Washington – Chapter 13

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The Phantom Bankruptcy Discharge for the Washington Non-filing Spouse

A little known secret about bankruptcy in Washington is that you can get most of the benefits of a bankruptcy discharge even if your spouse filed and you don’t. This is so because of Section 523(a)(5) of the bankruptcy code, a little known provision that applies to a bankruptcy discharge in a community property state. [...]


Buying a Car Before Filing a Chapter 13 Bankruptcy in Washington

In the state of Washington, your Chapter 13 Plan Payment may be largely dictated by how you fare on the Means Test. In simplest form, the completion of the Means Test calculation determines how much you can afford to pay back to your unsecured creditors. This number is derived by taking a six month total [...]


Keeping the Hummer in Chapter 13 Bankruptcy

Until very recently Chapter 13 bankruptcy trustees in both Oregon and Washington would often object to Chapter 13 plans containing proposals to pay off "luxury items," such as RVs, boats, high end motorcycles and the like in full while paying little or nothing to unsecured creditors. Trustees would describe such plans as being made in [...]


What is a Chapter 13 Bankruptcy Plan?

The Bankruptcy Code mandates that every Chapter 13  bankruptcy filing include a plan. In essence, a Plan is a summary sent to your creditors that lets them know how much you intend to repay and how long you are going to take to do it. If you have filed a Chapter 13 bankruptcy and you don’t [...]


Protecting Your Tax Refund in a Washington Chapter 7 Bankruptcy

In the first few months of any given tax year, families across Washington eagerly wait for their tax refund checks to come back in the mail. For many Washington families, the whole refund process is really used as a savings device to get the money together to cover large out of pocket expenses that cannot [...]


Filing For Chapter 13: Crunching the Numbers

When you decide to file for Chapter 13 bankruptcy, you may be wondering what kind of payments you should expect. This is usually determined by a complication series of calculations that take into account your debts, assets and income. But although there’s no simple answer to this, there are a few things to keep in [...]


Little-Known Expenses That Could Affect Your Bankruptcy Case

We’re all familiar with the types of debt associated with bankruptcy. Credit card bills come to mind, along with mortgage payments, student loans and car payments. Whether or not they can be discharged during the process, those who file are at least aware that they will be a factor. But not all expenses are as [...]


Work and Debt Collectors: What’s Okay and What’s Not

We’ve talked a lot in past posts about certain not-okay behaviors by creditors looking to collect. One of the major assets they utilize is embarrassment; they know the nature of human curiosity, and they’re often not afraid to capitalize on it. While this is annoying and stressful at home, it can be even worse at [...]


When Debt Collectors Attack: Calling Neighbors and Friends Edition

Debt collectors can be pretty aggressive when they’re in pursuit. In past blogs, we’ve discussed several practices that have been specifically banned by consumer protection legislation. In many cases, the law is on your side. One of the most sneaky ways a collector gets to a debtor is through an acquaintance. It’s a tactic that [...]


Personal Bankruptcy: What it Means For the Small Business Owner

Going through personal bankruptcy is scary enough. When you’re a small business owner, there’s even more at stake. You may be wondering what will happen to your business if you’re forced to declare bankruptcy. There are several possible answers to this question, and it varies case to case. But it does largely depend on the [...]