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Bankruptcy Lawyer Reviews for Jason Couey

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Why choose the law office of jason couey?

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Jason Couey has helped hundreds of clients through the bankruptcy process since 2003. Our office can help stop harassing creditor calls, stop wage and bank account garnishments, stop collections, stop home foreclosure, and stop law suits. We can also help you get rid of credit card debt, medical bills, pay day loans, personal loans, and many other debts that are weighing you down and stressing you out. 

 

When you call our office, you will speak directly with Jason Couey about your individual legal needs. Jason's wife and legal assistant, Kate, can also help you with any general questions you may have about the process. CALL FOR AN "ON DEMAND" FREE CONSULTATION NOW. (509) 326-5160.

On Demand consultations are provided on an "as available" basis if Mr. Couey does not have a current appointment or is on the phone already. Available during working hours. 

We help clients in the Eastern District of Washington who reside in the counties of Adams, Asotin, Benton, Chelan, Columbia, Douglas, Ferry, Franklin, Garfield, Grant, Kittitas, Klickitat, Lincoln, Okanogan, Pend Oreille, Spokane, Stevens, Walla Walla, Whitman, and Yakima County. The Eastern District of Washington maintains courtrooms in Spokane, Yakima, and Richland.

Chapter 7 Bankruptcy is the most common case I file for clients. Filing a Chapter 7 Bankruptcy is used to “discharge” aka "get rid of" unsecured debt, such as credit card debt, medical bills, pay day loans, personal loans, collections, and most judgments that have resulted from a law suit.  A Chapter 7 Bankruptcy can stop harassing creditor calls, stop collection letters, stop lawsuits, stop wage garnishment, stop  bank account garnishment, and prevent automobile repossession and home foreclosures. However, if you need to get caught up on mortgage payments or automobile payments, a Chapter 13 Bankruptcy may be the better option.

In a Chapter 7 Bankruptcy, the likelihood that you will have to sell any property to pay creditors is extremely low. Most filers keep everything that they own. However, on the small chance that you have property that cannot be claimed exempt by the bankruptcy laws, you may file a Chapter 13 Bankruptcy, which will allow you to keep all your property and protect it from creditors.

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There are three primary reasons why you may want to file a Chapter 13 Bankruptcy:

 

1) Your house is in foreclosure and you want to save your house. A Chapter 13 Bankruptcy allows you to keep your house by making the monthly mortgage payment while also paying the mortgage arrears (back mortgage payments) over the course of 36 to 60 months.

2) You have filed a Chapter 7 Bankruptcy within the last 8 years. If you filed a Chapter 7 Bankruptcy in the last 8 years, you cannot file another Chapter 7 Bankruptcy. You may file a Chapter 13 Bankruptcy with the benefit of the discharge if it has been 4 years since your Chapter 7 Bankruptcy was filed. However, if the main reason for filing a Chapter 13 is to get caught up with your back mortgage payments and/or stop a foreclosure, you can still file a Chapter 13 Bankruptcy rather than receiving a discharge of your unsecured debts.

3) You make too much gross income to file a Chapter 7 Bankruptcy. How much income is too much? It depends on the gross income you earned the 6 months prior to the month you intend on filing your case. There are many factors that go into determining whether you make too much gross income to file a Chapter 7 Bankruptcy, so calling our office about this determination is very important.

the bankruptcy process 

Give us a call for a Free Bankruptcy Consultation at (509) 326-5160 or set a specific date & time for a Free Phone Bankruptcy Consultation, or Free Zoom Bankruptcy Consultation by clicking here: 

 

 

AFTER FIRST CONSULTATION: You received a packet through the mail or e-mail that contains a 1) Check List of Documents Needed; 2) Online Credit Counseling Provider(s) Pamphlet(s); 3) Bankruptcy Questionnaire Form; 4) Bankruptcy Disclosures; 5) Bankruptcy Information Sheet; and 6) The Attorney Fee & Retainer Agreement.

 

1) Checklist of Documents Needed: I need everything on this list that applies to you. The most important documents I need are proof of income from employment (if employed) in the form of pay stubs and/or a printout of the gross income (with deductions) you received the 6 months prior to the date of your 2nd appointment. Why? Because I need to file the pay stubs you received the 60 days prior to the filing of your case with the court, and I need to show the court how much income you earned from employment the 6 months prior to the month your case was filed.

 

I also need to provide the court with your last filed tax return and let the court know how much gross income you have earned the 2 years prior to the filing of your case and the year-to-date income for the year in which you are filing.

