Everett, Washington, Bankruptcy Lawyers
Just north of Seattle, Everett, Washington, boasts breathtaking Pacific Northwest scenery, a bustling arts, culture, and music scene, and a charming historic downtown. Its pubs, breweries, and restaurants sustain a robust tourist industry as well as many local families.
Although it offers easy access to Seattle and Vancouver, BC, along the I-5 corridor, Everett has always had a robust local economy. Boeing and Providence Healthcare provide many good jobs to area workers. However, as housing prices rise and the cost of living increases, many hardworking Everett residents struggle to make ends meet.
If your bills have been piling up and you’re worried about your financial future, contact the experienced legal team at Symmes Law Group, PLLC. Our attorneys can help you negotiate reductions in outstanding consumer debts and explore how consumer bankruptcy laws may be able to help you.
How Can Bankruptcy Help Me Get Out of Debt?
The U.S. Bankruptcy Code is a law that allows consumers to manage outstanding debts in a few different ways. Once you file a petition under this law, your creditors must immediately stop trying to collect your outstanding debts—no more calls, no more letters, no more harassment. This protection continues until your bankruptcy case ends.
If you file a bankruptcy under Chapter 7 of the Code, the Court will appoint a Trustee to manage your assets and debts. Usually, you can keep some personal items, a vehicle for everyday use, the equity in your home, pension and insurance benefits, public benefits, and certain tax credits or incentives like the child tax credit and COVID-19 stimulus payments. The Trustee will sell your other assets and distribute the proceeds to your creditors. At the end, the process will leave you free and clear of debt.
Not all debtors are eligible for a Chapter 7 discharge. Sometimes, if your income is too high or you have non-dischargeable debt (like child support arrears or student loans), you may be able to file under Chapter 13. Your attorney will negotiate with your creditors and create a manageable plan for you to pay off and discharge your debts in full.
What Is the Process of Filing for Bankruptcy in Washington?
The U.S. Bankruptcy Court for the Western District of Washington serves Snohomish County residents. Although it has courthouses in Seattle and Tacoma, nearly everything can be done virtually—no driving required! The Court uses a secure online filing system to process all documents, and most court hearings are held by teleconference.
The legal staff at Symmes Law Group, PLLC, can meet with you over the telephone or using a teleconference platform like Zoom. You don’t even need to come into our offices! Our secure online document signing and electronic authentication systems are fast, safe, and convenient, allowing you to review, sign, and send paperwork from the comfort of your home.
Contact a Bankruptcy Attorney Today
Are you ready to take the first step toward reducing your financial stress? The experienced bankruptcy attorneys at Symmes Law Group, PLLC, can help you understand your options. We can discuss the best ways to reduce your debt and manage your financial future, including credit counseling services, loan modification, Chapter 13 bankruptcy, or Chapter 7 bankruptcy. Contact us today.