Chapter 13 Bankruptcy with the Law Office of Andrew Gebelt

Everett Lynnwood, Seattle Bankruptcy Lawyer 

                    360-563-2777, 425-774-6399, cell 425-398-2778

Chapter 13 Bankruptcy is Designed to Catch Up on Your Mortgage and Radically Write Down Your Other Debts to a Fraction of Their Face Value…

If you do not qualify for Chapter 7, you may consider Chapter 13, a debt consolidation-debt reduction plan that allows you to radically write down the total amount you owe as part of paying a portion of it back. Chapter 13 also stops foreclosure and obtains an order from the Court requiring mortgage lenders to give mortgage borrowers the opportunity to catch up on monthly mortgage payments over a three to five year period, so they can remain in the family home.

Chapter 13 Bankruptcy:

Single = $60 Down = $35 Credit Report + $25 Certificate  

Married=$95 Down = 2 X $35 Credit Reports + $25 Certificate  

Chapter 13 Legal Fee = $2,400 Financed over 36-60 months  

With Total Debt Reduced to as Low as Legally Possible

Andrew Gebelt is a sole practitioner. His areas of practice include:

• 100% Consumer Bankruptcy Law
• Debt Discharge
• Foreclosures
• Garnishment

Mr. Gebelt attained a B.A. with Honors at the University of Washington in 1987 and completed Law School at Seattle University in 2001. Mr. Gebelt then wrote his Bar Examinations in 2002 and 2003 in Washington and New York.

Mr. Gebelt is a member of the Washington State Bar Association and the New York Bar Association.

Andrew Gebelt has been handling chapter 7 and chapter 13 bankruptcies for 10 years and has accumulated the experience and knowledge to manage your bankruptcy case. Mr. Gebelt ensures that each client is treated on a personal and individual basis. Financial stability can be a long, hard road, but everyone deserves the opportunity to start again.

The Law Office of Andrew Gebelt is a debt relief agency looking to help you get your finances in order and reorganize your debt to make it manageable for you to become financially stable again.

For this reason, we provide the skills and knowledge needed to file for bankruptcy to allow you to increase your confidence and help build a better life for you and your family. For a free phone consultation, or if you have a financial issue that needs immediate attention, free feel to contact us today

What Is the Difference Between Chapter 7 and Chapter 13?

                    A major advantage of Chapter 7 is that it eliminates most of your debt in just 90 days. In order to qualify for Chapter 7, you must earn less than the median income for a household of your size. For example, a household of four can file if the income is less than $82,602 per year. However, even if your income is too high, you may still be able to file a Chapter 7 if you can pass the means test. We will work with you to determine if you have enough of the standard offsets and deductions to put you in the category of people who still qualify to file a Chapter 7 even though they earn more than the median income.

If you are under the income level for a household of your size, then income eligibility is almost automatic. However, even if you are over the median income, you may still be eligible to file under Chapter 7 if you have certain standard offsets like high mortgage payments, high car payments, child support payments, or expensive health insurance. We can show you how to qualify using these offsets.

If the court concludes that you make too much, you will be better suited to a Chapter 13 Bankruptcy.

We do the paperwork for you. We do not ask you to do exhaustive paperwork before meeting with you. We also help you obtain your certificate of credit counseling.

Contact Us Today 

                   Call 360-563-2777, 425-774-6399, or cell 425-398-2778 to schedule a free initial telephone consultation with an Everett Lynnwood Seattle bankruptcy attorney. Or contact us via-e-mail. We are glad to answer your questions about bankruptcy and help you make a fresh start.

The law firm of Andrew Gebelt serves client in Snohomish, Seattle, Everett, Lynnwood, Monroe, Marysville, Mill Creek, Mountlake Terrace, Edmonds, Northgate, Shoreline, Lake Forest Park, Kenmore, Bothell, Renton, Alderwood, Kirkland, Tukwila, Mukilteo, Arlington, Kent, South Center, Des Moines, White Center and Burien, as well as King County and Snohomish County.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.