Are you overwhelmed by credit card debt, unpaid medical bills, or personal loans? If you’re struggling to make ends meet and need a fresh financial start, a Chapter 7 Bankruptcy Attorney in Everett can help you explore your legal options and protect your future.
At Lauber Law Group, we provide compassionate, experienced legal support to guide you through every step of the Chapter 7 process.
What Is Chapter 7 Bankruptcy?
Often called a “straight bankruptcy” or “total debt liquidation bankruptcy,” Chapter 7 is a legal option that allows individuals to discharge most unsecured debts. These typically include:
- Credit card balances
- Medical bills
- Personal loans
- Utility bill delinquencies
- Repossession deficiencies
- Old apartment leases or broken rental contracts
- Certain tax obligations
Chapter 7 bankruptcy is designed for people who do not have a high or regular income and who are burdened by large amounts of unsecured debt. If you qualify, this process allows you to eliminate these debts entirely—giving you the opportunity to move forward debt-free.
Why Choose Lauber Law Group?
At Lauber Law Group, our mission is to help you start over financially with dignity and peace of mind. Our team brings over a decade of experience to your case. We know how stressful debt can be, and we are committed to helping you regain control of your financial life.
From your initial free consultationto the day you receive your debt discharge, our legal team stands by your side, communicating with creditors, and ensuring that the process moves as efficiently as possible.
Do You Qualify for Chapter 7?
To qualify for Chapter 7 bankruptcy in Washington, your income must be below a certain threshold. The bankruptcy court will consider your income, expenses, and debt load to determine whether you meet the means test. If you do, Chapter 7 could be the right solution to:
- Eliminate unsecured debt
- Halt creditor harassment
- Prevent repossessions (in some cases)
Debunking Myths about Bankruptcy
One of the biggest fears clients have is the long-term impact on their credit. Many assume bankruptcy will destroy their credit for years, but this isn’t necessarily true. In fact, most clients begin rebuilding their credit immediately after their Chapter 7 discharge. Many of our clients have been able to:
- Get credit card offers within months
- Finance a car within a year
- Buy a home within two years
With help from an experienced Chapter 7 Bankruptcy Attorney in Everett, you’ll receive the guidance needed to repair your credit and avoid common pitfalls post-bankruptcy.
The Filing Process: What to Expect
Most Chapter 7 cases in Washington take between 4 to 6 months from filing to discharge. During this time, your attorney will:
- Review your financial situation in detail
- Prepare and file necessary documents with the court
- Represent you at the creditors’ meeting
- Guide you on steps to protect your assets and rebuild credit
Contact a Trusted Chapter 7 Bankruptcy Attorney in Everett
If you’re struggling with debt and ready for a clean slate, contact Lauber Law Group today. Our experienced legal team will explain your options and help you determine if Chapter 7 is right for you.
Call us now at (425) 355-1502 or visit Lauber Law Group to schedule your free consultation with a leading Chapter 7 Bankruptcy Attorney in Everett.
