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Struggling with debt? Our law firm can help you

Some Washington residents who are facing extreme financial problems can seek relief through filing for bankruptcy. Often a foreclosure can be halted and the family home saved. However, even when that is no longer a realistic possibility, filing for consumer bankruptcy can eliminate the possibility of creditors pursuing collection efforts after a property is lost to foreclosure.

Medical debt can force Washington bankruptcy filings

Despite the passage of the Affordable Care Act, many Washington residents are still mired in medical debt that threatens to bankrupt families who were blindsided by sudden illnesses or catastrophic injuries. Unpaid medical debts were the primary cause of the majority of personal bankruptcies in 2013.

Creditor harassment easier in the digital age

You can run, but you can't hide -- from debt collectors, that is. With the advent of high-tech computer systems, creditors are more likely than ever to have almost instant access to information about Washington borrowers. Used correctly, this information can help establish a positive working relationship between borrower and lender. However, some companies abuse the information and cross into the realm of creditor harassment. Borrowers who are facing financial challenges may not realize that creditors have access to such a vast amount of information. Much of that data is provided by the consumers themselves.

Affordable Care Act not the panacea for medical debt

Even though millions of Americans are now able to access health insurance through the Affordable Care Act, new reports show that the health care plans may still contribute to medical debt because of high deductibles. Those seeking debt relief through lower-end plans, such as bronze or silver options, may find that their deductibles range from about $3,000 to $5,000, costs that may still be burdensome for many Americans. A deductible is the amount of money that must be paid before the insurance begins to cover qualifying medical costs.

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