Understand Your Rights

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Know Your Rights!

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What we can do for you:

  • Start fresh by wiping out your debts or reorganize your payments to make them affordable
  • Stop Wage Garnishment, foreclosure, and repossession
  • Negotiate settlements
  • Arrange for a shortsale of your real estate
  • End harassments by abusive creditors
  • We can electronically file bankruptcy from our office

Our attorneys represent you through the entire bankruptcy process. We understand that this can be an extremely stressful time of your life. To most people, bankruptcy is not something that they asked for and certainly not something anyone wants to repeat. If circumstances beyond your control are preventing you from keeping up with your bills, including a loss of income and medical problems, we can help lift the burden. Take back control of your life.

Under Federal Bankruptcy Law, once a petition for bankruptcy is filed, creditors are required to cease all collection activities, including calling, sending mail, garnishment, foreclosure, and repossessing. Our attorneys have successfully assisted hundreds of clients through the entire process. Bankruptcy law is complex, find out if bankruptcy is right for you.

Fair Debt Collection Practices Act

Take matters to Federal Court. The Fair Debt Collection and Practices Act ("FDCPA") was enacted by Congress and it prevents creditors from engaging in collection efforts that could be seen as oppresive, harassment, and just down right illegal. If you are a victim of unfair and deceptive debt collection, we can help!

Mortgage Mediation

Stop foreclosure and/or negotiate settlements. In July 2011, Washington State passed the Foreclosure Fairness Act, a response to the foreclosure crisis in Washington. The Foreclosure Fairness Act allows homeowners to initiate mediation with the lenders to negotiate work-out options, including a loan modification, to prevent foreclosure. Once a homeowner, through an attorney or counselor, is referred to mediation, lenders must stop foreclosing and attend mediation, which can take 45 days or longer. The law also requires lenders to negotiate in good faith, requiring lenders to hold off on foreclosure until all home rentention options have been explored. Lenders who fail to negoatie in good faith are subject to liability under the Consumer Protection Act. The Foreclosure Fairness Act requires homeowners to speak with an attorney or a counselor before mediation is available. We offer free consultations and provide representation at mediation for distressed homeowners.

If you intend to let your home go, we can negotiate a settlement with the bank to save your credit.