Bankruptcy Attorney in Silverdale, Washington
Helping You Get Relief from Overwhelming Debt
When credit card bills, medical costs and other debts pile up, it can seem like there's no way to get relief. Filing Chapter 7 or Chapter 13 Bankruptcy might be an option. Located in Silverdale, Washington, attorney Michael R. Morrison will help you decide if filing for bankruptcy is the right choice in your situation.
The office of Michael R. Morrison, Attorney at Law, is a Debt Relief Agency. I represent all debtors in U.S. Bankruptcy Court in the Western District of Washington at Seattle and Tacoma.
If your debt has led to garnishment from your paycheck, repossession, foreclosure or lawsuits, I can help you decide if you should file for bankruptcy. Call 360-613-5077 or e-mail me to schedule a free initial consultation to discuss your case.
Experienced Washington Bankruptcy Attorney
There have been many recent changes to the bankruptcy laws, so it is important to have an experienced bankruptcy lawyer who is familiar with the latest changes.
An important change in the law: The new Washington State bankruptcy laws now require everyone seeking to file for bankruptcy to go through credit counseling and credit education.
Automatic Stay
Filing correctly for bankruptcy will provide an automatic stay. This court order requires your creditors to contact me instead of you, and stops foreclosures, garnishments and lawsuits.
Contact me to discuss your situation, and find out how I can help you find a solution.
Chapter 7 Bankruptcy
When you cannot pay you debt, Chapter 7 "liquidation" bankruptcy can help you discharge some types of debt. Not everyone qualifies for Chapter 7 bankruptcy. If you make more than the median income, you cannot file for Chapter 7. Contact me to discuss your case. I will help you determine if you qualify, and how to proceed.
Minimum Chapter 7 Process
- Get a certificate of Counseling from an approved agency.
- Complete the Bankruptcy Forms.
- Provide certain Documents, to be sent to trustee.
- File the case & pay fees.
- Receive the Notice from The Bankruptcy Court (about 10 days after filing).
- Attend 341 creditor's meeting and answer questions (will be assigned to be held about 5 weeks after filing).
- Get a certificate of Debtor Education from an approved provider.
- Receive discharge of dischargeable debts (issued about 70 days after creditor's meeting).
- Case closes when the trustee has completed his tasks.
Chapter 13 Bankruptcy
Even if you make more than the median income in Washington, you can file Chapter 13 Bankruptcy. You will set up a payment plan to repay debts while continuing to make current payments on things such as your mortgage or car loan. These plans can last between 36 and 60 months, and many times, the remaining debt is discharged at the end of the plan.
Minimum Chapter 13 Process
- Get a certificate of Counseling from an approved agency.
- Complete the Bankruptcy Forms.
- Provide certain documents, to be sent to trustee.
- Produce a Chapter 13 Plan and Complete Trustee Sheet.
- File the case & pay fees.
- Receive the Notice from the Bankruptcy Court.
- Make first payment within 30 days of filing.
- Attend 341 creditor's meeting and answer questions.
- Get a certificate of Debtor Education from an approved provider.
- Send copy of Tax returns & financial information to trustee annually.
- Make Plan payments for 36 to 60 months, complete the plan.
- Receive discharge of dischargeable debts.
- Case closes when the trustee has completed his tasks.
Attorney Michael Morrison • Free Initial Consultation
Call 360-613-5077 or e-mail me to schedule a free initial consultation. If possible, please bring these documents with you to our initial meeting:
- 2006 income tax returns (2007 if you have already filed)
- Pay check stubs or LES for last six months and evidence of any other income
- Child support orders
- Divorce decrees
- Lease agreements
- Copies of all recent bank and brokerage account statements
- Copies of registrations and titles to all titled property
- Copy of your recent credit report
Bankruptcy is not the answer for everyone. When you meet with me, I will help you decide if filing for bankruptcy is the right way for you to get relief from debt.
Visit me in my Silverdale office between 9:00 am and 5:00 pm Monday through Thursday and between 9:00 am and 1:00 pm on Fridays and Saturdays. If there is a different time that would work better for you, I am happy to schedule weekend and evening appointments.
Michael R. Morrison, Attorney at Law
3100 NW Bucklin Hill Road
Suite 118
Silverdale, WA 98383-8360
Maps & Directions
Telephone: 360-613-5077 | Fax: 360-308-8403