 

2) Online Credit Counseling: This credit counseling can be done online, or over the phone. It takes at least an hour to complete the credit counseling online. The credit counseling consists of some reading and you providing information about your financial situation to the credit counseling provider. Once you have completed the hour of online counseling, you must next communicate with a credit counselor either through e-mail, or over the phone. Once you have communicated with a credit counselor, you will be e-mailed a Certificate of Credit Counseling. You should be able to enter my information so I can receive the Certificate of Credit Counseling as well. This certificate is filed with your case. You cannot file bankruptcy without this certificate in most circumstances.

 

3) Bankruptcy Questionnaire Form: This form needs to be filled out prior to our 2nd appointment. I will go through the questionnaire form with you over the phone or in person, so if something on it needs clarified, you can leave a question blank, and I will go over the question with you over the phone or at my office.

 

4) Informational Disclosures: This is for informational purposes. Please read. Sign and date the last page.

 

5) Bankruptcy Information Sheet: This information sheet is required reading. Please read. The court will ask you whether you read and received this information sheet, and your answer must be, “Yes.”

 

6) Attorney Fee & Retainer Agreement: Please read. Please initial each page, then sign and date the last page. I will sign and date the agreement when I get it back from you. I will make a copy of this agreement for my records and provide you with the original or a PDF copy by email for you to retain.

 

Once you have gathered all the documentation that applies to you on the Checklist of Documents Needed, filled out the Questionnaire Form, signed the Informational Disclosures, signed the Fee Agreement, and read the Bankruptcy Information Sheet, you can retain my services and deliver all the documents I need to me.

 

Ways to Pay Retainer: Fees and Costs may be paid with cash, personal check, cashier's check, money order, Venmo, Zelle, or Cash App.

RETAINING MY SERVICES

           

Time is precious. Money is hard to come by. And I want to save you (and me) both time, and money. For me to pass savings on to you, I now offer alternate ways of processing a bankruptcy. When you deliver your paperwork to me (see options below), you will be retaining me as your attorney to represent you through the bankruptcy process at that time.

 

Please see the Attorney Fee & Retainer Agreement. I can accept the retainer fee with 1) Cash; 2) Cashier’s Check; 3) Money Order; 4) Personal Check 5) Zelle; 6) Venmo; or 7) Cash App.

 

CHOICE #1 – MAIL, FAX, and/or EMAIL THE PAPERWORK TO MY OFFICE:

If you decide to mail all the paperwork to my office, please mail it to “Law Office of Jason Couey, 1312 N. Monroe St, Suite 232, Spokane, WA 99201.”  I will retrieve the paperwork from my office once it is delivered. I will call you shortly after the paperwork is delivered.

 

If you decide to email the paperwork, please try to email the paperwork as PDF documents. Email the documents to jason@jasoncouey.com I will call you shortly after I receive the documents.

 

If you decide to fax the paperwork, please fax them to (509) 362-9444. I will call you shortly after I receive the documents.

 

Before I call you on the phone, I will download and email you your bankruptcy credit reports from ExperianEquifax, and Transunion. The reports provide a liens and judgments report, eight-year bankruptcy search, credit score, post-bankruptcy credit score predictor, a list of your creditors, bankruptcy-specific addresses, account numbers, and approximate amount of debt owed to each creditor. I will also scan and email you copies of everything you signed and dated, go through the questionnaire form with you over the phone (or Zoom if desired), and give you legal advice concerning your case.

 

After our phone, or Zoom call, I will prepare your case file, and once our office has completed a draft of your file, I will have you review the case file prior to filing your case. I will e-mail the draft of your case file for review and signing through a legally binding electronic signature gathering company called Foxit Esign I will have tabs where you can initial and places for you to sign electronically with the click of a mouse or tap of your finger. If everything on the draft looks good and there are no errors or omissions, I can file your case electronically with the court.

 

 

CHOICE #2 – DROP THE PAPERWORK OFF AT MY OFFICE:

If you decide to drop off all the paperwork at my office, located at 1312 N. Monroe St, Spokane, WA 99201 (parking behind the building), the receptionist will let me know that you dropped by, and I will retrieve everything from the receptionist. Before I call you on the phone, or Zoom if preferred, I will download and email you your bankruptcy credit reports from ExperianEquifax, and Transunion. The reports provide a liens and judgments report, eight-year bankruptcy search, credit score, post-bankruptcy credit score predictor, a list of your creditors, bankruptcy-specific addresses, account numbers, and approximate amount of debt owed to each creditor. I will also scan and email you copies of everything you signed and dated, go through the questionnaire form with you over the phone, and give you legal advice concerning your case.

