Garnishment, Bankruptcy & Foreclosure
People sometimes ask what's the difference between a "lawyer" and an "attorney?" It's a good question. In the United States, there is no difference between an attorney and a lawyer. The US has a united legal profession meaning that there is no distinction between lawyers who try cases in court and those that do not. However, in most countries, there is…Read More
I meet with over 250 clients a year. Based on my observations, the following are the top 5 Reasons People File for Bankrutpcy Protection: 1. Lawsuit and Pending Garnishment. You got served with a lawsuit for some unpaid bill, didn't do anything about it and got a judgment against you. Now, the creditor is trying to collect by garnishing your…Read More
Most people come and see me about 6 months to a year too late. The reason is because people do not know what their rights are concerning bankruptcy and all the protections it provides. The purpose of bankruptcy is to protect people, allow them to get a fresh start and/or reorganize their financial situation so that they have an incentive…Read More
Here is the classic example of What Not To Do. Client X keeps their checking account and savings account at a credit union. Client X also has a car loan and credit card with the credit union and both have balances. Client X is struggling financially. So, client X "thinks" they are doing the right thing by calling the credit…Read More
Most people are aware that changes have been taking place concerning methods for people to save their homes. A major legal break through has occurred in Chapter 13 "house saver" bankruptcies that will help people in Washington to save their home. Who this law change helps: People that have 2nd Mortgages on their home where the value of their house is…Read More
Some people are under the misimpression that if a creditor reports to a credit reporting bureau that a debt has been "charged off" that the creditor (or assignee of the creditor) can no longer collect on the debt. This is false. The reporting of a "charge off" or the issuance of a 1099 by the creditor does not affect the creditor's…Read More
Foreclosure Fairness Act: Good News for Washington Homeowners who are Struggling to Make Payments on their Homes If you are falling behind on your mortgage payments and afraid of losing your home, you may be eligible for a new consumer-friendly program created by a new law recently passed in Washington state. The new law, known was the Foreclosure Fairness Act,…Read More
Bankruptcy. Chapter 7. Chapter 13. Bankruptcy Attorney Federal Way Auburn Des Moines Tacoma Fife Seattle Bellevue Lake Tapps Bonney Lake Puyallup. In a previous update, we described different ways that a lawsuit can be started against a person: 1. Classic Method: Plaintiff files lawsuit, gets a case number and then serves on Defendant; or 2. Current Method: Plaintiff serves Defendant…Read More
If you have a credit card at a bank where you also have a checking account, you need to be aware of the following important information: The following happened to a client this week: Client X has an excellent credit score with no late payments. Client X has a bank account with a national bank. Client X also has a credit card…Read More
Collection & Credit Card Companies and the Lies They Tell I know this may come as a shock to some, but Credit Card and Collection Companies will tell you "lies" to try to scare you into making a payment they are also down-right rude and insulting on several occasions. Here is the reality....take care of you and your families' needs…Read More