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Why choose the law office of jason couey?
Life Happens...and the Law Office of Jason Couey Can Help! Since 2003, the Law Office of Jason Couey has helped hundreds of clients through the bankruptcy process. Jason Couey represents folks who need relief from the stressful burden of debt by helping them get a fresh start by filing a Chapter 7 or Chapter 13 bankruptcy. By hiring Jason Couey to be your attorney, and file your bankruptcy case, we can help stop harassing creditor calls, stop wage and bank account garnishments, stop collections, stop home foreclosure, stop law suits, 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.
The first step is to call our office for a free phone or Zoom consultation, or book an appointment for a free phone or Zoom consultation online here:
We help clients file bankruptcy cases who reside in (and the surrounding areas of) Spokane, Spokane Valley, Yakima, Kennewick, Pasco, Richland, Wenatchee, Walla Walla, Pullman, Moses Lake, Ellensburg, Sunnyside, West Richland, East Wenatchee, Cheney, and Grandview. The Eastern District of Washington maintains courtrooms in Spokane, Yakima, and Richland.
A 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.
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.