Frequently Asked Questions

Confused? Work with our Tacoma bankruptcy attorney!

With the abundance of legal jargon swirling around the topic of bankruptcy, it is normal to experience confusion as you consider filing. Will I get to keep my house? What about those nagging student loans? And can someone please explain the difference between Chapter 7 and Chapter 13?

At Washington Fresh Start, we're here to answer all these questions and more. Beginning with a free consultation, we can assess your situation and determine the best way to achieve financial freedom and eliminate debt. Our Tacoma bankruptcy attorney has more than 30 years of experience to put to work for you.

  • 1. What is the difference between Chapter 7 & Chapter 13?

    This is one of the most common questions we hear from our clients. A simple way to understand the difference is to think of Chapter 7 as debt liquidation and Chapter 13 as debt reorganization. Chapter 7 is a quick way to get rid of debt and start over. Chapter 13 is best for those with substantial property, like a house or car, as it allows them to catch up on late payments without losing their property.
  • 2. I was told I have secured debts. What does that mean?

    Secured debts are those that require the backing of collateral. If left unpaid, creditors are then eligible to recover that collateral. Secured debts can also be called liens and can be either voluntary or involuntary, which refers to the way these debts are acquired.
  • 3. Do I have to put up with creditor harassment?

    No! We cannot say this enough – you do have rights and these rights do not disappear simply because you're in debt. The Fair Debt Collection Practices Act dictates the way creditors are required to treat consumers. Banned practices include calling before or after a certain time, abusive language, and posing as law enforcement. An attorney can help protect you from this harassment.
  • 4. Is bankruptcy my only option for debt?

    Many people feel uncomfortable with filing for bankruptcy and look for another alternative. One of the most common is to pursue debt negotiation or a loan modification. Before successfully doing either one, your creditors have to agree with the terms of your arrangement.

  • 5. What happens to student loan debt after I file for bankruptcy?

    Student loans can be one of the most difficult forms of debt to discharge through bankruptcy. Most student loans are only eliminated if you meet the stringent requirements as listed on the government student aid website.
  • 6. Why should I work with an attorney?

    We won't lie – the bankruptcy process can be complicated and hard to understand, particularly if you're filing on your own. Our firm has the experience you need to make the process as seamless as possible, while addressing your concerns along the way. We want to ensure that you don't face unnecessary snares or problematic paperwork.

Your future is on the line! Call our Tacoma bankruptcy attorney to learn more about our services.

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