Credit card debt builds so fast that you don't even notice sometimes. That's because credit card companies often use fine print to hide high APRs, hidden fees, and rollovers. Worst of all, once they trap you in debt, it's almost impossible to get out of it.
Fortunately, though, there is help to get out of credit card debt for our neighbors across King County. Legal debt relief programs can help you reduce or dismiss your credit card debt for good. Further, Washington State laws like the Washington Consumer Protection Act (RCW 19.86) and Washington Collection Agency Act (RCW 19.16) protect you from illicit practices hidden in the fine print.
Our attorneys in Bellevue will help you access legal debt relief and get you out of credit card debt for good. Further, we'll protect you from any illicit collection practices and safeguard your rights. Contact our Bellevue law office now and schedule a free consultation with our skilled lawyers.
What Are My Legal Options To Get Out Of Credit Card Debt In Washington State?Residents of Bellevue can get out of credit card debt for good, thanks to several legal options. Whether you're trying to reduce what you owe, stop collection calls, or protect your assets, our Bellevue credit card attorneys can help. Here are some of the credit card debt relief options we will explore:
Whether you choose bankruptcy, settlement, or structured repayment, our King County debt relief attorneys will help you overcome credit card debt for good.
What Do I Do If A Credit Card Company Is Suing Me In Bellevue, WA?If a credit card company is suing you in Bellevue, Washington State, time is not on your side. You will need to act fast. Here's what to do:
Our attorneys live and work right here in Bellevue, in the heart of King County. We've helped clients all across the city, including those living in Bridle Trails, Somerset, Newport Hills, Eastgate, Lake Hills, and West Bellevue. We know the roads around Factoria Mall, the process at the Bellevue District Courthouse, and the kind of financial pressure many face working in or around Downtown Bellevue, Overlake, and the BelRed corridor. Whether you're near Bellevue College, walking trails at Kelsey Creek Park, or working at a tech company off NE 8th Street, we're close by and ready to help.
Frequently Asked Questions (FAQs) About Your Credit Card Relief Options In Bellevue, WAA: Absolutely. If a creditor gets a judgment against you in King County Superior Court, they are legally able to garnish up to 25% of your net wages under RCW 6.27.150 and RCW 6.27.140(1)(b). Bankruptcy under 11 U.S.C. § 362 or fast legal settlement can stop that garnishment immediately.
A: Not without a court order. Under RCW 6.27.005 through 6.27.290, they must first sue you and win a judgment. Then, they can serve a writ of garnishment to your bank and legally freeze your funds.
A: No. Credit card debt is civil, not criminal, so you can't be arrested just for owing money. However, if you ignore a court summons or skip a debtor's exam ordered under RCW 6.32, the court could issue a bench warrant for failure to appear.
A: Yes. However, in Washington State, there's a six-year statute of limitations under RCW 4.16.040 starting from the date of your last payment or charge. If the debt is older than that, we may be able to file a motion to dismiss based on time-barred claims.
A: In Washington State, if you co-signed or are listed as a joint account holder, you're fully liable for the debt. Creditors are allowed to collect the full balance from you even if you never used the card, as stated in the Washington State contract law and the Uniform Commercial Code.
A: Yes. We can negotiate a post-judgment settlement and, in some cases, file a motion to quash the garnishment under RCW 6.27.160 or eliminate it entirely through bankruptcy protection under 11 U.S.C. § 362(a).
A: They may be bluffing. Under the Washington State Collection Agency Act (RCW 19.16.250(16)) and the federal FDCPA (15 U.S.C. § 1692e(5)), it's illegal for collectors to threaten lawsuits they don't intend to file. We can call their bluff or prepare to fight back.
A: Ten years under RCW 6.17.020, and courts can renew it for another ten. That means a judgment can follow you for up to 20 years unless you settle it, discharge it in bankruptcy, or challenge its renewal.
You can legally get out of credit card debt in King County. Call our Bellevue law office now for a free, confidential consultation. Let's protect your income, stop the harassment, and build a plan to end your credit card debt for good.