CHAPTER 13 BANKRUPTCY DEBT CONSOLIDATION UNDER THE BANKRUPTCY CODE BANKRUPTCY ATTORNEY SERVING THE GREATER SEATTLE METROPOLITAN AREA SEATTLE - BELLEVUE - REDMOND - SAMMAMISH - ISSAQUAH - RENTON - NORTH BEND KIRKLAND - BURIEN - EVERETT - LYNNWOOD - EDMONDS - KENT - SHORELINE DEBT REORGANIZATION/CONSOLIDATION UNDER THE BANKRUPTCY CODE     Filing for Chapter 13 protection can immediately stop many creditor actions including the Trustee's Sale and foreclosure of your home, repossession of your automobile,  creditor contact and harassment.   This relief will provide some "breathing room" and a true opportunity for you to re-evaluate your circumstances.  Filing for Chapter 13 may allow you to keep your home and automobile and regain your financial balance.     A free attorney consultation is available by calling 425-996-4145  or  206-569-4685 I will personally help you determine whether Bankruptcy is appropriate given your unique circumstances.     Chapter 13 is a form of protected debt consolidation which requires that you make affordable monthly payments to a Bankruptcy Trustee for a period of 36-60 months.    These payments can include debt obligations such as mortgage arrears, car payments, credit cards and even state and federal taxes.    Chapter 13 does not necessarily require full payment to all of your creditors and the Plan payment may be substantially less than you are paying your creditors now.   Chapter 13 gives you one payment that you can afford and protects you from repossessions, garnishments, creditor phone calls and harassment.    If you have regular employment income, your petition for Chapter 13 can usually be filed with little or no money up front.     Attorney's fees for Chapter 13 are generally included in your monthly Plan payment.     Please call for a free attorney consultation.    I will personally take your call and advise you concerning your options and help you decide if Bankruptcy is the answer for you.   If you decide to hire me as your attorney,  I will prepare and file your petition for Bankruptcy and all supporting schedules.   I will also represent you at all required meetings and Court hearings. CALL 425-996-4145 or 206-569-4685 FOR A FREE CONSULTATION EMAIL AT: tom@tomlaw.com GO TO WORKSHEET Thomas K Atwood Attorney at Law PO Box 648 Conway, WA  98238-0648      HOME PAGE