Chapter 7 Bankruptcy with the Law Office of Andrew Gebelt

Everett Lynnwood, Seattle Bankruptcy Lawyer  

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

Filing for bankruptcy is never a situation anyone would like to find themselves in, but sometimes it is unavoidable. If you find yourself in this position and have run out of options let the Law Office of Andrew Gebelt of Everett or Seattle Washington help you file a chapter 7 or chapter 13 bankruptcy.

With the Law Office of Andrew Gebelt, you can file for relief under chapter 7 or chapter 13 of the bankruptcy code. Chapter 7 is designed to eliminate your debt over a shorter period of time and Chapter 13 bankruptcy is designed to give you time to catch up on your mortgage payments and reduce unsecured debt while protecting you from other creditors that may be in contact with you.

We will fill out all the necessary forms to file for bankruptcy after you answer some questions about your current income situation and provide us with financial verification.

Chapter 7 Bankruptcy
                    Discharge Your Debts Using the United States Bankruptcy Code…

At the Law Office of Andrew Gebelt, we will help you protect and exercise your rights by filing for bankruptcy protection under Chapter 7 or Chapter 13 of the United States Bankruptcy Code. Contact our offices for a free initial consultation. Andrew Gebelt has streamlined the filing process to make it easier and less costly.

Chapter 7 Fees

• Single = Total Pre-Filing = $600 in two payments ($300 + $300) + $25 Certificate of Credit Counseling to File
• Then After Filing = $306 Filing Fee May Be Paid in 3 Installments + $10 court required multiple choice test
• Married = Total Pre-Filing = $635 in two payments ($335 + $300)+ $25 Certificate of Credit Counseling to File
• Then After Filing = $306 Filing Fee May Be Paid in 3 Installments + 2 X $10 court required multiple choice tests

The Law Office of Andrew Gebelt provides the residents of Everett or Seattle, Washington or the surrounding areas with chapter 7 and chapter 13 bankruptcy services.

Your Rights Under Chapter 7 of the U.S. Bankruptcy Code  

With a Chapter 7 bankruptcy, you get to wipe out most or all of your debts. If you qualify to file under Chapter 7, your unsecured debts will be discharged forever. In most Chapter 7 bankruptcy cases, you can keep your home and car if you can afford to keep making the payments. Otherwise, you can turn them over to the lender and owe nothing.

• Chapter 7 bankruptcy is the short form. In most cases Chapter 7 bankruptcy eliminates your debts in 90-120 days.
• Chapter 7 eliminates most of your unsecured debts -credit cards, old repossessions, medical bills

We must prove you do not make too much money to file a Chapter 7 bankruptcy. Too much money depends upon how much money your household averaged during the last six months just before we file your Chapter 7 bankruptcy.

Maximum Household Income for Easy Chapter 7 Bankruptcy

Chapter 7 Bankruptcy Eliminates Most of Your Unsecured Debts

Chapter 7 Requirements

To prove you are eligible to file a Chapter 7 Bankruptcy, we must show that:

• You have not completed a Chapter 7 with a date of filing under eight years ago, or completed all of the payments in a Chapter 13 with a date of filing under six years ago.
• We must also be able to state that you do not have some very valuable asset like a non-IRA/non-401k stock portfolio, or more than $125,000 in home equity (401k's/IRA's cannot be seized in bankruptcy)
• Your regular net income is less than or barely exceeds your ordinary monthly expenses
• Your total household yearly gross income during the most recent six months was less than the median income for a household of its size. However, the median income test is not set in stone. Even if you are over the median income, you may still be eligible under Chapter 7 if you have certain offsets like high mortgage payments, high car payments, child support payments, or expensive health insurance payments.

With 10 years in the bankruptcy field, Andrew Gebelt has the experience and knowledge to help you through the filing process. Many clients are pleasantly surprised at how stress-free the filing can be. We offer every client a free initial consultation by phone, so you can review your financial situation with a skilled bankruptcy lawyer. We do not ask you to fill in a long, exhaustive questionnaire before making an appointment. Instead, attorney Gebelt will do the paperwork for you. All you have to do is answer the questions and provide needed financial verification such as paycheck stubs, bank statements and income tax filings.

Our goal is to assist you in devising a plan to help you achieve the financial stability you deserve, along with helping you to build confidence to see that you are happy with the decisions you're making about your future. Having to file for bankruptcy does not mean you are not financially savvy; it simply means that you are choosing to be fiscally responsible.

If you live in Everett or Seattle, Washington or the surrounding areas and are looking to know more about the bankruptcy support and services we provide, please 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.