Pay most of your attorney and court fees after your case is filed!
Pay Most of Your Fees After Filing
Northwest Debt Relief is likely the only law firm in Seattle that actually allows you to pay most of your attorney and filing fees in monthly installments after your case is filed and after you are fully under the protection of the Bankruptcy Court! Stop garnishments and debt collector calls immediately instead of needlessly waiting around for months on end. Other Seattle Bankruptcy firms offer “installment plans” where they don’t file a thing until your case is completely paid off. We offer the real thing.
Free Help Cleaning Up Your Credit After Your Bankruptcy is Done
About two years ago, we finally realized that our clients were not filing bankruptcy in order to eliminate debt but to really get back in the financial mainstream. We decided at that time to really take a holistic approach to bankruptcy. We realized our clients don’t just want to stop the financial bleeding, they want to participate economically just like anyone else. To that end, we hired a company to help all our clients with lessons and materials to help them really achieve a meaningful fresh start. This service is offered at no additional charge.
While most debts are dischargeable in bankruptcy, there are several exceptions:
Debts incurred by means of fiduciary misconduct, malicious and willful injury, or embezzlement.
Most federal and state income taxes. However, if the taxes are more than three years old, and other criteria are met, some taxes can be discharged in bankruptcy. Some taxes that cannot be discharged in Chapter 7 can be dealt with in a Chapter 13 bankruptcy.
Student loans and other educational debts. While the Bankruptcy Code allows for a discharge of student loans upon the showing of “undue hardship”, that section is construed so narrowly such that it is extremely difficult to discharge student loans in bankruptcy.
Personal injury or death caused to others while driving under the influence of alcohol or drugs.
Debts incurred by fraud such as debts incurred without the intent to repay or debts incurred by use of a false financial statement or other written document.
Criminal fines, criminal restitution and traffic tickets.
I am consistently amazed by how long people hold out before they do file bankruptcy. Most of my clients endure abusive phone calls and make every payment they can toward debts that they have no hope of repaying for years on end before they finally decide to file bankruptcy. Many of them invest tens of hours trying to work out deals with their creditors only to be turned away again and again. In the midst of one of the worst economic downturns in American history, many of my clients still come in blaming themselves rather than the banks that changed the rules in the middle of the game. Still others come in after job loss, divorce or medical emergencies, blaming themselves, as if they could have somehow financially planned for disasters. I guess what I am trying to say is that the decision to file bankruptcy is not one that any of my clients have ever taken lightly or embraced with open arms.