Due to the recent economic downturn, many Seattle residents are finding it difficult to make ends meet, especially after a layoff, divorce or an unexpected medical crisis. If you are struggling with unpaid bills, you may consider filing for Chapter 7 bankruptcy or debt elimination. Chapter 7 lets you eliminate unsecured debts, so you can make a fresh start.
To consult with a Seattle credit card debt lawyer, call the law firm of Andrew Gebelt in Seattle, Washington, for a free initial consultation by phone. We are skilled in helping people sort through their choices in bankruptcy
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 Down + $25 Certificate of Credit Counseling to File = $625
Then After Filing = $306 Filing Fee May Be Paid in 3 Installments + $10 multiple choice test - Married = Total Pre-Filing = $635 Down + $25 Certificates of Credit Counseling to File = $660 Then After Filing = $306 Filing Fee May Be Paid in 3 Installments + 2 X $10 multiple choice tests
We make the difficult process of filing for bankruptcy as easy as possible. We do not expect you to fill out a long and exhaustive questionnaire before reviewing your case. Instead, we do the paperwork for you. We take the time to sit down in person with you and answer all of your questions about bankruptcy as we draft your documents for you. With nearly 10 years as a bankruptcy lawyer, Andrew M. Gebelt has the experience and knowledge to help you through the filing process.
Stopping Creditor Harassment
If you owe money to a credit card company or medical clinic, that credit card company or medical clinic has the right to pursue payment for late or outstanding bills. One of the most difficult issues for clients occurs when they are pursued for money they do not have.
As soon as you file for Chapter 7 or Chapter 13, the court orders your creditors to cease all contact with you immediately. The United States Bankruptcy Court itself mails a Notice of Commencement to all of your creditors and interested parties that you are seeking bankruptcy protection under U.S. Code Title 11, Chapter 3, Subchapter IV, § 362. The Court's order, called the automatic stay, is a temporary injunction ordering all of your creditors to stop harassing you immediately.
Creditors are prohibited from contacting you for payment, stopping by your workplace or hassling you by phone. Creditors are given the name and address of the court-appointed bankruptcy trustee and the date, place and time for the meeting of creditors. If creditors wish to pursue a claim, they may present their case to the court at the meeting of creditors.
If creditors violate the automatic stay, which is a federal mandate, the court may fine the creditor, depending on the seriousness of the wrongdoing.
Your Life After Bankruptcy
After your debts are discharged, you are free to start over, with NO debts. This is a wonderful opportunity to rebuild your life, establish new budget priorities and slowly begin to rebuild credit. You may be able to purchase a new car provided you can afford the monthly payments. Contact us for a free initial consultation by phone at 425-488-0392 or
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
