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Your Trusted Bankruptcy Solution in Seattle, WA
Washington Law Group is a dedicated legal practice specializing in bankruptcy solutions for individuals and families across Washington State. With offices in Everett, Seattle, Bellevue, Tacoma, and Olympia, our team of experienced attorneys provides personalized guidance through Chapter 7 and Chapter 13 bankruptcy processes. We focus on helping clients eliminate unmanageable debt, stop foreclosures and wage garnishments, and regain financial stability through strategic legal representation.Our attorneys stay current with evolving bankruptcy laws to ensure accurate advice and effective advocacy. We offer low flat fees and flexible payment plans to make debt relief accessible to all clients. Over 90% of our clients qualify for bankruptcy protection, and we provide free initial consultations to assess eligibility. Our practice emphasizes transparency, client education, and compassionate support throughout the entire bankruptcy process.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Home Foreclosure Defense
Debt Relief
Credit Card Debt Solutions
Wage Garnishment Protection
IRS Debt Resolution
Vehicle Repossession Prevention
Bankruptcy Exemption Planning
Financial Restructuring
Highlights and features
- We offer free initial bankruptcy consultations with pre-qualification assessments
- Our attorneys specialize in Washington State bankruptcy law with 90%+ client qualification rates
- We serve clients across 4 Washington counties with 8 office locations
- We provide low flat fees and customized payment plans for debt relief
- Our team handles all aspects of bankruptcy documentation and court representation
What people say
Compassionate and effective
Approachable attorney
Expertise in bankruptcy
Non-intimidating approach
Qualified legal knowledge
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates qualifying debts through asset liquidation. This process typically takes 3-6 months and requires passing a means test. Clients must meet specific income requirements to qualify. Our attorneys help protect exempt assets while discharging unsecured debts like credit cards and medical bills.
Chapter 13 Bankruptcy
Chapter 13 establishes a 3-5 year repayment plan for debtors with regular income. This option stops foreclosures and allows debtors to catch up on mortgage payments. Our team negotiates with creditors to create feasible payment plans while protecting assets from liquidation through structured debt reorganization.
Home Foreclosure Defense
Our attorneys provide immediate foreclosure prevention through bankruptcy filings. We help clients modify mortgages, reduce arrears, and negotiate with lenders. By utilizing automatic stay provisions, we stop eviction proceedings and create opportunities for loan restructuring while maintaining homeownership rights.
Debt Relief
We offer comprehensive debt relief solutions for unsecured obligations. Our services include creditor negotiations, debt discharge planning, and financial education. We analyze each client's unique situation to determine optimal debt elimination strategies while preserving essential assets through applicable exemptions.
Credit Card Debt Solutions
Our practice specializes in eliminating credit card debt through bankruptcy proceedings. We help clients discharge unsecured balances while protecting exempt property. Our attorneys provide detailed analysis of debt dischargeability and develop strategic approaches to achieve complete financial relief from overwhelming consumer obligations.
People
Erin Lane
Founding Partner
Erin Lane, founding partner of Washington Law Group, brings compassionate legal expertise to bankruptcy cases. With working-class roots, she specializes in making debt relief accessible while maintaining professional excellence in financial restructuring solutions.
Questions
What are the key differences between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates qualifying debts through asset liquidation, while Chapter 13 creates a 3-5 year repayment plan. Income requirements determine eligibility for each option.
How can bankruptcy stop home foreclosure proceedings?
Filing for bankruptcy triggers an automatic stay that immediately halts foreclosure actions, giving debtors time to restructure mortgage payments through Chapter 13 plans.
What types of debt can be discharged through bankruptcy?
Most unsecured debts like credit cards, medical bills, and personal loans can be discharged. Certain tax debts and student loans typically remain unaffected.
Can I keep my car if I file for bankruptcy?
You may keep your vehicle by continuing payments or redeeming it through a lump sum payment. Chapter 13 allows cramdown options for vehicles purchased over 2.5 years ago.
How does bankruptcy affect credit scores?
While bankruptcy initially impacts credit scores, it provides opportunity for financial recovery. Many clients rebuild credit within 2-3 years through responsible financial management.
What property exemptions apply in Washington bankruptcy cases?
Washington allows debtors to choose between state and federal exemptions covering home equity, vehicles, household goods, and retirement accounts to protect essential assets.
