Chapter 13 Bankruptcy Fees

We Offer Flexible Payment Plans for WA Chapter 13 Bankruptcy

People Who Should File Washington Chapter 13 Bankruptcy
Are People That…

Are finding it hard to pay all their bills each month and need help. They have enough to pay their creditors at least something each month, just not everything NOW. Need to reorganize their finances. Create a court-approved plan to pay creditors on YOUR terms, not theirs. We will free up additional income in your budget each month, so you can pay for the things you need.

	Have filed a Chapter 7 Bankruptcy with a discharge in the past 8 years.
	Talk to us about a low-payment Washington Chapter 13 Bankruptcy that will give you relief only 4 years after filing a Chapter 7 Bankruptcy. Payments can be as low as $100 per month.

	Have valuable assets that they would lose in a Chapter 7 Bankruptcy. Sometimes assets are worth more than the exemptions laws can protect in a WA Chapter 7 Bankruptcy. (You are allowed to keep up to a certain amount of property in a Chapter 7 Bankruptcy, but not more than that). A Chapter 13 allows you to keep your assets, and pay only the non-exempt portion to your creditors over 3 to 5 years. Note: Pensions, 401(k)s and IRA’s are exempt, so they are safe even in Chapter 7’s.
	Are being hounded by collectors, even being sued or garnished. Chapter 13 Bankruptcy stops these immediately upon filing.
	Have income, and have some left over income each month after paying basic expenses like rent, food, gas, etc. Although they have income, they just don’t have enough to pay everybody right now.
	Have a pending foreclosure: A Washington Chapter 13 Bankruptcy can save a house from foreclosure, and give you up to 5 years to get caught up again on payments.
	Want to strip their 2nd mortgages off of their houses. Imagine no 2nd mortgage! If the balance owing on your 1st mortgage is larger than the amount your house is worth, this may be an option!
	Owe back taxes, child support, or spousal maintenance. Filing a WA Chapter 13 Bankruptcy can stop the IRS, and may be able to catch up on domestic support obligations over 3 to 5 years.
	Have lot of unsecured debt like medical bills, credit cards, etc. They don’t have enough to pay it all back, yet would benefit from a 3 to 5 year plan on other kinds of debt, liked missed mortgage payments, car payments or taxes. A Chapter 13 Bankruptcy will discharge (eliminate part or all of your): - Medical bills - Credit cards - Unsecured lines of credit - Lawsuits - Judgments - Repo and foreclosure balances still owing after sale - Personal injury claims - Payday loans - Overdrawn bank account balances - And MUCH more! A Washington Chapter 13 Bankruptcy does NOT discharge the following debts, but we can often find a way to pay them through a Chapter 13 Plan: - Student loans (though you may qualify for a hardship discharge) - Most taxes, except income taxes over 3 years old - Fraudulent debt - Fines, traffic tickets, and criminal restitution - Debts from personal injury or death caused as the result of being intoxicated   while operating a motor vehicle - Domestic support, like child support or spousal support - Debts you are ordered to pay as the result of a family court order   (can be discharged if your ex doesn’t object in time)
	Owe a lot more on their vehicles than they are worth. We can “Cram Down” the amounts owed on many vehicles, and get rid of the rest of the debt.

How It All Works

	You meet with one of our experienced Washington state bankruptcy lawyers for a free initial consultation. You will be asked to bring information about your income, debts, and assets. Make sure to discuss pending foreclosures, garnishments and other emergencies right away.
	The attorney will tell you at your free consultation what your options are, including non-bankruptcy options.
	If you decide to move ahead, we will start a file, and will give you a list of information to collect.
	We will work closely with you to create a Chapter 13 Bankruptcy Plan that is custom-designed to meet your needs and work with your budget. They usually run from 3 to 5 years long.
	After we prepare all the papers for you, we will have you come in to sign them.  We will go through each page with you so that you understand, and make any last-minute changes if necessary.
	We then file the case.  This will immediately stop all foreclosures, garnishments (except for domestic support obligations), and other collection activity.
	About 30-45 days after you file, you will have a "Meeting of Creditors." You will need to bring your driver’s license and social security card (or other proof like a W-2).  We will be there with you. The Trustee, a person appointed to handle your case, will ask questions to make sure you can make the plan work.
	Sometimes we will make changes and amend the plan.
	After all the needed changes are made, the court will usually confirm your Chapter 13 Bankruptcy plan.
	You make the payments, usually through a wage deduction, and these go to the Trustee.
	The Trustee pays out on claims made by creditors.
	If anything changes during your plan, we can make changes or discuss other options, such as converting to a Chapter 7 Bankruptcy case.
	After you make all of your payments, your mortgage will be caught up, your car paid off, your taxes paid, and nearly all of your unsecured debt discharged.
	Congratulations!  You’re done and you have a fresh start!

Washington Chapter 13 Bankruptcy Attorney Fees

We offer flexible payment plans The standard fees for a Chapter 13 Bankruptcy typically range from between $2,500 and $3,500. The reason it is so much higher than our Chapter 7 Bankruptcy is because of the significantly greater amount of work that is required of our attorneys in a chapter. However, unlike Chapter 7 Bankruptcy attorney fees, these do not need to be paid all up front and by law some portion of them can be paid out of the plan over time during your case and after filing.

Please call us for a free consultation for filing a WA Chapter 13 Bankruptcy: 

Everett: (425) 953-4061
Seattle: (206) 387-8500

South King County: (253) 458-4056