Olympia Bankruptcy Attorneys
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(360) 350-4816
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Chapter 13 Bankruptcy
Chapter 7 Bankruptcy
Olympia | Lacey | Tumwater | Shelton
Thurston County Bankruptcy Lawyers
Stop your home foreclosure immediately!
Never pay your credit card bills again!
Stop all creditor harassment now!
Call Now! (360) 350-4816
Jason S. Newcombe
Experienced, aggressive, and affordable Olympia bankruptcy lawyers serving all of Thurston County, WA.
All Olympia, WA Chapter 7 and Chapter 13 bankruptcy cases handled.
Get help, information, and answers now about your debt relief options.
Call now for a free case evaluation: (360) 350-4816
Chapter 13 bankruptcy can also help you save your home. If your house is currently facing foreclosure, filing for bankruptcy may be able to save it from being sold at auction. That is why Chapter 13 bankruptcies are often referred to as "house savers". Filing a Chapter 13 bankruptcy has many other advantages as well, including being able to make one monthly payment that you can actually afford.
If you and your family are struggling every month just to get by while going deeper in debt, bankruptcy may be right for you. Our Olympia bankruptcy lawyers are experienced, aggressive, and compassionate. We understand that even the thought of filing for bankruptcy is a scary one for many of our Thurston County clients. Bankruptcy has become a dirty word in our society, which is very unfortunate.
We handle all Olympia, WA Chapter 7 and Chapter 13 bankruptcy cases. Many people ask if they can simply file for bankruptcy on their own. And, the answer is yes! The United States Bankruptcy Court provides a lot of information about filing for bankruptcy on your own. You can also find a lot of good information about both Chapter 7 Bankruptcy and Chapter 13 Bankruptcy.
As with many things in life, however, filing for bankruptcy on your own can be a very frustrating and complicated process. And, we do not recommend it. Our bankruptcy attorneys will work hard to maximize your relief under the Federal and the Washington State bankruptcy laws. Let us help you get the debt relief that you deserve. Call now for a free no-obligation financial evaluation and case analysis.
Talk to one of our Olympia bankruptcy attorneys today!
Wipe out your debts! Keep your property!
Call now for help and answers.
(360) 350-4816
Your creditors want you to think that filing for bankruptcy means you are a failure.
We want you to understand your legal rights and debt relief options.
The credit card companies and their nasty bill collectors want you to believe that filing for bankruptcy somehow equates to your being a bad person or having failing in life. This is absolutely ridiculous! In fact, nothing could be further from the truth.
The real truth is that the Federal and Washington State bankruptcy laws were put into place to protect honest and hard working folks who had fallen on hard times. If you qualify, filing an Olympia bankruptcy is your legal right. Many of our Thurston County bankruptcy clients are pleasantly surprised at how easy we make the process and that it provides them with great peace of mind once they realize that the will be able to wipe out their debts and keep their property.
If you are ready to stop worrying about how you’ll ever get out of debt and put your past mistakes and misfortunes behind you, our Olympia bankruptcy attorneys are here to help. You will immediately see greater cash flow and by keeping up with your bills, you can start rebuilding your credit. If you think your financial situation is so bad you just can’t come up with a solution by budgeting, our Olympia bankruptcy lawyers are here to help you get on your feet and get a fresh start.
We help hundreds of Washington State and Thurston County bankruptcy clients every year. Talk to an Olympia bankruptcy attorney today! If you live in Thurston County, WA, your "Meeting of Creditors" will be held Tacoma Bankruptcy Court, which is located at
Here is a link to the address: Section 341(a) meeting of creditors held
You will also find a lot of helpful information about filing for bankruptcy in Western Washington at the United States Bankruptcy Court's website. This website is the official government website for the U.S. Bankruptcy Court's Western District of Washington, which covers a wide area from Bellingham to Vancouver, WA.
U.S. Bankruptcy Court - Western District of Washington
If you have questions about your financial future and wonder whether or not filing for bankruptcy is the right decision for you and your family, we encourage you to call our Olympia offices to discuss your options. Our bankruptcy lawyers are experienced and knowledgeable debt relief lawyers who will work hard to maximize your relief under the Washington State and Federal bankruptcy laws.
Need to qualify for Washington State bankruptcy protection and relief?
Facing foreclosure? Tired of struggling just to get by every month?
Don't wait. Talk to an Olympia, WA bankruptcy lawyer today!
Call now! (360) 350-4816
Feeling overwhelmed by debt collector phone calls?
Is your Olympia house facing foreclosure? Is it already scheduled for auction? Are you being served by a collection lawsuit, repossession action, or wage garnishment? If so, our debt relief attorneys and experienced bankruptcy staff can help you relieve this stress by filing chapter 7 bankruptcy or chapter 13 bankruptcy.
There are many intricacies of bankruptcy most do not think of, and our bankruptcy staff has the knowledge to help you look at bankruptcy from all angles. Our staff not only has close family members who have filed bankruptcy but have helped thousands of people through the stressful time of debt relief.
We will deal with your creditors for you by accepting the harassing phone calls from creditors and making sure that you receive the debt relief that you deserve when you file your Washington State bankruptcy petition. Our Olympia bankruptcy attorneys will maximize your protection and your relief under the Federal and Washington State bankruptcy laws.
