Services by Practice Area

Our focus is debt resolution, asset protection, consumer protection, and creditor-debtor litigation.  We offer a wide range of services within this narrow emphasis of representation.  Much like the human body, all of our practice areas are interrelated and designed to support the whole.  The goal is resolution of the issue and we may use one or many techniques to get you there.  Call today to see how we can help.

Areas of Practice & Services

Washington Debt Law is a full-service debt relief law firm. We use a holistic approach in dealing with creditors.  We practice across a broad range of debt related areas of law in order to provide a comprehensive debt relief service.  Call us today for a free initial phone consultation.

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For Services we Provide to Attorneys, Click Here

Services by Practice Area

Bankruptcy

Collection Defense, FDCPA Counterclaims, Debt Settlement

Consumer Protection

Criminal Debts or Debts owed to the Government

Fair Credit Reporting Act

Family Law Debt & Asset Issues

Foreclosure Defense & Mediation

Landlord Tenant

Lemon Law & Auto Issues

Military Debts, SCRA Litigation, Security Clearance Issues

Mortgage Fraud Litigation

Pro Se & Ghost Writing Services

Strategic Default & Debt Consultation

Student Loan Law

Bankruptcy

We offer both business and personal bankruptcy services along with debtor and creditor side litigation.  We have experience in adversary proceedings, lien strips, cram downs, , student loan hardships, objections to discharge, and complex or opposed litigation.  We have appeared as special counsel to other bankruptcy firms for these types of matters as well.

Collection Defense, FDCPA Counterclaims, &Debt Settlement

Debt defense is our core practice area.  We offer full Fair Debt Collection Practices Act (FDCPA), RCW 19.16 (Washington Collection Agency Act), and RCW 19.86 (Washington Consumer Protection Act) litigation.  While some of our services are specific to certain types of assets (lemon law for vehicles, foreclosure law for homes), these services below are for traditional collection suits that you might receive.

Consumer Protection

Consumer protection laws are one of the many ways we can provide a counter attack to abusive creditors and unfair business practices.  Below are some of the specific type of cases and statutes we have dealt with to assist clients:

Criminal Fines & Debts owed to the Government

We do not handle criminal law cases.  We only handle the financial issues relating to fines, penalties, and fees.

Fair Credit Reporting Act & Credit Issues

We do not handle general credit disputes.  The reason why is because it is not cost-effective to have an attorney do it when you can find free forms online and do it for the cost of postage alone.  What we prefer to do is once you have already disputed the debts and the creditor refuses to fix incorrect information, we can review to see if you have a case under the FCRA or Washington’s FCRA.

Family Law Related Debt & Asset Issues

We do not handle general dissolution and child custody issues.  We only handle debt and asset related issues such as using bankruptcy to discharge or amortize debts you owe, collections on debts owed to you, and going after ex’s that retreat into bankruptcy to escape debts owed to you.  We can work hand in hand with you and your family attorney or with you separately as needed if your dissolution is over and offer pre-dissolution, post-dissolution, and inside the dissolution services, strategy, and consultation.

Foreclosure Defense & Mediation

In most instances, your home is your largest asset.  If you are an investor or landlord, this might be a significant part of your income structure.  In any case, we have a wide range of options and services.

Landlord Tenant

We do not handle Tenant side services for Residential Tenants in possession.  We only handle cases relating to post possession suits for damage, collection defense cases, and/or deposit return cases.

We do handle all aspects of commercial tenant representation.

We do handle all aspects of landlord representation.

Lemon Law & Auto Issues

Lemon Law is sort of like the word Kleenex.  It is used interchangeably for many different services.  We divide down the services we offer as shown below:

Loan Modification

We handle loan modifications specifically through the Washington Foreclosure Fairness Act program.  Generally, outside of that program, you end up in and endless loop of “we never received your documents.”  We can advise you of the viability of a loan modification as well as how it works in the Foreclosure Fairness Act program.

Military Debt Issues, SCRA Litigation, Security Clearance Issues

We do not handle court martials, discharge upgrades, or non-financial related security clearance issue services.  We only handle debt issues related to your military service, security clearance, and rights under the SCRA as well as for spouses and family of military members.  We are a Veteran owned firm, understand the nuances and challenges of military procedures and lifestyle, and proud to help service members and veterans of all branches.

Mortgage Fraud Litigation

We have experience in going after abusive lenders and fraudulent loans.  We can help walk you through an analysis of your promissory note, check for proper endorsement, and review for indications that it consistent with having been in a collateral file.  We can file temporary restraining orders and force production of the note.  We can also launch quiet title litigation if it looks like you may have superior claim to title over the bank.  In addition to the services under our Foreclosure Defense section, we offer the following:

Pro Se & Ghost Writing Assistance

There are a lot of very smart people in the state of Washington.  Not every needs an attorney for all aspects of their case.  They need an attorney to help them with procedure, format, and tightening up arguments in a manner that a judge and/or jury can understand.  We can help and offer a full complement of ghost writing, review, and editing services.  As a warning though, due to legal ethics and procedures, we can only offer these services in State Court cases.  In Federal Court, we may advise but we ethically are not allowed to help you draft pleadings unless we appear and identify ourselves.  If things get out of control or over your head at any point, we can also provide full representation.

Strategic Default & Debt Consultation

Of all the things we do, this is one of the things that we enjoy the most.  There is an art to debt defense and the behind the scenes strategy is the most important aspect.  Many firms offer only one or two of our practice lines.  We offer much more.  From a math perspective, this is the difference between algebra and calculus.  If you want to solve complex problems, you need to bring together every type of math  you know, understand how they interact, and properly choose which formula is best in a given scenario.  As debt defense is a numbers game, we approach our work from a broad perspective to provide the very best solution we can.  We use layered approaches, simultaneous attacks on various levels, and provide strategic solutions.

Student Loan Law

We focus on providing legal solutions to student loans and consultation services.  For Federal Loans, as there is no statute of limitations and many federal programs to assist in forgiving or reducing monthly payments, we generally provide consultation services and solutions to other debt issues to free up cash flow.  For Private Loans, where there is a statute of limitations and no programs to assist, we provide full litigation services ranging from defense in state or federal court, counterclaims, and bankruptcy hardship discharge options.