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Jason Couey has helped hundreds of clients through the bankruptcy process since 2003. You will receive quality legal representation with an attorney that is committed, empathetic, and genuinely concerned about your needs when you choose our office. When you call us, you will speak directly with Jason about your particular legal needs. Jason's wife and legal assistant, Kate, can also help you with any general questions you may have about the process.
When life happens...the Bankruptcy Law Office of Jason Couey can help!
We help clients in the Eastern District of Washington who reside primarily in Asotin County, Ferry County, Garfield County, Lincoln County, Pend Oreille County, Spokane County, Stevens County and Whitman County.
For a Free Bankruptcy Consultation or a Second Appointment to File Bankrupty, Click Below.
A Chapter 7 Bankruptcy is the type of bankruptcy that 98% of the clients that I represent file. Filing a Chapter 7 Bankruptcy is used to “discharge” unsecured debt that a person may owe to creditors, such as credit card debt, medical debt, pay day loans, personal loans, collections, and any judgments that may have resulted from a law suit for debt owed on unsecured debts. A Chapter 7 Bankruptcy will stop creditor calls, collections, lawsuits, wage garnishment, bank account garnishment, automobile repossession, and home foreclosures. However, if you want 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. The odds are that you will keep everything that you own. I would say that 99.5% of the clients who file a Chapter 7 Bankruptcy through our office do not have to sell any of their property to pay creditors. However, on the off 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.
A Chapter 7 Bankruptcy typically lasts 90 days from the filing of your case. Although the fact that you filed a Chapter 7 Bankruptcy may appear on your credit reports for up to 10 years, you may still likely finance an automobile after your Chapter 7 Bankruptcy is filed. You may also finance a house 2 years after your Chapter 7 Bankruptcy closes if you have not had a previous home foreclosure within 5 years.
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 keep 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.
how do you start?
Below is an overview of the steps our office takes to help you file for bankruptcy. More information can be found above under the bankruptcy heading, including information on Chapter 7 bankruptcy, Chapter 13 bankruptcy, the fees and costs associated with filing for bankruptcy, and frequently asked bankruptcy questions and answers.
THE FIRST APPOINTMENt: Jason will have a free consultation with you over the phone (or Zoom) to discuss your financial situation and suggest solutions to issues that need addressed prior to filing a bankruptcy. You may not need to file bankruptcy or it may not be the correct decision for your circumstances. If bankruptcy is the right decision for you, the steps involved with filing your case will be discussed and the paperwork to get started on your case will be explained and provided to you. This initial meeting is FREE of charge and usually lasts a 1/2 hour.
THE SECOND APPOINTMENT: Jason will meet with you to go over the paperwork provided to you at the first consultation appointment. He will also download and provide you with your bankruptcy credit reports from Experian, Equifax, and Transunion that will show a list of your creditors, their addresses, account numbers, and the approximate amount of debt owed to each creditor. After this appointment, we will prepare your case file, and once our office has completed your file, we will have you review the case file prior to filing your case and have you sign the paperwork where necessary before filing your case electronically with the Bankruptcy Court.
THE MEETING OF CREDITORS: About a month after your case is filed, Jason Couey will prepare for and join you at the Meeting of Creditors. Due to the Covid-19 pandemic, the Meeting of Creditors 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 email you a copy of the Bankruptcy Notice with all the information you will need over the course of your case.