Many people are underwater these days due to job losses, divorce or unexpected medical bills. If you would like to eliminate unsecured debt through Chapter 7 bankruptcy, but do not know where to begin, call the law firm of Andrew Gebelt in Everett and Seattle, Washington.
Advocating on Behalf of Clients
You do not have to be out of work to file for bankruptcy. We have helped many hard-working people make a fresh start through Chapter 7 and Chapter 13 bankruptcies. Our philosophy is to serve the client well by helping the client prepare the paperwork. We do the paperwork for you. We do not ask you to fill in a long exhaustive questionnaire before making an appointment to meet with you.
Passing the Bankruptcy Means Test in Seattle and Everett
In order to file for Chapter 7 debt elimination, you must meet certain income limits. In Washington state, for example, the annual income for a family of four may not exceed $80,404. If you make more than that, we can look at offsets, which function like deductions on a tax return, such as:
- High monthly mortgage payments
- Health insurance premiums
- Union dues
- Child support payments
With offsets, some clients earn several thousand dollars per year more than the median income, and still qualify for Chapter 7 filing. Attorney Andrew M. Gebelt has helped many clients file for Chapter 7. If you cannot qualify for Chapter 7, you may consider Chapter 13, a debt reorganization plan.
We must prove you do not make too much money to file a Chapter 7 bankruptcy. Too much money depends upon how much money your household averaged during the last six months just before we file your Chapter 7 bankruptcy.
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.
If you are under the income level for a household of your size, then income eligibility is almost automatic. However, even if you are over the median income, you may still be eligible to file under Chapter 7 if you have certain standard offsets like high mortgage payments, high car payments, child support payments, or expensive health insurance. We can show you how to qualify using these offsets.
Contact an Attorney Skilled in Handling Chapter 7
To schedule a free initial consultation with an Everett Chapter 7 Bankruptcy eligibility lawyer, call 425-488-0392 or
Affordable Everett Seattle Bankruptcy Lawyer
For a Chapter 7 bankruptcy, we charge:
- $625 if you are single ($600 service and $25 for a certificate of credit counseling)
- $660 if you are married ($635 service and $25 for a certificate of credit counseling)
All Chapter 7 bankruptcy filings have a $306 filing fee and a $10.00 certificate fee, which can be paid in three installments after the bankruptcy has already been filed. We will help you obtain your pre-filing certificates of credit counseling easily from http://www.abacuscc.org
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
