Stop All Lawsuits and Repossession Actions

Costs are rising across Spokane County, and more and more of our neighbors are struggling to catch up. As a result, there's been a rise in creditor actions. If you're facing a creditor lawsuit, repossession, foreclosure, wage garnishment, or any other legal action, you aren't alone. Fortunately, you have legal options to stop these actions and get back on track.

No matter your financial circumstances, legal debt relief is available, and our Spokane attorneys can help you qualify. Contact our Spokane County law offices now to learn more. We'll help you understand what steps to take next.

Creditor lawsuits can ruin your financial future. If you receive a lawsuit notice, you must act quickly. Here's what to do:

1. Review The Lawsuit: Not every lawsuit is legitimate. Check the creditor's lawsuit claims for any errors and confirm they have the right to sue you under RCW 6.04.
2. Don't Miss Your Deadline: You usually have 20 days to respond. Missing this deadline could lead to a default judgment, and you may face further financial consequences like wage garnishments.
3. File Your Answer: You can deny claims or present defenses under Washington State's Civil Rules of Procedure (CR 12).
4. Consider Negotiation: If you can't pay, we can help negotiate a reduced settlement with creditors.
5. Request A Hearing: If you disagree with the legitimacy of the lawsuit, you can request a hearing to present your side.

You don't always have to lose your vehicle if you are facing repossession, but there are steps you must first take to protect your rights, including:

1. Understand Washington State Repossession Law: Under RCW 62A.9-609, creditors can't use force or disrupt the peace to repossess your car in Spokane.
2. Reach Out To Your Creditor: If you're behind, contact your lender. Many are open to working out payment plans or deferring payments to avoid repossession.
3. Consider Refinancing: Sometimes, you can refinance your car loan to reduce your loan payments to a more manageable amount.
4. Voluntary Surrender Option: If keeping up with payments isn't possible, you can voluntarily surrender the vehicle to avoid forced repossession. Voluntary repossession saves money on extra fees and protects your credit rating.
5. Challenge Unlawful Repossession: If the repossession doesn't follow the law, we can help you fight it in court.
6. Explore Secured Loan Options: We can help secure a loan against other assets to help bring your car payments current.

Receiving a foreclosure notice is scary, but there are steps to protect your home:

1. Review The Foreclosure Notice: Make sure the notice is legitimate and that the creditor follows proper procedures under RCW 61.24, Washington State's foreclosure law.
2. Contact Your Lender: Reach out to discuss loan modification or postpone foreclosure through payment plans or forbearance.
3. Know Your Redemption Period: In Washington State, you typically have up to 90 days to stop the foreclosure, depending on the type.
4. Seek Loan Modification: If your lender agrees, you can restructure your loan to lower payments or extend the term.
5. Request Mediation: Under RCW 61.24, you can request foreclosure mediation to negotiate a more manageable solution with your lender.

Losing your income does not help with your debt situation. So when a creditor garnishes your wages, it's important to take the following steps to protect your rights:

1. Check Your Garnishment Notice: Make sure the creditor has a valid court judgment under RCW 6.27.
2. Know Your Exemptions: Under RCW 6.27, creditors cannot garnish certain incomes like Social Security or unemployment benefits.
3. Request A Court Hearing: If you believe the garnishment is wrongful, you have the right to file an objection and request a hearing to challenge it.
4. Negotiate With Creditors: We can help negotiate directly with creditors to reduce the garnishment or set up a payment plan.
5. Seek A Temporary Stay: We can assist in obtaining a temporary stay to stop garnishment while exploring other options, like settling the debt.
6. Take Action To End Garnishment: If a garnishment is unlawful or you've repaid the debt, we can help stop it and recover your funds.

If you're facing financial challenges in Spokane, our local attorneys will help you find legal debt relief. Whether you live in the South Hill area or near the Spokane Valley Mall, our experienced attorneys have your back. We understand the local Spokane court procedures and the unique financial pressures that Spokane residents experience, from small businesses on North Monroe Street to families in Mead. If you're struggling with debt near the Fairchild Air Force Base or dealing with creditor harassment in the Valley, reach out to us.

Call our knowledgeable bankruptcy attorneys today and start your path toward financial relief.

Our Spokane legal team is always available to help. Call us now at our Spokane Valley law offices for your free consultation. We'll get you out of debt for good!