Bankruptcy

Bankruptcy allows people struggling with debt to get a fresh start.  The most common form of Bankruptcy is Chapter 7, while some people may only qualify for Chapter 13.  We offer a Financial Review Session to determine whether filing bankruptcy is  the right option for you. 

If you are experiencing financial difficulties, you do not have to work through them alone. Living with the burden of overwhelming debt can be an extremely stressful experience. For most people, bankruptcy is not something they wanted to do or had ever considered. However, if bills are spiraling out of control, The Law Office of Jenny Ling, PLLC, can help you get a fresh start.

By representing you in bankruptcy, The Law Offices of Jenny Ling, PLLC, with offices in Seattle and Bellevue, can:

• stop lawsuits
• stop garnishment
• stop abusive creditor harassment
• provide relief from payday loans
• provide relief from credit cards
• provide relief from medical bills
• provide relief from most legal judgments
• help you save your home

We will represent you through the entire bankruptcy process. Together, we can eliminate your debt,  and you can get on track toward your financial well-being.

Automatic Stay

Immediately upon the filing of a bankruptcy petition, your creditors are prohibited from taking any further action against you in most circumstances under Federal Bankruptcy Law.

Chapter 7

Chapter 7 is the most common form of bankruptcy. Filing Chapter 7 allows a person to eliminate debts that are considered dischargeable. To qualify for Chapter 7, you must meet certain income requirements.

Chapter 13

Chapter 13 is known as a “wage earners” bankruptcy, and allows a person to pay back some or all of his or her debts over a 36-60 month period.  To be eligible for Chapter 13, you must have a steady income.

In most cases, a Chapter 13 can stop a foreclosure and help homeowners keep their home. Homeowners who file a Chapter 13 may also have the option of stripping a lien.  This involves filing a lawsuit as a separate action in a Chapter 13  bankruptcy.

 If your license is suspended, Chapter 13 may be your only option.  Once a Chapter 13 petition is filed, your license must automatically be reinstated.  As long as you complete your plan, your license will remain unsuspended.

Do I lose everything?

When filing a Chapter 7 or Chapter 13, we can help you protect:

• A portion of the equity in your home
• Motor vehicles, up to a certain value
• Reasonably necessary clothing, household appliance, household goods and furnishings
• Jewelry, up to a certain value
• Pensions, 401(k), 403(b)
• Tools of the debtor’s trade or profession, up to a certain value
• A portion of unpaid but earned wages
• Public benefits
• Money in a bank account, up to a certain value

• Damages awarded for personal injury

Contact us for an appointment at (206)-859-5098 or complete our Contact Form. 

Pursuant to 11 U.S.C. §528, the Law Offices of Jenny Ling, PLLC is considered a Debt Relief Agency that assists people in filing for bankruptcy.

The information on this website is for informational purposes only. You should retain an attorney to obtain advice regarding any legal issue. The information and use of this website does not create an attorney-client relationship.