IRS debt, student loan debt, court fines, suspended licenses, and traffic tickets are debts most often not dischargeable in chapter 7 bankruptcy but can be paid off in a payment plan through a chapter 13 bankruptcy. However sometimes these debts can be discharged in a chapter 7 bankruptcy. Our chapter 7 bankruptcy and chapter 13 bankruptcy staff have the knowledge and skill to determine which bankruptcy chapter will most suit your debt relief needs.
Do not take out a 401K loan to pay your current debt when your 401K is there for your future. Why not create a fresh start for yourself to lead to the retirement years you want? A chapter 7 bankruptcy and a chapter 13 bankruptcy can give you the fresh start you are looking for.
Talk to an Olympia, WA bankruptcy lawyer today!
The only thing you have to lose is your debt!
One call could change your life!
Call now! (360) 350-4816
What can people expect from filing a Washington State Bankruptcy?
If you are drowning in debt and cannot see a way out of your situation, it may be time to consider getting a fresh start and consulting with an Olympia bankruptcy attorney. Bankruptcy is a federal court case that results in a discharge of your debts. A discharge basically cancels wipes out your debts and allows you to move forward in life without feeling like all you are doing is working for your creditors. Some people get into a cycle where they are paying their creditors by taking out more debt, which can only go on for so long.
An Olympia bankruptcy starts by filing a petition with the bankruptcy court. This petition lists your property, your debts, your income and your budget, along with some other financial details, showing why you need a fresh start. This petition is drafted by us and reviewed by your Olympia bankruptcy lawyer. If any changes need to be made, the petition is adjusted. Your Olympia bankruptcy attorney will then review the petition with you prior to your signing off on its accuracy.
There are two primary kinds of bankruptcy for most of our Thurston County bankruptcy clients. These are commonly known as a "Chapter 7" and a "Chapter 13". In a Chapter 7 bankruptcy, if you have any major property you could lose it but most necessities are protected. In a Chapter 13 bankruptcy, you file a repayment plan that lets you pay what you can afford over three to five years. If your household income is over the median income, you may have to do a Chapter 13 repayment plan.
If you are feeling overwhelmed by the large amount of debt or are simply sick and tired of the constant phone calls from collection agencies, our Olympia bankruptcy attorneys can help eliminate stress by discharging your debt through chapter 7 bankruptcy or chapter 13 bankruptcy.
Talk to an Olympia, WA bankruptcy attorney today!
If you have questions about whether or not you can qualify for a Washington State bankruptcy, we encourage you to call our offices and speak to one of our experienced Olympia bankruptcy attorneys. The entire pre-qualification process often takes less than fifteen or twenty minutes, and it may just be the solution to all your problems.
Just give us fifteen minutes, and we may be able to turn your entire financial life around in once phone call. One of our Olympia bankruptcy lawyers will be happy to review your debts, your income, and your assets, and then help you to understand your legal rights and options.
Will I have to go to court after filing my Olympia bankruptcy petition?
Whether you file a Chapter 7 or a Chapter 13, you will probably only have to attend one short hearing called a “meeting of creditors”. Creditors usually don’t appear but you will meet with a Trustee who is appointed to administer your case and make sure the laws are being followed. A Chapter 7 trustee can take “non-exempt” property, sell it and pay your creditors. A Chapter 13 trustee takes your monthly payments and distributes them to your creditors according to the plan.
Right after you file your Olympia bankruptcy petition are protected from your creditors by the “automatic stay”, which stops all debt collection dead in its tracks. After your case is over, which is about three to four months for a Chapter 7 and three to five years for a Chapter 13, you receive a discharge. Certain types of debts, however, are not discharged. The most common types of non-dischargeable debts are back taxes, child support or alimony and fines like traffic tickets. Most student loans cannot be discharged either, except in rare or unusual circumstances.
Most of your debt, however, is completely discharged or wiped out. For many of our Olympia bankruptcy clients, the most common types of discharged debts are credit cards, payday loans, car repossession deficiencies and medical bills, to name a few. If you are making payments on a car, a house, or some other big ticket item, you can arrange to surrender it and walk away from the debt if you cannot afford it.
Or, if you want to try and keep the property and can afford to make the payments, filing for bankruptcy allows you to make arrangements to pay for it, either through a Chapter 13 plan or by reaffirming the debt in a Chapter 7. It is important to note, however, that when you reaffirm a debt, you are back on the hook for this loan. As a result, you should be very careful about signing a reaffirmation agreement and reassuming the debt.
Call now to speak with one of our experienced Olympia bankruptcy lawyers.We understand how intimidating it can be to even take that first step. But you owe it to yourself to at least learn more about your legal rights and options. If you financial situation allows you to legally qualify for bankruptcy protection, it's an option that at least warrants exploration. Our experienced Washington State and Olympia bankruptcy attorneys will be glad to review your situation and explain your options.
Call today! Our Olympia bankruptcy lawyers are standing by and want to be part of the solution. It may be the best call you ever make.
Washington State debt relief attorneys and Thurston County bankruptcy lawyers.
Our Olympia, Washington legal services offices are conveniently located in downtown.
Olympia Bankruptcy Lawyers
Our Olympia Chapter 13 bankruptcy attorneys and Chapter 7 bankruptcy lawyers proudly serve clients throughout Thurston County, WA and the cities of Olympia, Lacey, Tumwater, Yelm, and Shelton.1801 West Bay Dr NW #207B
Olympia, WA 98502
(360) 350-4816