Consumer Bankruptcy

We're more than just lawyers; we're partners on your journey, dedicated to navigating legal challenges and paving the way for your future success.

Personal Bankruptcy Attorneys in Seattle, WA

Are you struggling to make ends meet because of the level of debt you have accrued? Whether you made understandable mistakes or experienced substantial misfortune, you may be considering bankruptcy as a way of attaining financial freedom.

At Seattle Consumer Justice, we have spent more than three decades assisting individuals and families through personal bankruptcy. Congress created the Bankruptcy Code to allow honest, hardworking debtors to obtain new financial beginnings, and we have the experience and knowledge needed to help you take full advantage of these state and federal laws.

Ready to learn more? Call our personal bankruptcy attorneys in Seattle, WA at (206) 483-0505 or contact us online today.

If your situation is particularly urgent (e.g. you are facing foreclosure), preparation is the most powerful tool you can use to expedite the bankruptcy process. The sooner you can gather your paperwork and organize your financial information, the faster we can help you avoid the most drastic consequences of overwhelming debt.

Founded in 2012 by a team with 30+ years of combined experience, Seattle Consumer Justice knows the ins and outs of the Bankruptcy Code. More importantly, we know exactly how to help you take full advantage of this debt-relief solution. If you are looking for a way out of unmanageable debt, let us help you file bankruptcy as efficiently and effectively as possible.

What Is Chapter 7 Bankruptcy?

In Chapter 7 bankruptcy (also known as liquid or straight bankruptcy), the trustee accounts for any exemptions you are entitled to before determining which assets, if any, should be auctioned off to pay your creditors.

Exemptions are assets (or certain levels of equity) you can elect to protect from the liquidation process. Whether you can claim a certain exemption depends on applicable state and federal laws.

Exemption law allow you to keep certain assets deemed necessary to lead a normal life, such as:

  • Clothing
  • Household goods and furnishings
  • Motor vehicles
  • Retirement funds
  • And other similar items

In some cases, exemptions can even allow you to avoid foreclosure on your home. If all your assets are exempt, your creditors will receive nothing from you. The court will then discharge any unsecured debt that was not covered by the liquidation process.

If debt is discharged, you are no longer liable, and your creditors are no longer permitted to pursue collection actions, such as:

  • Calls
  • Lawsuits
  • Wage garnishments
  • And more

The entire Chapter 7 process may take up to 6 months.


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The Heart of Our Success

Hear From Our Valued Clients

We genuinely care about our clients and will do everything we can to ensure their satisfaction. Your positive experience is our top priority, and we take immense pride in going the extra mile to exceed your expectations.

  • “It is my belief that we came out way ahead of the game but we owe the success to Jacob.”
    “Jacob very clearly explained the course of action we should take and held our hand through the very scary process of the bankruptcy nightmare.”
    - Kim & Mike
  • “5 stars are not enough.”
    “She knows the ins and outs of all types of bankruptcy, listens to your personal situation, and lays out the options for you.”
    - Joe
  • “Jacob successfully took over our Chapter 11 bankruptcy case.”
    “His professional attitude and calm and efficient demeanor guided us through what could have been a much more agonizing process. He and his staff worked out a settlement which was actually better than my most optimistic expectation.”
    - Jerry
  • “Jacob was very knowledgeable and very nice to work with on my case.”
    “He always kept me informed of what was going on and what to expect. My case was not anything easy by far and Jacob and his team worked really hard to win my case for me.”
    - Previous Client
  • “He really cared about getting me the best outcome given my financial situation.”
    “Jacob treated my case with professionalism and knowledge of the law. He made the process understandable and had the patience to explain the information in terms I could understand.”
    - Previous Client
  • “I attribute my survival from this tough time to her ability and her personal involvement on my behalf.”
    “When I, and my company, were struggling financially and about to go under, she showed me options I never knew I had, and then she followed through and protected me so that I ultimately did not have to declare bankruptcy.”
    - Previous Client
  • “I would recommend Christine Latta to any of my friends and family.”
    “We were very concerned about resolving this matter in a short period, and she adhered to our needs by expediting this case within our thin margin of time that we had.”
    - Previous Client
  • “Jacob was always focused on our needs and desires concerning our real estate.”
    “He is not an income-driven attorney, but an attorney that gives great value and caring as his greatest assets. He works hard to get his clients the best result possible!”
    - Previous Client

Guiding You Towards a Brighter Tomorrow

  • 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.

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