Auburn Bankruptcy Lawyers 

Call now to speak with one of our experienced Auburn bankruptcy attorneys.

(206) 922-8501 Seattle
(425) 455-2040 Eastside
(253) 852-1661 South King

We offer low flat fees and flexible payment plans.

Algona, WA Bankruptcy Attorney David M. Lux

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Experienced Washington State Bankruptcy Attorneys

People often consider bankruptcy when they feel like they have no other suitable options for their debts. When they have fallen behind on payments and can't catch up, bankruptcy begins to look like the only way to start over. For many this is true, but there may be other options. The best way to find out what would work for you is to discuss your finances with one of our Auburn bankruptcy attorneys.

What is bankruptcy?

Bankruptcy is a legal option for people who have gotten behind financially and feel they have no other way to get ahead. It is a way to start over by discharging 100% of your qualifying debts and clearing your credit report of collections, repossessions, and foreclosures. For many, though, the biggest benefit of bankruptcy is how it stops the harassing phone calls.

Harassing phone calls are creditors' way of making you feel the pressure to pay them. They start with simple letters, emails or calls that say “your payment is late” and continue until they become harassing efforts to get what money you do have as a payment. Often, this is in the form of several phone calls day, personal visits, and strict letters demanding payment. It all can get very stressful, especially for the person who cannot to make a payment.

Who qualifies for bankruptcy?

Legally most people qualify to file bankruptcy, but it isn't always the best route. We like to take the time to work with each family here in Auburn, Washington one-on-one to see what would benefit them the most. There are 2 chapters of bankruptcy that can be filed, but there are sometimes other ways to get ahead. It really depends on your personal situation.

With the recent economical issues in Washington and all over the country, bankruptcy is one option that allows individuals to start fresh with their finances, keep their homes, keep their vehicles, and move on. Even though Auburn is considered to have some of the most affordable land in this part of Washington, we are still heavily affected by a poor economy. Job loss and inflation are making it difficult for hundreds of people to make their home payments. If you fall into this category, please call one of our Auburn bankruptcy lawyers to see what can be done to save your home.

What is Chapter 7 bankruptcy?

Chapter 7 bankruptcy is the simplest form of bankruptcy and covers most petitions. While it is coded as the form of bankruptcy where your assets are sold to pay off your debts,  our Auburn bankruptcy attorneys are usually able to help you exempt your properties so that you get all of your qualifying consumer debts discharged, but keep most if not all of your possessions.

Here are some of the most common debts discharged through Chapter 7 bankruptcy:

  Credit cards
  Automobile loans
  Payday loans
  Personal loans
  Medical bills
  Electric & gas bills

Call our Auburn bankruptcy attorneys and schedule your FREE phone consultation today!

Our Auburn bankruptcy attorneys do everything humanly possible to make sure you completely understand your financial options and obligations when it comes to eliminating your debts.