 

After this appointment, I will prepare your case file, and once our office has completed a draft of your file, I will have you review the case file prior to filing your case. I will e-mail the draft of your case file for review and signing through a legally binding electronic signature gathering company called Foxit Esign I will have tabs where you can initial and places for you to sign electronically with the click of a mouse or tap of your finger. If everything on the draft looks good and there are no errors or omissions, I can file your case electronically with the court.

 

 

CHOICE #3 - IN PERSON APPOINTMENT (additional charge of $100.00):

If you want an in-person appointment, there is an additional charge of $100.00 in addition to the quoted attorney fee on the Attorney Fee & Retainer Agreement. There is an additional charge for in person meetings because of the additional time involved, and costs associated with in person meetings.

 

If you choose to meet in-person, I will meet with you to go over the paperwork provided to you after the first consultation. The in-person appointment takes approximately 1 to 1 ½ hours. During the appointment, I will download and email you your bankruptcy credit reports from Experian, Equifax, and Transunion. The reports provide a liens and judgments report, eight-year bankruptcy search, credit score, post-bankruptcy credit score predictor, a list of your creditors, bankruptcy-specific addresses, account numbers, and approximate amount of debt owed to each creditor. I will also make copies of everything you signed and dated, go through the questionnaire form with you, and give you legal advice concerning your case.

 

After this appointment, I will prepare your case file, and once our office has completed a draft of your file, I will have you review the case file prior to filing your case. I will e-mail the draft of your case file for review and signing through a legally binding electronic signature gathering company called Foxit Esign I will have tabs where you can initial and places for you to sign electronically with the click of a mouse or tap of your finger. If everything on the draft looks good and there are no errors or omissions, I can file your case electronically with the court.

 

 

AFTER I FILE YOUR CASE:

After I file your case, I will email you a pdf copy of the Notice of Chapter 7 (or 13) Bankruptcy Filing. The Notice of Chapter 7 (or 13) Bankruptcy Filing will also be mailed to your mailing address. I will request bank statements from all bank accounts that you had open on the date of filing your case at that time. The details of the time frame for the statements needed will be in that e-mail I send you about 1 to 2 days after I file your case.

 

THE MEETING OF CREDITORS

About a month after your case is filed, I will prepare for and join you at the Meeting of Creditors. Due to the Covid-19 pandemic, the Meeting of Creditors currently takes place by telephone rather than in person at the Federal Building. The date, time, telephone number and access code for the meeting will be mailed to you by the Bankruptcy Court about a week after your case is filed. Our office will also email you a copy of the same Bankruptcy Notice the court mails you with all the information you will need to prepare you for the meeting.

 

BEFORE, OR WITHIN 60 DAYS AFTER THE MEETING OF CREDITORS:

 

  • Personal Financial Management Course -

During the period after your case is filed, you need to complete a Personal Financial Management course also known as a Debtor Education Course. The course can be done online or over the phone. The course takes 2 hours to complete. Upon completion, you will receive a Certificate of Completion, which will likely be emailed to me from the provider of the course. I will remind you of the requirement to take the course after I file your case. If you do not take the course, I will make sure you know to complete it before your case closes. You are required to complete this course before your case closes, otherwise, you will not receive the benefit of the Bankruptcy Discharge.

 

  • Reaffirmation Agreement(s) -

If you have a car loan or mortgage loan, the lender will likely e-mail or mail me a reaffirmation agreement. My Attorney Fee & Engagement Agreement, Disclosures, and Information Sheet all discuss Reaffirmation Agreements. I will walk you through this process if it applies to you and your case.

 

  • Pay the Balance of Your Filing Fee if the Whole Amount was Not Paid at Filing -

If you chose to pay your filing fee in monthly installments at filing, you will have a balance owed to the court after your case is filed. The court requires that you pay the filing fee balance within 3 months after your case is filed. You can pay the balance to the court online or through the mail in the form of cashier’s check or money order. The court will provide you with a schedule of when payments are due and how to make the payments.

 

THE DISCHARGE ORDER AND CLOSING OF YOUR CASE:

Approximately 90 days after your case is filed, and if you have done everything required that applies to you as discussed above, you will receive the Bankruptcy Discharge Order. Shortly after the Discharge, your case will close. Once you receive the Discharge Order, I will email you a PDF copy of the Order and let you know that your case Discharged. A paper copy of the Discharge Order will also be mailed to your mailing address and to all your creditors/notice parties. Your creditors will be put on notice that you received the discharge of all your legally dischargeable debts.