Payday and Money Tree

Payday loans through companies like MoneyTree are perfect when you need them fast. However, not all payday loan providers play fair. Some lenders in Spokane use predatory lending practices, doing things like hiding strict legal terms in the fine print that rack up debt with things like high interest rates, automatic renewals, and excessive fees. Fortunately, we know all of these illicit tactics. After 30 years of protecting your neighbors across Washington State from predatory lenders, we've picked up a thing or two.

Our Spokane attorneys know who the predatory lenders are in town, and we know their tricks. Most of all, we know how to use Washington State and federal law to get you out of their trap. We'll review the terms of your loan agreement and identify any illicit practices. Then, we'll use the law to get you out of debt.

Don't let payday lenders trap you any longer. Call our Spokane County legal team today.

How Can A Spokane Attorney Help You With Payday Loan Debt

If payday loan debt is piling up in Spokane, you're not stuck handling it on your own. Our Spokane-based bankruptcy team, which has over 30 years of combined experience, will help you get real answers and real relief. Here's what we can do to help you take control:

• Review Your Debt: We'll assess your payday loans and other debts to create a tailored plan. Whether bankruptcy or debt settlement is the right solution, we'll find it.
• Stop Creditor Harassment: Predatory payday lenders often harass people who owe money. However, this is illegal under Washington State's Consumer Protection Act (RCW 19.86). Our attorneys will make sure all harassment stops.
• End Wage Garnishments And Collection Activities: If payday lenders are garnishing your wages or pursuing collections, we'll check if their actions are legal under Washington State's Wage Garnishment Law (RCW 6.27). If they're not, we'll work to stop them.
• Examine Loan Terms: We'll review your payday loan contracts for illegal or predatory terms. Washington State's Payday Lending Act (RCW 31.45) limits fees, rates, and loan amounts, and we'll challenge any violations.
• Negotiate Affordable Payments: If bankruptcy isn't the answer, we'll negotiate with payday lenders to lower your debt and set up a manageable payment plan.
• Eliminate Debt From Unauthorized Lenders: If your payday lender does not have proper Washington State licenses under the Consumer Loan Act (RCW 31.04), we can help wipe that debt from your record.

Contact our team of Spokane bankruptcy attorneys to help you find the most effective way to get rid of your payday loan debt for good.

What Are Your Legal Options To Get Rid Of Payday Loan Debt In Spokane County?

You don't have to handle payday loan debt on your own. There are legal options in Spokane County to get them to stop.

• Chapter 7 Bankruptcy: If you're dealing with payday loans, Chapter 7 can be a game-changer. It allows the court to discharge unsecured debts like payday loans, giving you a fresh start (11 U.S.C. § 727).
• Chapter 13 Bankruptcy: If you're eligible for Chapter 13, you can reorganize your debts into a payment plan that's more manageable for your budget. Chapter 13 gives you a chance for long-term relief while keeping your assets safe (11 U.S.C. § 1322).
• Debt Negotiation And Settlement: Working with an experienced attorney, you can negotiate with payday lenders to settle for a reduced amount. Under Washington State's Debt Adjusters Act (RCW 18.28), we ensure that settlements are negotiated fairly and in your best interest.
• Debt Management Plans (DMP): A DMP helps you consolidate multiple payday loans into one payment. Having one payment simplifies your financial obligations, making it easier to get back on track.

You don't have to face payday loan debt alone. Whether you live in downtown Spokane, Spokane Valley, or enjoy the beauty of Manito Park, our team of bankruptcy attorneys is here to help you regain control of your finances. From local events like the Kendall Yards farmers' market to the quiet streets of the West Hills, we know our community. We've helped clients across neighborhoods like Cheney, South Perry, and Garland, and we can help you too. Call us now to schedule your free consultation with our legal team in Spokane.

Frequently Asked Questions (FAQs) About Ending Your Payday Loan Debt
Our Spokane Attorneys Help You Get Relief From Payday Loans

Our Spokane attorneys are ready to fight predatory lenders and put a permanent end to your payday loan debt. Call our Spokane law offices now and speak with our qualified team. We'll review your case for free.

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