Bellingham Bankruptcy Lawyers
In times of economic difficulty, interest in Chapter 7 bankruptcy grows. We find that people in and around Bellingham wonder whether Chapter 7 is still there for them. Can they still qualify? Is credit card debt still dischargeable? If they declare Chapter 7, do they have to give up their home?
Lawyers Experienced in Declaring Chapter 7 in Washington State
The answer is yes, yes and no. Chapter 7 is nearly as easy to qualify for as before. (The difference is that people with substantial income may not qualify — but those aren’t the people who try to qualify.)
At Britain & Vis PLLC, the emphasis is on consumer bankruptcy. Our typical clients are people going through difficult times financially. They have major medical debts, have lost their jobs or are overwhelmed by credit card debt. They are worried about keeping their homes.
What does Chapter 7 do?
Chapter 7 keeps creditors at bay while it wipes clean almost all of your unsecured debts.
Talk to the Bellingham and Lynden Debt Relief Attorneys
Bankruptcy, besides relieving debt, can function as a kind of foreclosure defense. While you are under bankruptcy protection, no move can be made against your home. In addition, there are nonbankruptcy tactics that may work for your situation such as lien stripping (in which second liens for secondary mortgages are removed) and short sales (getting the bank to accept a sale for a lesser amount). We work with numerous realtors that deal in short sales.
What does Chapter 13 do?
Chapter 13 lets you catch your breath and reorganize your debt, while protecting your home from foreclosure.
Beware of the ‘Bankruptcy Mill’
You may have noticed there is no shortage of people eager to capitalize on your bad luck. We urge you to be wary of debt consolidation schemes and bankruptcy mills. Debt consolidation schemes offer little protection and cannot discharge debts.
And bankruptcy mills — quickie Chapter 7s — give you zero personal attention. At Britain & Vis PLLC, you will always be dealing with your attorney.
If you are up to your neck in debt, it may be time to discuss Chapter 7 or Chapter 13. The Bellingham bankruptcy attorneys at Britain & Vis PLLC will be happy to meet with you to discuss your situation. Call them, or e-mail them describing your problem.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.