Seattle Bankruptcy Lawyers 

Seattle, WA Bankruptcy Attorney David M. Lux

Bankruptcy provides a fresh start and new beginning.

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We are a Seattle Washington-based law firm emphasizing bankruptcy protection, and help with debt negotiation. Our attorneys have over 20 years combined legal experience. We have helped hundreds of individuals and families in Seattle and throughout Western Washington obtain bankruptcy relief and a fresh financial start.

Bankruptcy protection stops collections, garnishments, lawsuits, repossessions, foreclosures, and creditor harassment.

In most cases, bankruptcy filers keep all of their property, including their house, cars, furniture, and other household items.

Bankruptcy may be your best financial solution.

Whether due to job loss, illness, divorce, or wages that simply cannot keep up with the increased costs of living, filing for Chapter 7 or Chapter 13 Bankruptcy can relieve you of financial distress. Filing for Bankruptcy relief can literally wipe out all of your debts and give you a fresh financial start.

Bankruptcy can actually improve your credit.

With careful financial planning after your bankruptcy case is completed, most of our clients' credit scores actually improve after bankruptcy because the balances of their unsecured debts have been wiped out from the creditor report. In fact, you can achieve a credit score above 700 only a few years out of bankruptcy.

Our law firm will prequalify you under the new bankruptcy reform laws.

Many people erroneously believe that the new bankruptcy laws that took effect in 2005 will automatically prevent them from filing bankruptcy in Washington state. In fact, the opposite is true. Over 90% of those who qualified for bankruptcy protection before the new laws took effect remain qualified for Chapter 7 or Chapter 13 bankruptcy.

As a result, many are able to still discharge 100% of their debts. Our experienced bankruptcy lawyers will guide you through the qualification process step by step.

Take a deep breath. You’ve just found a Seattle bankruptcy attorney who makes filing for bankruptcy in Washington State a seamless process!

Let’s face it: no one wants to file for bankruptcy, but unforeseen circumstances leave you no choice. Maybe you lost your job; or perhaps, you’re going through a nasty divorce, facing foreclosure, or dealing with serious medical issue.

And you feel like filing for bankruptcy is the only viable solution at this point. No matter your reason for filing bankruptcy, it’s not uncommon to feel: Confused Scared Stressed Embarrassed Anxious Depressed Worried

When you’re dealing with a rage of emotions, it may be difficult to file for bankruptcy on your own. If you are like most of our clients, the thought of filing for bankruptcy on your own is completely overwhelming. That’s why you need a Seattle bankruptcy attorney who can help you get through this difficult time.

We are here to let you know everything is going to be ok. Our Washington State bankruptcy lawyers can assist you with making rational decisions. This way you can rest assured your bankruptcy will go smoothly as possible.

Imagine how you will feel when:

• Your phone STOPS ringing off the hook from nasty and harassing creditors
• You can STOP sleepless nights of worry and frustration
• You can be completely STRESS-FREE of your financial circumstance
• You can STOP lawsuits, repossessions, and wage garnishments
• You can focus on your health, instead of avoiding the hospital because you can’t afford to pay medical bills

Allow our Seattle bankruptcy lawyers to help you file for bankruptcy in Washington State.

Our Seattle bankruptcy attorneys understand that every case is different. You have questions, and we have answers. The most common questions we receive are:

What’s the difference between Chapter 7 bankruptcy in Seattle and Chapter 13 bankruptcy in Seattle? And which one should I choose?

In a nutshell, Chapter 7 bankruptcy (also known as straight bankruptcy or liquidation bankruptcy), most of your qualifying debts are discharged, and you will be able to keep a certain amount of property. This is accomplished through “exemptions”. Exempt property cannot be taken away from you during or after the bankruptcy process.

You have a legal right to keep certain property that you will need when you get a fresh start and begin a new financial life. Filing for Chapter 7 bankruptcy may be the best option for you if you are having a hard time paying your debts, and you know that you will not be able to commit to a repayment plan. To file a Chapter 7 bankruptcy, however, you must pass the Means Test, which one of our Seattle bankruptcy attorneys can walk you through during your initial consultation.

Is Chapter 13 bankruptcy right for you?

The other most common type of consumer bankruptcy is a Chapter 13 bankruptcy. As far as Chapter 13 bankruptcy goes, it’s more like a debt repayment plan. Filing Chapter 13 bankruptcy is perfect for people who have a steady income, but have a hard time keeping up with their finances. By filing a Chapter 13 bankruptcy, you will still have to repay certain debts in your own name, the majority of which are secured debts, such as your house. However, you may be able to get your debts reduced and negotiate better terms to help you pay off your debts more quickly.

Sometimes deciding which chapter to file can be confusing and overwhelming.

