Symmes Law Group PLLC
The Symmes Law Group, PLLC assists consumers in ch. 7/ch. 13 bankruptcy, real estate, debt settlement delivering impeccable personal service to all clients, while utilizing technology in order to keep legal fees at a reasonable and affordable rate.
Everett Law Office
Everett Law Offices serves the diverse communities of Kennewick, Grandview and Yakima with efficient and cost-effective advocacy. Our firm takes the charges against you as seriously as you do. We review your case, explore your options and delve into a course of action for the best possible outcome. When you're charged with a crime you want an attorney who is…
James A. Jones Attorney At Law
Personable and responsive, we will always treat you and your family with the compassion and respect you deserve as we work diligently to help you achieve your goals and secure a brighter future for yourself and your family. From this high level of commitment to those we serve, our law firm has received many positive reviews and referrals from satisfied…
Law Office of William R. Walton
Law Office of William R. Walton is a well-established law firm located in Lakewood, WA that provides a wide range of quality, cost-effective legal services to clients all throughout the Pierce County, Washington. We strive to meet the legal needs of our individual clients and their families, and of small businesses, by offering personalized service that allows us to understand…
Law Office of William R. Walton
Law Office of William R. Walton is a well-established law firm located in Lakewood, WA that provides a wide range of quality, cost-effective legal services to clients all throughout the Pierce County, Washington. We strive to meet the legal needs of our individual clients and their families, and of small businesses, by offering personalized service that allows us to understand…
Baxter & Baxter LLP
The attorneys of Baxter & Baxter, LLP, are dedicated advocates for consumers. Baxter & Baxter, LLP, is a consumer protection law firm. The consumer protection lawyers of the Consumer Litigation Group represent individuals in cases with false credit reports, identity theft cases, unlawful debt collection cases, and consumer fraud cases. The lawyers of the Bankruptcy Practice Group represent individuals in…
Caren Sassower Law Offices
We are a debt relief agency in Everett, WA. We help people file for bankruptcy relief under bankruptcy code using Chapter 7 & 13 filings. Everett is a hard working community of dedicated people from military to government to entrepreneurs. We understand Everett and its people. In tough economic times there may be few other choices and even with changes…
Engel Law Group
At the Engel Law Group, our legal team has vast experience in handling bankruptcy cases - you can be confident that if you choose to work with a Seattle bankruptcy attorney from our firm that we will stop at nothing in our efforts to protect your rights. From the very beginning of our working relationship, you will be able to…
Law Office of Aaron Nielson
Bankruptcy and Criminal Defense - Make the right move and talk to an attorney as soon as possible. Know your rights before talking to creditors or the police.
Law Offices of Caren Sassower
The people of Snohomish are resilient and bounce back from hard economic times. We consider ourselves a part of the community and is working to help those who need it. We can help you file for bankruptcy relief under the Bankruptcy Code. We handle Chapter 7 and 13 bankruptcy filings using quick electronic filing. You should know that, even with…
Northwest Debt Relief Law Firm
We offer flat fees, free consultations and simple payment plans that enable you to pay most of your fees after your case is filed.
Northwest Debt Relief Law Firm
Our firm has been helping people with debt problems file bankruptcy in the Vancouver, Washington metro area since 2000. We have made it our business to understand Washington bankruptcy law so that we can help you make smart decisions. We can help you get back on your feet so you can get on with your life.
R. L. Heaton Law Office, P.S.
R. L. Heaton Law Office, P.S. practices all aspects of Bankruptcy Law throughout the Auburn area of Washington. I represent businesses and individuals in matters relating to Foreclosure, Wills & Trusts. Unclaimed: Claim this business
Sheppard Law Office, PC
The Sheppard Law Office, PC assists clients in Spokane, Washington, with filing for bankruptcy. Unclaimed: Claim this business
The Law Office of James H MaGee Bankruptcy Attorney
The Law Office of James H MaGee Bankruptcy Attorney
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Basic Difference Between Bankruptcy Lawyer and Debt Settlement Attorney
While it's common that a bankruptcy attorney is also well-qualified to act as a debt settlement attorney, you should understand an important distinction between the two legal means of resolving debts.
A debt settlement attorney will represent you with your creditors to negotiate a workable payment plan, and perhaps even negotiate a reduction in the total amount you owe. However, the debt settlement attorney will work separately with each creditor. In addition, the creditors aren't obligated to sit down at the table with your debt settlement attorney.
In contrast, if you file for bankruptcy, your bankruptcy lawyer represents your interests before the bankruptcy court. The bankruptcy court does have the power to compel your creditors to participate in the proceeding. You've now centralized all claims against you into a single proceeding. Your bankruptcy lawyer will still be negotiating with your creditors, but now under the supervision of the bankruptcy court.
A challenge to filing for bankruptcy is that it can have legal implications beyond the bankruptcy proceeding itself and is a matter of public record. You may find it preferable for a debt settlement attorney to help you resolve your debt issues privately, especially if you have only one or two major creditors.
A bankruptcy attorney can help advise you whether filing for bankruptcy or working privately is the right option for you.
Sources of Bankruptcy Law
The main bankruptcy laws in the United States are federal laws. If you do file for bankruptcy, you'll be filing in a federal bankruptcy court. A bankruptcy attorney must be admitted to practice in the federal court district where you're located in order to represent you in the bankruptcy court.
In addition, each state does have its own laws that can impact your case, such as homestead exemption laws that determine how you can protect your home during the bankruptcy process.
Basic Bankruptcy Law
The Bankruptcy Code is commonly known by its various chapters, such as Chapter 7 or Chapter 13. Simply put, the chapter under which your bankruptcy lawyer will recommend you file will depend on whether you're filing as an individual or a legal entity. The chapter selection will also depend on whether you want to liquidate your assets to pay off your debts or reorganize your debts into a single payment plan.
Each chapter has its own requirements, so you might only be eligible for one type of bankruptcy. Your bankruptcy lawyer will help determine which chapters are available to you.
The goal of the bankruptcy proceeding is to offer you a fresh start once it's over. This doesn't mean you can avoid paying your debts through bankruptcy, only that your bankruptcy attorney will help you negotiate a manageable resolution.
