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.

For a View of Services by Type of Debt, Click Here

 

Services by Practice Area

Bankruptcy

Collection Defense, FDCPA Counterclaims, Debt Settlement

Consumer Protection

Fair Credit Reporting Act

Foreclosure Defense & Mediation

Landlord Tenant

Lemon Law & Auto Issues

Mortgage Fraud Litigation

Pro Se & Ghost Writing Services

Strategic Default & Debt Consultation

Student Loan Law

Bankruptcy

We offer a full suite of robust bankruptcy options.  We have filed adversary proceedings for lien strips, student loan hardships, objections to discharge, and for other complex litigation.  We have appeared as special counsel to other bankruptcy firms for these types of matters as well.

  • Adversary Proceedings & Litigation in Bankruptcy Court
  • Chapter 7 and Chapter 13 Petitions
  • Chapter 20 (using both Ch 7 and Ch 13 for relief)
  • Lien Strips & Cram Downs
  • Motion for Relief or Defense to Motion for Relief
  • Objections to Claim or Defense to Objections to Claim
  • Objections to Discharge or Defense to Objection to Discharge
  • Strategic Bankruptcy Consultation
  • Student Loan Hardship Discharges

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.

  • Answers to Complaint, Motions to Vacate, Litigation
  • Bankruptcy options if it is a more cost efficient and viable solution
  • Consultation as to Debt Defense and Pro Se Options
  • Debt Settlement
  • Demand, Dispute, and Validation Letters
  • Drafting Complaints for FDCPA, RCW 19.16 and RCW 19.86 Violations
  • Ghost writing for Pro Se Litigation in State Court (we cannot offer this in Federal Court due to differing ethics rules)
  • Zombie Debt, Illegal Debt, Discharged Debt Issues

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:

  • Auto Dealer Fraud, Bushing, & Other Issues (RCW 46.70)
  • Auto Repair Fraud (RCW 46.71)
  • Debt Consolidation and Debt Settlement Companies (RCW 18.28)
  • Collection Agencies (RCW 19.16)
  • Consumer Protection Act Litigation
  • Fair Credit Reporting Act (FCRA)(15 U.S.C. 1681 et seq.)
  • Fair Debt Collection Practices Act (FDCPA)/(15 U.S.C. 1692)
  • Lemon Law (RCW 19.118 & Magnuson-Moss Warranty Act)
  • Mortgage Broker Practices Act (RCW 19.146)
  • Mortgage Rescue Scams (RCW 19.86, RCW 19.144)
  • Predatory Loan Modification Companies
  • RESPA violations (12 U.S.C. 1601 et. seq.)
  • Telephone Collection Practices Act (47 U.S.C. 227)
  • Tow Truck/Impound Issues (RCW 46.55)
  • Wrongful Foreclosure (RCW 61.24)

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.

  • Demand Letters, and Litigation
  • Fair Credit Reporting Act (FCRA)(15 U.S.C. 1681 et seq.)
  • Washington Fair Credit Reporting Act (RCW 19.182)
  • Zombie Debt Credit Issues & Litigation

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.

  • Foreclosure Fairness Mediation Act Representation
  • Foreclosure and Mortgage Fraud Litigation
  • Produce the Note & Quiet Title Litigation
  • Strategic Default & Bankruptcy Consultation
  • Temporary Restraining Order Against Foreclosure Sale

Landlord Tenant

For our Landlord and Commercial Tenants, we offer a full suite of services relating to unlawful detainer actions, lease reviews, enforcement of lease terms, and defense against claims.  For Residential Tenants, due to the volume of potential

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.

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.