Contact An Everett Bankruptcy Attorney
Everett Chapter 7 Bankruptcy Attorney
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Chapter 7 Bankruptcy Relief in Washington State
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The benefits of filing an Everett Chapter 7 bankruptcy are that you clear your debt in a relatively quick period of time. It is often the cheapest and most effective way to get out of debt. If you can qualify, an Everett Chapter 7 may be your best option.
In many circumstances, we can also help you reinstate a suspended license or stop a utility cut off, among other things, by filing a Chapter 7 bankruptcy. Many people worry that they will lose their property in a Chapter 7, but part of your fresh start includes allowing you to keep the property necessary to go forward.
For example, in Washington you can protect $125,000 in equity in your home, most retirement plans are 100% protected and most fairly modest automobiles are protected. Additionally, the majority of our Everett bankruptcy clients keep 100% of all of their personal property through various exemptions.
What kinds of debts can an Everett Chapter 7 bankruptcy discharge?
The kinds of debts that you can discharge in an Everett Chapter 7 include credit cards, medical bills, payday loans, deficiencies from car repossessions, old broken leases, and miscellaneous things like bills from video rentals, gym memberships and CD clubs. Some IRS debt can be discharged, some can’t.
Examples of debt that can’t be discharged include alimony and child support. In general, student loans are also not subject to discharge, except in very limited circumstances. Additionally, if a creditor can prove that you committed fraud, that debt would not be subject to discharge in and Everett Chapter 7 bankruptcy.
If you live in Everett, WA and are considering seeking protection through Chapter 7 bankruptcy, we encourage you to talk with an experienced bankruptcy attorney. A good Everett Chapter 7 bankruptcy lawyer can review your income, your finances, and your assets, and then give you a complete idea of what debts can be discharged and what personal property should be exempt.
Talk to an Everett Chapter 7 bankruptcy lawyer today. Find out if you qualify for protection.
When you are ready, our Everett Chapter 7 bankruptcy attorneys are available to talk with you about whether filing for Chapter 7 relief is a good option. If you do choose to file a Chapter 7, we will help you through the process from start to finish with a minimum of stress.