Bankruptcy Attorney in Kennewick, Washington

If you are facing an insurmountable amount of debt, you may be feeling hopeless and unsure of what to do next. The stress of attempting to stay ahead of financial downfall can hinder your well-being, not only financially, but even emotionally and physically as well. Choosing to file for bankruptcy may seem synonymous with failure. In fact, it is the first step toward achieving financial freedom.

Bankruptcy is not a process that you should navigate alone. With a trusted legal professional by your side, you can make the financial decisions that best fit your lifestyle. I have nearly three decades of experience as a bankruptcy attorney helping countless clients move past their financial hardships. If you are considering filing for bankruptcy in Kennewick or Walla Walla, Washington, as well as throughout Eastern Washington, contact Nicholas George Law Firm PLLC today to set up a free consultation.

Filing for Bankruptcy in Washington

When considering filing for bankruptcy in Washington, you have two options: Chapter 13 and Chapter 7. 

Chapter 7 Bankruptcy involves liquidation. 

  • Exempt property will be determined by using the state list or federal list of bankruptcy exemptions. This property will be protected when you file.
  • Your non-exempt property will be sold to pay back debtors. 
  • This is a good option for clients who have low-income and little to no assets. 

In Washington, you can qualify for Chapter 7 Bankruptcy if your household income falls below the median income of the state of Washington. If your income is higher, then you may still qualify after subtracting allowed expenses.

Chapter 13 Bankruptcy involves reorganization. 

  • You will keep your property and instead, pay back all or a portion of your debts through a repayment plan. 
  • This is ideal for clients who have a regular income and want to keep their assets.

If your income is higher than the limits of Chapter 7, then you will pay into a five-year Chapter 13 repayment plan. You will pay whichever is greater: the amount of dischargeable debt, the value of your nonexempt property, or your disposable income.

As your attorney, I will help you figure out which bankruptcy option you qualify for and we will determine how best to proceed.

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How an Attorney Can Help

Putting the fate of your financial future in the hands of an attorney requires a leap of faith. I understand this. To ensure that every client feels comfortable being transparent and open throughout the legal process, I prioritize building a strong attorney-client partnership. When my clients trust me to make decisions in their best interest, it allows me to collaborate with them when necessary, but also to exercise my full discretion when needed. 

I always advise my clients: if you want to enhance your attorney’s prospect for getting you the best results possible, serve as his co-consult, but let him take the lead. When clients allow me to lead them through the legal process, it gives me the ability to use my analytical skills to strategize not just one plan for their case, but multiple. I am always prepared to handle any obstacles that may come our way. 

When I help you navigate the bankruptcy process, I will take into account the benefits and detriments that every possible solution may have, both now and in the future. Together, we will choose the right path for you that takes all aspects of your life into consideration.

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My diversified approach to problem-solving, and my ability to be pragmatic, professional, and persistent sets me apart from other attorneys. I have the experience and knowledge to seek favorable results, but also the drive to help people get back on their feet. If you are ready to discuss filing for bankruptcy in Kennewick, as well as throughout Eastern Washington, set up a free consultation with Nicholas George Law Firm PLLC today.

Bankruptcy Attorney in Kennewick, Washington

Facing the prospect of filing for bankruptcy can be intimidating and stressful. Don’t do it alone. Working with a bankruptcy attorney can help take some of the weight off your shoulders while you get back on your feet. Contact Nicholas George Law Firm PLLC today to set up a free consultation. I can help you determine which kind of bankruptcy is right for you.