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Seattle Bankruptcy Law Blog

Common questions about wage garnishment

If you have been avoiding paying certain debts in the state of Washington, you may be concerned about becoming subject to wage garnishment provisions. Many people have misconceptions about wage garnishment, and as a result, they imagine that they will be left without any salary at all, even after they have completed honest work.

If you are at risk of being subject to wage garnishment, it is important that you understand how the procedure works. The following are some of the most frequently asked questions regarding wage garnishment in the state of Washington.

Understanding the federal laws on bankruptcy exemptions

If you are considering filing for bankruptcy in the state of Washington, you may be concerned about having to face a decrease in quality of life and losing the assets that have sentimental value. While the process of bankruptcy is something that takes determination and sacrifice, it usually helps people far more than it hinders them.

It is important that you take the time to understand where federal law stands in regard to bankruptcy exemptions. This will help you learn more about what assets you can keep throughout the entire bankruptcy process.

How to manage your late credit card payments

The new calendar year is a chance for all of us to get a fresh start and do the things that we have been delaying for the past few months. One issue that many of us are guilty of ignoring during the festive season is our finances. Many of us promise ourselves that we will face our unhealthy looking finances in the new year, and meanwhile we shop with abandon.

If you have missed scheduled repayments on your credit card, it is important that you face this problem now. The longer you choose to ignore these late repayments, the longer it will take you to gain back control over your finances.

When is a Chapter 7 bankruptcy filing the best option?

The holiday period can put many people in a financial strain. If you were already struggling with accumulating debts, the pressures of the festive season can bring even more financial burdens that could be enough to put you in a desperate situation. The new year is a time for fresh starts and new habits, and this can include dealing with your stressful financial situation.

If you feel overwhelmed with your debts in the state of Washington, it is important that you do not ignore the problem, because this can lead to serious consequences. Instead, you should look into the possible solutions for you. Filing for Chapter 7 bankruptcy has helped millions of people in the United States get free of their debts.

Standing up for my rights as a debtor

If you are struggling with debts in the state of Washington, it is likely that you will be subject to a significant amount of communication from creditors and debt collectors. It is true that creditors do have certain rights to attempt to gain back assets that they are owed. However, they can be guilty of crossing a line when they start to harass debtors.

If you believe that you are suffering from debtor harassment in Washington, it is important that you take the time to understand the law. There are many legal regulations to protect you, but in most cases, you have to take action in order to benefit from them.

Can I stop wage garnishment by filing for bankruptcy?

If you have acquired debts that have resulted in wage garnishment, this can be a very demoralizing experience. Being subject to wage garnishment can make you feel as though you are working only to keep your head above water, and it can feel impossible to have a good quality of life with the wages that you are left with.

In addition, wage garnishment can mean that you acquire even more debt due to your need to take out loans or use credit cards in order to finance your living expenses. This can lead to a vicious cycle. If you are stressed with overwhelming debts and wage garnishment, it is important that you do not bury your head in the sand, and that you learn how to take action.

Benefitting from bankruptcy exemptions in Washington state

Dealing with debts can lead to a great deal of stress in your day-to-day life. You may wonder how you will ever get through your financial hardships because you cannot see any viable option in regard to paying off your debts. If you feel like you are in a hopeless situation in relation to your accumulated debts, you might want to consider the ways that filing for bankruptcy could benefit you.

Many debtors simply do not realize the ways that bankruptcy can help people get out of a difficult situation. This is often because private debt advisors are slanderous about bankruptcy because they want debtors to work with them instead of file. The fact of the matter is that bankruptcy exemption policies are drawn out by the government to help residents of Washington get relief from their debts.

How credit card debt can be bad for your health

It's common knowledge that nobody wants to rack up credit card debt. But, just how bad is it? Can credit card debt affect your health? Some say it absolutely can affect your health, while others aren't too worried about what the debt will do to them in the long run. Today, we will take a look at the different ways credit card debt can negatively impact your health.

A survey conducted by NerdWallet found that two in five consumers who have credit card debt said it affected their happiness. The same survey found that one-third of consumers suffered a negative impact on their standard of living because of credit card debt and one in five consumers said the debt had an impact on their health.

The tangibles your bankruptcy attorney must have

Have you ever wondered what it is that makes a bankruptcy attorney so special? Many people think that they can simply hire any bankruptcy attorney and wind up in a good spot when they file for bankruptcy in Washington. This cannot be further from the truth. When you are thinking of filing for bankruptcy the attorney you choose must have the following tangibles.

The bankruptcy attorney you choose should be a bankruptcy expert, not just an attorney who practices bankruptcy law every now and then. Being an expert in bankruptcy will make it easier for the attorney to explain the law and build your case so you can feel confident when you file.

Tips for dealing with medical debt

It doesn't take much for a person to go into debt because of medical bills. Car accidents, illnesses or other injuries can all lead to hefty medical bills that can put a person in debt or further in debt in an instant. Today, we will provide some tips for you to deal with medical debt so you can begin to regain your financial freedom.

Never ignore the medical bills when they arrive in your mailbox or email inbox. Ignoring the bills will not make them disappear. The companies will not stop sending bills to you if you fail to pay them. Be sure to double check what came in the mail because sometimes it could simply be an explanation of benefits, which is not a bill that needs to be paid.

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