Chapter 13 Bankruptcy in Washington | Patrick McBurney Attorney at Law

Chapter 13 Bankruptcy in Washington

Restore your finances with an affordable repayment plan.

Our attorneys discharge loans and create a stable future by guiding you through counseling and the courts.

What is Chapter 13 Bankruptcy?

Chapter 13 is a long-term bankruptcy solution that gives you a fresh start and restores your creditworthiness quicker than other options. This is known as reorganization bankruptcy, where our experienced attorneys create a repayment plan that gets you back on track. After working with us, the courts will discharge your unsecured debts, and we’ll guide you through secured loans.

The courts will appoint a trustee to manage your finances and assets, so you don’t have to live under overwhelming debt anymore. Rather than sell your assets, they keep you accountable to an affordable repayment plan to keep what matters most. Trustees allocate funds to the right creditors on your behalf so you can be free.

Our attorneys explain how to file, fill out the paperwork, attend the confirmation hearing, and more during the bankruptcy journey. Experts on our team have taken care of thousands of individual filers and will restore your finances.


Qualify for Chapter 13

State law dictates whether you’re qualified to file for Chapter 13 in Washington and it can be difficult to search through local codes. We do the hard work for you in our initial consultation and determine whether this solution is right for you. If you do not have a stable income to fund the repayment plan, our attorneys can also assist you with petitioning for Chapter 7 bankruptcy.

  • You are an individual filer
  • You can’t have filed Chapter 13 in the past 2 years or Chapter 7 in the past 4 years
  • Be current on tax returns for the past 4 years
  • Attend an individual or group credit counseling course within 180 days of filing
  • Earn a regular income that proves you can afford the repayment plan
  • Have less than $419,275 of unsecured debt or $1,257,850 of secured debt
  • Wait 180 days if the courts dismissed you’re previous Chapter 7 or 13 case
Chapter 13 Bankruptcy

Retain Control by Saving Collateral

We save your house, vehicle, and other significant assets from repossession or foreclosure with Chapter 13. Most lenders require these as collateral for secured loans, but our team wins them on your behalf. Our team helps you get a responsible trustee that deals with creditors while we restore your finances.

It’s not fair for you to lose the family vehicle or a roof for your children when there are reliable debt relief solutions available. And we can reduce your monthly repayment amounts with loan cramdowns in special circumstances.

Work with Chapter 13 attorneys in Kennewick and Eastern Washington that navigate you through the bankruptcy process.


Get Back on the Right Track

Our law firm’s job is to get you out of debt for your future, not just right now. Setting you up with finance and budgeting classes, you can learn how to get a handle on student loans, child support, and more. We provide resources and agencies that build a solid foundation while discharging your debts at the same time.

The Chapter 13 Process

Return to Great Credit Quicker

Many families choose Chapter 7 to get debt-free faster, but that doesn’t mean the bankruptcy record will disappear at the same pace. In fact, it holds on to their credit scoring for up to 10 years, scarring their chances of receiving future loans.

We believe the longer repayment process is worth restoring your creditworthiness quicker than other debt-relief solutions. You can dispel any trace of Chapter 13 within 7 years of filing for bankruptcy. That means you can take advantage of healthy credit use and live as a responsible money manager.

Chapter 13 Bankruptcy

Chapter 13 Stabilizes Your Future

If you have enough income and meet the legal requirements for a bankruptcy case, we highly recommend it. Our experienced Chapter 13 attorneys in Spokane and eastern Washington are excited to guide you through every step and get you out on the other side.

For 26 years, we’ve helped thousands of families move out of financial difficulties, and we can make you debt-free too.