Roles of The Debtor, Creditors, and Clerk in a Bankruptcy Case

Your bankruptcy case will make much more sense if you know the roles of the people involved, starting with debtor, creditors, and clerk. Understanding the roles in Bankruptcy can be quite confusing, but our attorneys are here to help you through the confusion. The Debtor This is the “person” filing the bankruptcy case. An [...]


Paying Off Important Creditors With Chapter 13 Bankruptcy

Using the Bankruptcy Laws to Your Advantage One of the basic principles of bankruptcy is that you usually can’t favor one debt over your other debts. You can’t except when the law favors that debt for some reason. In various ways, creditors are recognized to be legally different. For example, secured creditors have rights [...]


General Steps During a Bankruptcy Process in Tacoma

Step 1 There are numerous Steps During a Bankruptcy. You usually start the bankruptcy process by meeting with a lawyer for an interview. Most lawyers offer a free consultation. The interview should not really be any less than one-half hour. The lawyer will usually provide you with some forms to fill out. If you [...]


Bankruptcy and Your Co-Signer. What Happens Next?

Through Tacoma bankruptcy, you may be able to and want to pay a co-signed debt. If not, you need protection from that debt and from your co-signer. A friend or relative may have helped you earlier by co-signing a debt for you. But now you find yourself needing relief from all or most of your debts [...]


Can Filing for Chapter 7 Bankruptcy Help with Income Tax Debt?

Discharge Your Other Debts So You Can Pay Your Taxes Ask yourself this one crucial question: if you filed a Chapter 7 case and discharged all or most of your non-tax debts, would that leave you with enough monthly cash flow to enable you to reliably make large enough monthly payments to the IRS/state on [...]


What is an Automatic Stay and How It Can Benefit You

An Automatic Stay is when you file a bankruptcy case creating one of the most powerful tools in bankruptcy—the “automatic stay.” This protective order automatically goes into effect the instant Northwest Debt Relief Law Firm files your case at the bankruptcy court and “stays”—which means stops—all collection activity against you and anything you own. [...]


Chapter 13 Bankruptcy Tools for Your Home Mortgage

Chapter 13 Bankruptcy tools gives you options to help you manage your home mortgage. Chapter 13 involves a flexible payment plan that’s especially helpful with debts you can’t write off, or “discharge.” It can be much better if you own income taxes, child or spousal support, or student loans, for example. Chapter 13 can [...]


Does Bankruptcy Write Off Criminal Fines or Restitution?

Does Bankruptcy Write Off Criminal Fines or Restitution? Bankruptcy does not write off criminal fines or restitution. The “automatic stay,” which stops almost all other collection actions, does not stop any criminal court proceedings. There is a big division in the law is between criminal and civil matters. Criminal law is just one relatively [...]


Should Divorcing Spouses File a Chapter 7 Together?

Divorcing Spouses File a Chapter 7? A “joint case” is one filed “by an individual… and such individual’s spouse.” “Spouse” is not defined in the Bankruptcy Code, but presumably refers to someone who is legally married to the “individual.” So, if you and your spouse are contemplating divorce, you CAN file a Chapter 7 [...]


Who Needs Credit Counseling and Post-Bankruptcy Debtor Education?

Credit counseling and post-bankruptcy debtor education courses must be taken by every individual that files for Chapter 7 bankruptcy or Chapter 13 bankruptcy, with few exceptions.   PRE-BANKRUPTCY CREDIT COUNSELING The pre-bankruptcy credit counseling class includes information on credit counseling opportunities and provides assistance in performing a budget analysis. This consumer bankruptcy counseling is an [...]


FREE BOOK OFFER! (a $29.95 value)

The Benefits of Bankruptcy
You always hear scary things about filing bankruptcy, but the truth is, most people with debt problems benefit from it. This book dispells the myths and tells you how bankruptcy can put you back on the road to financial success.
Written by Tom McAvity, Esq., bankruptcy lawyer


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