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Bankruptcy Guidance in Bellingham, WA
Are you feeling overwhelmed by debt? Bankruptcy may offer the fresh start you need, and at Lester & Associates, P.S. Inc. in Bellingham, WA, we're here to guide you every step of the way. With decades of experience, we'll help you understand your options and navigate the process to protect your assets. Whether Chapter 7 or Chapter 13 is right for you, we're dedicated to getting you the relief you deserve.
Ready to explore your options? Contact us today for a free consultation!
Your Options for Bankruptcy Relief
Most individuals use either Chapter 7 or Chapter 13 to file bankruptcy. The goal of both types of bankruptcy is the same -- to protect your assets and to discharge your debts.
To qualify for a Chapter 7 bankruptcy, an individual must past the Means Test. This test looks at your income for the six months immediately before you file and compares your monthly average to the median income for families of the same size in your area. There are a number of twists and turns in this process and successful navigation requires counsel capable of understanding the process.
You can normally keep your house and car in both Chapter 7 and Chapter 13 if you continue to make regular payments on those loans. If you are behind on payments, we can help you develop a plan to bring those payments current.
There are many things to consider when filing either Chapter 7 or Chapter 13. We are here to help you decide which option is best for you.
Get a Fresh Start—Contact Us for a Free Consultation
Take control of your financial future today. Contact Lester & Associates or email us at sherri@lesterandassociates.com for a free consultation. We’re here to help you choose the best path forward.