Bankruptcy is an effective legal tool for getting your finances back on track after you've had a hiccup. However, you must qualify before you can file for bankruptcy in Washington State. Further, each type of bankruptcy Chapter has specific qualifications. If you're wondering if you meet the criteria, speak with our bankruptcy attorneys right away. We'll review your financial situation for free and determine if you qualify for bankruptcy relief in Spokane County.
With over 30 years of combined experience handling bankruptcy cases and working with local Spokane courts, our team of attorneys has helped people in neighborhoods from Browne's Addition to the South Hill. Count on us to assist you in determining the right path forward. Whether you're dealing with aggressive creditors or worried about losing your home in the Valley or near Spokane's historic Riverfront Park, we have the local legal knowledge you need.
Contact our Spokane-based bankruptcy law offices now to learn if you qualify.
How Do I Become Eligible for Chapter 7 Bankruptcy in Washington?Courts discharge most of your unsecured debts with Chapter 7 by liquidating non-exempt assets. Under federal law, specifically the Bankruptcy Code (11 U.S. Code § 727), Chapter 7 bankruptcy is available in Spokane if you meet specific financial criteria:
Consider Chapter 13 bankruptcy if you have consistent income and need assistance reorganizing your debts. Under the Bankruptcy Code (11 U.S. Code § 1301), Chapter 13 lets you keep your property while repaying debts through a manageable repayment plan over 3-5 years. Here’s what you need to qualify for it:
If you do not qualify for bankruptcy, Washington State law still provides options. Our attorneys will explore debt relief alternatives like:
Whether you qualify for bankruptcy or not, our knowledgeable attorneys will help you find relief for your debts. Contact our Spokane law offices now to schedule your free consultation.
Our Spokane Attorneys Answer Your Top Bankruptcy FAQsA: We usually give you a good idea during your first consultation. Once we gather your income details, debts, assets, and living expenses, we can determine which chapters you qualify for under federal law and how Spokane courts are likely to handle your case. Our process is simple, thorough, and judgment-free.
A: To file in the Eastern District of Washington (which covers Spokane), you must have lived in Spokane County or elsewhere in Eastern Washington for at least 91 of the last 180 days before filing (per 28 U.S. Code § 1408). If you just moved here, we'll help you figure out whether you need to wait or file somewhere else first.
A: Not necessarily. If you have more assets than can be protected under Washington's exemption laws, Chapter 13 may be a better fit. In Chapter 7, the court may sell non-exempt assets to pay creditors. However, we work hard to protect everything you legally can.
A: Absolutely. Bankruptcy isn't just for people with no money. If you're constantly juggling payments, using credit cards to cover basics, or getting deeper in debt each month, bankruptcy is ideal for you. Spokane's cost of living keeps rising, and even folks with decent jobs can find themselves in financial quicksand.
From calculating the Means Test to protecting your property under Washington State's exemption laws, our Spokane attorneys will handle everything. We'll walk you through your options with zero judgment and complete transparency so you can move forward with confidence. Call our Spokane County law offices to schedule a free consultation with our knowledgeable bankruptcy attorneys.