It’s really hard to tell which chapter of bankruptcy to file without speaking to an experienced Seattle bankruptcy attorney. The only way to know for sure which option to choose is to speak with a qualified Seattle bankruptcy lawyer who can go over your assets and income and can assist you in making the right bankruptcy filing option.

What’s the Means Test and how does it affect me filing for bankruptcy in Washington State?

Simply put, the Means Test was a law passed in 2005 to determine if individuals are eligible to file for Chapter 7 bankruptcy. It was put in place to determine if individuals are really unable to repay their debts. If your income is low enough, you will be able to file for a Chapter 7 bankruptcy. However, if you have a high income, you may have to file for a Chapter 13 bankruptcy and pay down some of your debt. The Means Test varies from state to state and is based on your income and the median income of the state you live in.

Many Washington residents feared that under these new laws, they wouldn’t be able to file for bankruptcy in Washington State. But, that’s not true! In fact over 90% of those who qualified for bankruptcy protection before the new laws took effect, remain qualified for Chapter 7 or Chapter 13 bankruptcy.

In most cases, you will still be able to discharge most of your qualifying debts if you qualify for a Chapter 7 bankruptcy. And, in a Chapter 13 bankruptcy, you will be able to wipe out many or all of your qualifying debts, which will still enable you to get a fresh start. One of our experienced Seattle bankruptcy attorneys will walk you through the entire qualification process, step by step. Call one of our resourceful Seattle bankruptcy lawyers today.

Will I be able to keep my car and home?

It really depends on which chapter you file. If you are worried about saving your home, a Chapter 13 may be the best bankruptcy option for you. You can discharge most of your unsecured debts and then will be able to make payments on your house and get caught up with your bills.

Of course, every case is different, but an experienced Seattle bankruptcy lawyer will walk you through the entire process and inform you whether or not saving your car or home are available options. One of our highly skilled Seattle bankruptcy attorneys will be more than happy to review your case. All you have to do is request an initial consultation, and one of our Seattle bankruptcy lawyers will see if filing for bankruptcy is the right option for you.

Is Bankruptcy my only option at this point?

No. Bankruptcy is almost never your only option. In our experience, however, if you are struggling every month just to get by while going deeper and deeper into debt, it’s often your best option. One of our Seattle bankruptcy attorneys will be happy to discuss your finances in detail and then you can make an intelligent decision about what is best for you.

The only way to find out is, to speak with a Seattle bankruptcy attorney. He or she will be able to guide you in the right direction. Contact one of our dedicated Seattle bankruptcy lawyers today. You need a resourceful Seattle bankruptcy attorney on your side!

It can be overwhelming to file for bankruptcy in Washington State, especially when there are so many myths and misconceptions about bankruptcy.

Many people try to save money by filing for bankruptcy on their own. If you choose this route, which is certainly your right, just be careful and PAY ATTENTION TO DETAIL. In the end, however, you may be doing more harm than good. One little mistake on your paperwork can delay or even dismiss your case. Or, the trustee or judge may ask you questions that you don’t know how to answer. That’s why it’s important to have a skilled Seattle bankruptcy attorney represent your case.

The only way you can decide whether or not filing for bankruptcy is right for you is to consult with an experienced Seattle bankruptcy lawyer. Our experienced Seattle bankruptcy attorneys will be able to review your case, and help you choose the right bankruptcy filing options based on your unique situation.

Our highly skilled team of Seattle bankruptcy attorneys are here to offer you:

• Guidance
• Support
• Comfort
• Peace of mind
• Low flat fees
• Flexible payment plans
• Over 20 years experience in bankruptcy protection

Contact one of our knowledgeable Seattle bankruptcy attorneys today!

It doesn’t matter why you chose to file for bankruptcy. What matters is the support and guidance you receive from a Seattle bankruptcy attorney to help get you out of your financial situation. Call one of our Washington State bankruptcy lawyers today!

Just imagine how you will feel after you file for bankruptcy in Washington State: Relief that the “worst is over.”

• Finally be able to get a peaceful night sleep
• A huge weight lifted off your shoulders
• A second chance at a fresh start to financial freedom
• New and improved credit scores

For more information about bankruptcy protection, contact our law office for a free consultation with one of our experienced bankruptcy attorneys.

Seattle Bankruptcy Attorney David M. Lux 1218 3rd Ave #500J Seattle WA 98101 United States (206) 922-8501 Seattle (425) 455-4646 Eastside (253) 852-8989 South King email: seattle_debt_lawyers@yahoo.com

Attorney David M. Lux and the lawyers who work with him are part of a Seattle based debt relief agency.  They help individuals and families in Seattle and throughout Western Washington resolve their debt problems through bankruptcy protection under the Washington state and federal bankruptcy code.