to case closing.

Filing a Chapter 7 bankruptcy automatically stops home foreclosures, vehicle repossessions, wage garnishments, and other collection actions, but if you need time to resolved missed payments on items you want to keep, you should consider filing for Chapter 13 bankruptcy protection.

We can usually have your case ready for review, signature and filing within a week or two after your bring your questionnaire and supporting documents to us.  In an emergency situation we may be able to file your case immediately.  You can request an appointment or callback right now.

We file your case shortly after you review and sign the documents.  You will not need to go to the court to get your case filed, we will handle the initial filing for you.

How often can you file for Chapter 7 bankruptcy?

If you have already received a discharge in a Chapter 7 bankruptcy, you must wait eight years from the date you filed the previous case before you can file another Chapter 7 and receive a discharge.  If you need to file for bankruptcy before the eighth year, you will need to file for Chapter 13 bankruptcy Protection.  The timing of filings is very important, please call and speak with Attorney Morgan Ziegler if you have filed for bankruptcy before and are in financial distress.

How often can you file for Chapter 13 bankruptcy?

Time Limits Apply to Discharges, Not Filing. Bankruptcy law doesn’t set a minimum period that you must wait before filing for bankruptcy a second time. However, there’s a catch. If you file too soon after wiping out debt in a previous case, you won’t be eligible for another debt discharge (forgiveness).

Although there are times that it makes sense to file for bankruptcy even though you won’t receive a discharge, these situations are rare (more below). Because a bankruptcy filed too soon will end up being a waste of time and money in most cases, it’s essential to know how to time your bankruptcy filing.  Please call and speak with Attorney Morgan Ziegler if you have questions about the type of bankruptcy that may need to file and when you should file for bankruptcy protection.

Tacoma Bankruptcy Court Hearings

There is a hearing at the US Bankruptcy Court that occurs about 30 Bankruptcy Court Tacoma for Aberdeen, Hoquiam, Chehalis, Centraliam, Yelm Lacey Tumwaterdays after we file your case.  You will need to attend that hearing and an attorney from the firm will be there with you for the hearing. This hearing, known as a “341 hearing” or “creditors meeting” often takes only a few minutes.  We will help you file any additional documents or amendments that need to be submitted and you can expect to receive a discharge of debt about 60 to 70 days after the 341 hearing.

Some debts will not discharge through bankruptcy.  Student loans, tickets, criminal fines, child support, and a few other types of debt cannot be discharged through bankruptcy.  Credit card bills, medical bills and many types of general consumer debt are generally discharged through bankruptcy proceedings.

A person or family can often protect their home, their automobiles and pension accounts through a bankruptcy proceeding.  Get legal advice and avoid costly financial mistakes. A timely bankruptcy can help you retire without debt. The filing of bankruptcy will stop collection calls, lawsuits and garnishments.  Call and ask us how a Chapter 7 Bankruptcy filing might ease your financial situation, even if you have property that you want to keep through the bankruptcy.

The Bankruptcy Means Test

Bankruptcy filing includes a financial determination known as the Plan for Bankruptcy Olympia Tumwater Lacey Shelton Montesano Elma Yelm Rochester Tenino Centralia Chehalis McCleary“Means Test” that is used to determine if a person can qualify for a Chapter 7 Bankruptcy filing.  The Means Test may indicate that you will be required to file a Chapter 13 Wage Earner Bankruptcy instead of a Chapter 7 Fresh Start Bankruptcy that you may prefer.

Our law firm is highly skilled at completing the Means Test to  help you qualify for Chapter 7 Fresh Start Bankruptcy even when the initial determination may indicate you will have to file for Chapter 13 bankruptcy protection.  Do you have questions?

There is no fee for the initial consultation for a personal bankruptcy. Contact our office if you would like to learn more about filing a Chapter 7 Bankruptcy.  Request an appointment or callback right now.

We are located at 324 West Bay Drive NW, Suite 201

Olympia, Washington 98502

You can reach us by telephone at (360) 943-6200

Our fax number is (360) 943-4827

We are a debt relief agency.

We help people file for bankruptcy relief under the bankruptcy code.

Bankruptcy Services for Olympia Centralia Chehalis Shelton Yelm
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