Your Need for Debt Relief Starts Here
Most of our clients have not been financially irresponsible. Many have had a reduction in income, foreclosure, repossessed vehicles, debts assigned to collection agencies, or garnishments. Some clients have spent their savings and retirement in an effort to continue to pay their debts. Some feel embarrassed about even considering bankruptcy. We realize that filing bankruptcy is not a high point in our client’s lives, however no one should be embarrassed about filing bankruptcy. The bankruptcy laws are designed to allow honest debtors a fresh start.
Bankruptcy Can Get You Back on Track
Most people put off contacting us way longer than they should. By the time they contact us many people have spent their savings and retirement in an effort to avoid filing bankruptcy. Some are being affected physically by the stress of the constant collection calls. At the free initial consultation, we will explain how bankruptcy can help you recover financially. Your credit rating may be affected, but a Chapter 7 or Chapter 13 filing can actually put you back on the road to a higher credit score, not to mention a better quality of life.
Qualifying for Bankruptcy is Not Impossible under the New Laws
There was substantial reform to the bankruptcy laws in 2005. From media coverage and rumors many people have come to believe that they cannot file for bankruptcy. However, most people are able to obtain the same bankruptcy relief under the new laws as they could before the change. Most of our clients file Chapter 7. They don’t lose any property, they make no payments to unsecured creditors, and they are done with the bankruptcy about 4 months after filing. Some clients don’t qualify for Chapter 7 and have to file Chapter 13 if they want relief from their creditors in bankruptcy. However, most of our Chapter 13 clients elect to file Chapter 13 because, in their circumstances, there are advantages to filing Chapter 13. Don’t assume that you cannot file bankruptcy, or even what the effect of filing will be, when you can schedule a free consultation to discuss your options.
Who are clients are
The Law Office of Ken Schneider, PS represents individuals and small businesses that need the benefits of bankruptcy protection. Most of our clients live in Snohomish County (Everett, Marysville, Arlington, Granite Falls, Lake Stevens, Snohomish, Monroe, Mill Creek, Lynnwood, Bothell, and Edmonds). But we also represent clients from Island, Skagit, Whatcom, and King Counties.
For more information or to schedule a free 30 minute consultation with an experienced lawyer, please contact us.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.