Experienced Chapter 7 Bankruptcy Attorney at Lauber Law Group, PLLC

At Lauber Law Group, we help clients file for Chapter 7 bankruptcy protection. Sometimes referred to as a “total debt liquidation bankruptcy,” or a “straight bankruptcy,” Chapter 7 has generally been used by people who have few assets, but who carry a large amount of unsecured debt like credit cards, medical bills, personal loans, auto deficiencies or monies due from old apartment leases.

Our experienced Chapter 7 Bankruptcy Attorneys at Lauber Law Group are here to guide you through every step of the process. With the right legal support, you can take control of your financial future and work towards a fresh start.

You Can Start a New Chapter

Chapter 7 bankruptcy offers a legal way to wipe out most unsecured debts and start fresh financially. This type of bankruptcy is handled through the Federal U.S. Bankruptcy Court and discharges many common debts, including:

• Credit card balances.
• Medical bills.
• Personal loans.
• Delinquent utility bills.
• Old tax obligations.
• Repossession deficiencies.

With the help of a knowledgeable Chapter 7 Bankruptcy Attorney, you won’t need to repay these debts. However, Child support, recent tax debt, student loans, and certain types of court-ordered damage awards are not dischargeable with bankruptcy, call us for more information.

Most of our clients are able to keep their property when they file for Chapter 7 bankruptcy. However, it is important to be current on vehicle and/or house payments if you want to file a Chapter 7 and keep your property.

Your credit will not be ruined

Many people think that by filing a Chapter 7 bankruptcy, their credit will be ruined for years. This is simply not true! We have a credit based economy, and most of our clients are able to begin rebuilding their credit immediately after their Chapter 7 is discharged. Many of our clients are able to buy a home within two years after receiving a Chapter 7 discharge. A Chapter 7 bankruptcy in Washington takes a relatively short period of time. Most clients receive a discharge within 4-6 months of the date of filing.

A skilled Chapter 7 Bankruptcy Lawyer can walk you through how to rebuild your credit after discharge. Having the right legal guidance makes a significant difference in both the outcome and your peace of mind.

Stop creditor harassment

If you are tired of receiving harassing phone calls from your creditors, you may feel relieved to know that as soon as your Chapter 7 has been filed, your creditors are prohibited by law from calling you. You may refer any calls you still receive to our office, and we will talk to your creditors for you.

We understand how overwhelming and stressful debt can become. If you feel like you’re drowning financially and can’t regain control, Lauber Law Group is here to help. Contact us today for a free consultation with a caring and experienced legal team.

Do you qualify for Chapter 7 Bankruptcy in Washington?

When you do not have a sufficiently high or regular income to enable you to pay off debts, a straight liquidation bankruptcy under Chapter 7 may be the best choice for you. Chapter 7 does provide you the opportunity to avoid almost all of your debts without making any payments on those debts. It also prevents further collection efforts by your creditors. Call us today to see if you qualify.