The Fresh Start of Bankruptcy
Serving Clients in the North Seattle Area and Throughout the Pacific Northwest
We will help you to be the one that defines your future — not your creditors. If you have become overwhelmed by debt, bankruptcy is an option you can choose to get a fresh start in life. Bankruptcy will stop harassing phone calls, wage garnishment, lawsuits — even home foreclosure. After bankruptcy, you can begin to rebuild your credit and move forward with a clean slate.
As lawyers, we understand better than anyone that bankruptcy is nothing to be embarrassed about. At The Ballard Law Group, we know that there are a series of unfortunate events that lead to bankruptcy for our clients. At the top of the list is an economic recession unseen since the Great Depression. Job loss, a reduction in hours, an illness or injury, and divorce are all common causes of bankruptcy.
We will provide you with a straightforward assessment of your financial situation and help you make an informed decision about whether filing for bankruptcy is in your best interest. We have over 30 years of combined experience in the practice of law. Contact us online or by calling 206-569-4875 (toll free at 866-779-9183) to arrange a free consultation.
Your Options in Consumer Bankruptcy
We assist our clients with the following forms of bankruptcy:
- Chapter 7 bankruptcy allows individuals with high levels of unsecured debt, such as credit cards and medical bills, to completely discharge that debt. We will help you take advantage of state or federal exemptions that will allow you to keep most of your personal assets, including your retirement accounts.
- Chapter 13 bankruptcy is a legal procedure in which the court will restructure your debt into monthly payments. Your remaining debt will be discharged after you consistently make your monthly payment for a three to five year period. This type of bankruptcy is most common for those with houses and other secured assets that the client would like to keep.
Contact us online or by phone to arrange a free consultation with an experienced Washington attorney. We will guide you through each step of the bankruptcy process from beginning to end.