You have a right to obtain a better financial future by eliminating your debts. Let the Law Office of Andrew Gebelt help you become debt free.
At the Law Office of Andrew Gebelt, we offer clients a free initial consultation by telephone to get their questions answered. If you decide that bankruptcy is right for you, attorney Gebelt will personally meet with you to help you with the paperwork. We do not ask you to fill in a long, exhaustive questionnaire. Instead, attorney Gebelt will do the paperwork for you. All you have to do is answer the questions and provide needed financial verification such as paycheck stubs, bank statements and income tax filings. We offer clients an affordable, streamlined process which may let you emerge from Chapter 7 bankruptcy in as little as three months. With nearly 10 years as a bankruptcy lawyer, Andrew Gebelt has the experience and knowledge to help you through the filing process.
Seattle Chapter 7 and 13 Bankruptcy Attorney
The Law Office of Andrew Gebelt has one important goal in serving clients: to free them from debt, either through Chapter 7 or Chapter 13 bankruptcy proceedings.
What Is the Difference Between Chapter 7 and Chapter 13?
A major advantage of Chapter 7 is that it eliminates most of your debt in just 90 days. In order to qualify for Chapter 7, you must earn less than the median income for a household of your size. For example, a household of four can file if the income is less than $82,602 per year. However, even if your income is too high, you may still be able to file a Chapter 7 if you can pass the means test. We will work with you to determine if you have enough of the standard offsets and deductions to put you in the category of people who still qualify to file a Chapter 7 even though they earn more than the median income.
Maximum Household Income For Easy Chapter 7 Bankruptcy:
- One person $51,671 = $4,306/mo.
- Two people $61,919 = $5,160/mo.
- Three people $69,195 = $5,766/mo.
- Four people $80,404 = $6.700/mo.
- Five people $87,904 = $7,325/mo.
Chapter 7 Bankruptcy Eliminates Most of Your Unsecured Debts
Chapter 7 bankruptcy is the short form. In most cases Chapter 7 bankruptcy eliminates your debts in 90-120 days.
It eliminates most of your unsecured debts -credit cards, old repossessions, medical bills
- Single = Total Pre-Filing = $600 + $25 Certificate of Credit Counseling to File = $625
Then After Filing = $306 Filing Fee May Be Paid in 3 Installments + $10 court required multiple choice test - Married = Total Pre-Filing = $635 + $25 Certificates of Credit Counseling to File = $660 Then After Filing = $306 Filing Fee May Be Paid in 3 Installments + 2 X $10 court required multiple choice tests
If you do not qualify for Chapter 7, you may consider Chapter 13, a debt consolidation-debt reduction plan that allows you to radically write down the total amount you owe as part of paying a portion of it back. Chapter 13 also stops foreclosure and obtains an order from the Court requiring mortgage lenders to give mortgage borrowers the opportunity to catch up on monthly mortgage payments over a three to five year period, so they can remain in the family home.
Chapter 13 Bankruptcy is Designed to Catch Up on Your Mortgage and
Radically Write Down Other Debts
Chapter 13 Bankruptcy:
- Single = $60 Down = $35 Credit Report + $25 Certificate
- Married=$95 Down = 2 X $35 Credit Reports + $25 Certificate
- Chapter 13 Legal Fee = $2,400 Financed over 36-60 months
With Total Debt Reduced to as Low as Legally Possible
Contact Us Today
Call 206-528-1020 or
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
