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Chapter 7 - 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 resolve 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 you 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. 

You will have to appear in court, for the meeting of creditors approximately 30 days after your case if filed. 

Chapter 13 Bankruptcy - Wage-Earner Plan

Chapter 13 Bankruptcy is open from 3 to 5 years and a Chapter 13 case requires a monthly payment to the Chapter 13 Bankruptcy Trustee.

Filing a Chapter 13 bankruptcy automatically stops home foreclosures, vehicle repossessions, wage garnishments, and other collection actions. Chapter 13 is commonly used to reorganize debt such as home mortgages, equity lines of credit, child support, vehicle payments, taxes, student loans, and traffic tickets. It may help a person whose Washington State driver’s license has been suspended or revoked get their license reinstated.