Due to COVID-19, we will be conducting all consultations either via video chat, phone, or email. Please don’t hesitate to contact us if you have any questions!

  • Max Gardner's Bankruptcy Boot Camp Graduate
  • National Association of Consumer Advocates
  • King County Bar Association
  • Washington State Bar Association
  • 9th Circuit Court of Appeals

About Us

Seattle’s Trusted Business Bankruptcy Law Firm

Henry & DeGraaff is a small firm, and we pride ourselves on our ability to offer clients personal, one-on-one service. Our backgrounds and experience help us understand our clients’ needs and provide us with insights and ideas for delivering justice. Unlike other firms that prefer to avoid the courtroom, Henry & DeGraaff has extensive litigation experience, taking cases all the way to trial for clients facing issues with mortgages, student loans, debt collection, bankruptcy adversary proceedings, and more. You can trust our team to prioritize your best interests and fight tenaciously for your future.

Why Choose Us?

Things that make us different:

  • We are one of the few law firms that offers debt-related litigation services. We have helped clients discharge hundreds of thousands of dollars in private student loan debt, and we regularly hold debt collectors accountable for violating borrowers’ rights under various consumer protection laws. We also litigate cases involving mortgage disputes, helping clients avoid foreclosure and discharge second and third mortgage debt.
  • We have solutions for individuals and businesses that have not yet defaulted on their loans (but are at risk of imminent default) and are concerned about their credit worthiness; but, due to excessive debt or negative cash flow, they cannot obtain additional financing and cannot refinance or reduce the terms of their high interest debt, and have creditors calling them as a result. It is our hope that we can provide useful financial counseling and legal advice so that you make prudent decisions before liquidating retirement funds and/or jeopardizing your future business prospects.
  • If you are a consumer or business owner who has just started missing payments on loans or credit cards and are terrified to deal with collection calls, we can help. When collection calls and harassment have already started, doing nothing is likely to affect your family relations and your ability to work productively. It is time to seek legal counsel now, because the sooner you involve us in the situation, the more we can do to help you in the long run.
  • We offer financial advice for your friends and family members who may or may not be prepared to face their financial problems. If bankruptcy is necessary, we will help make the process as painless as possible.
  • We also have strategies for those who are facing foreclosure, a short sale of their home, and/or a car repossession or garnishment. Talking to us about the problem is the first step to a resolution. We provide strategic counsel, guidance through various debt-relief processes, and fearless representation in court.

To learn more about our services and how we can help you or your business achieve financial freedom, give us a call at (206) 483-0505 today.

Here Are Some of the Tools We Use:

Business Bankruptcy

  • Chapter 11 – Debt reorganization for corporations
  • Subchapter V of Chapter 11 – Debt reorganization for qualifying small businesses
  • Chapter 12 – Debt reorganization for family farmers and fishermen
  • Questions and Answers – Answers to common questions we hear about business bankruptcy
  • Business Workouts – Alternative to bankruptcy for struggling businesses

Consumer Bankruptcy

  • Types of Bankruptcy – Learn the difference between Chapter 7 and 13
  • Exemptions – How you can protect your assets during bankruptcy
  • Lien Stripping – You may be able to reduce or eliminate your second mortgage
  • Bankruptcy Adversary Proceedings – Bankruptcy-related litigation that can discharge student loan debt, assert your rights, and more

Student Loan Debt

  • Student Loan Litigation – Protecting you against unfair debt collection and helping you avoid paying more than you need to
  • Discharging a Student Loan – Options if you’re not able to pay
  • Types of Student Loans – Key differences between federal and private student loans
  • Delinquency and Default – What happens when you get behind on your payments

Consumer Protection Litigation

  • Debt Collection Defense – Protecting you against debt collection lawsuits, unlawful collection practices, violations of the automatic stay, and more
  • Foreclosure Defense – Taking lenders to court for collecting beyond the statute of limitations, disregarding proper foreclosure procedures and more; discharging 2nd and 3rd mortgages

The Henry & DeGraaff Difference

  • Experienced, Creative & Sophisticated

    With years of experience between our attorneys, our goal is to deliver a higher level of service, only taking cases where we can add value.

  • Personalized Attention

    We understand that no two cases are ever the same. We provide tailored solutions for every client and strategize in order to provide optimal results.

  • Comprehensive Service

    As a law firm that focuses on creative and collaborative solutions, we always seek opportunities that go even beyond the law to help provide the results you deserve.

  • Groundbreaking Results

    Our ability to tackle complex issues has allowed us to win appellate decisions and push the law in our clients' favor. We pursue compensation arrangements that reward success.

Contact Us

Schedule a Consultation Today
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