Washington Debt Law, PLLC

Our practice is protecting you from your creditors. We exclusively represent individuals and small to mid size businesses against creditors. We focus on creditor-debtor litigation, consumer protection claims, foreclosure defense, bankruptcy, settlement, and out of court resolution.

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Types of Debts We Resolve

Types of Solutions We Offer

Areas of Practice

Whether you need to protect your business, save your home, sue a debt collector, or resolve your student loans- we can help. Call us today for a free initial phone consultation. 206-535-2559.

Bankruptcy

Personal Bankruptcy (Chapter 7, 11, 13, & “20”)
Business Bankruptcy (Chapter 7 & 11)
Adversary Proceedings & Trial Representation
Creditor Rights
Debtor Rights
Objections to Proof of Claim
Strategic Bankruptcy Consultation
Student Loan Hardship Discharge

Collection Defense & Debt Settlement

Bankruptcy Options
Counterclaims under FDCPA, RCW 19.16, RCW 19.86, FCRA, TCPA
Debt Settlement
Garnishment Defense
Motion for Summary Judgment Defense
Motions to Vacate Default Judgment
Pro Se & Ghost Writing Services
SCRA & Military Debt Issues
Specialized debt issues: Criminal Debt, Student Loan Debt, Zombie Debt
Strategic Default & Debt Strategy Consultations

Family Law Debts

Bankruptcy Options
Collections defense if you owe your ex spouse
Debt Settlement
Pre and Post Dissolution Debt Resolution & Consultation
Sale & Partition of Real Property if your spouse will not sell or refinance
Work with your family law attorney to handle specific debt issues

Foreclosure Defense

COA & HOA Collection Issues
Foreclosure Defense (Judicial and Non-Judicial)
Foreclosure Fraud Litigation
Loan Modification & Mediation
Produce the Note Litigation
Quiet Title Litigation
Second Mortgage Collection Defense
Strategic Default & Bankruptcy Consultation

Landlord Tenant

Tenant Services only
Bankruptcy options to resolve large landlord claims
Collection defense against landlord claims
Counter claims against landlords unfairly collecting
Deposit return cases
Eviction defense for “just cause” violations
Lease break review and negotiation
Negotiation with landlords to resolve debts and claims
Settlement of claims asserted by landlords

Lemon Law

Auto Dealer Fraud (bushing, false advertising, fraud)
Auto Repair Litigation
Collection Defense & Debt Avoidance
New Car Lemon Law
Repossession Issues
Tow/Impound Issues
Used Car Lemon Law (Warranty of Merchantability)

Military Member Services

We are a veteran-owned business and familiar with the needs of military members and military dependents
Special considerations in resolving debt issues without harming your security clearance or military career
Bankruptcy and debt defense services
Recoupment issues
Representation during deployment or PCS
SCRA litigation to include cram down to 6% on loans and lease breaks
Tenant services for military member and dependents

Student Loans

Appeal for denials of applications to programs
Bankruptcy options (hardship discharge, ch 7 & ch 13)
Debt settlement options (federal or private)
Litigation options (defense, counterclaims, plaintiff suits)
Program analysis & application assistance
Strategic consultation and solutions

Debt Defense By Creditor Attorneys

Washington Debt Law was founded to provide boutique level representation to individuals and small to mid size businesses in resolving debt issues and protecting assets. All of our Attorneys and Staff have spent time on both the consumer and creditor side and understand the nuances of both. We use a strategic approach to create a custom solution to your specific situation by matching the best solution or solutions to your situation. Sometimes this requires only a single approach while other times we use a multi tiered approach across several practice areas utilizing a different techniques to handle your specific situation. The chart below shows a non comprehensive overview of the types of areas we practice in, the types of debts we handle, and the types of solutions we offer. Debt defense is not a one size fits all approach and it means more than bankruptcy, it is an art when done properly.

“Instead of trying to impose on his mind, he adjusts himself to his opponent like water pressing on an earthen wall. It flows through the slightest crack. There is nothing to try to do but try to be purposeless and formless, like water. All of his classical techniques and standard styles are minimized, if not wiped out, and nothingness prevails. He is no longer confined.”

-Bruce Lee

PRACTICE AREAS

Auto & Lemon Law
Bankruptcy
COA/HOA
Collections Defense
Consumer Protection
Family Law Debts
FDCPA/FCRA
Foreclosure Defense
Landlord Tenant
Litigation & Trials
Student Loans

DEBTS WE HANDLE

Auto Related
Business
COA & HOA
Credit Card
Criminal & Govt. Fines
Family Law Related
Medical
Military Related
Mortgage
Payday Lenders
Student Loans

SOLUTIONS

Appeals
Arbitration & Mediation
Bankruptcy
Counterclaims
Finance Strategies
Judgment Proofing
Litigation & Trial
Out of Court Options
Out of the Box Options
Settlement/Negotiation
Strategic Consultation

Why Choose Washington Debt Law?

We have extensive creditor and debtor side experience. All of our attorneys and staff have done creditor work. This experience gives us an insight that allows us to deal with creditors and debts more effectively than attorneys who have never walked on the “dark side” so to speak. We know how creditors think because we have been in their shoes.
We limit our practice to debt related issues and related consumer protections. We do not practice “door law” which is when you take whatever walks through your door. If you have a personal injury case or a divorce, we will refer you out. We prefer to be deep dive level specialists rather than generalists and this focus shows in our results and the extent of debt issues that we are able to handle.
We are a full service debt relief firm. Some firms resolve debts only through bankruptcy. We resolve debt through settlement, litigation, bankruptcy, and out of court options to include finance, government program, advise on social media/political approaches, and other options. We can handle cases in and out of court and can represent you all the way to trial and beyond.
We have solutions when bankruptcy is not an option. Some people don’t want to file, some shouldn’t file, and some can’t file. It might be a security clearance or license issue or too many assets or that you recently filed. Whatever your reason, we can litigate, settle, and/or resolve the issue outside of court as necessary. We are more than a one trick pony when it comes to resolving debts.
We only practice in Washington State. We are local. We know the laws and are familiar with the court system. We handle Federal, State, and Bankruptcy cases here in Washington.
Our prices. You get large firm expertise at small firm prices. We start with a free initial phone consultation and offer an array of reasonable flat fee services. We also offer hourly and contingent representation depending upon the facts of your case. Being debt specialists, we are accustomed to working efficiently whatever your budget.
Our reviews speak for themselves and show our client’s satisfaction, level of customer service, and results.

Call Today To See How We Can Help: (206) 535-2559

No matter whether you are facing foreclosure, bankruptcy, garnishment, or other debt related issues, we can help. We offer a free initial phone consultation and have convenient locations throughout the Puget Sound. We also offer remote representation options for clients in Eastern Washington or to out of state clients if your matter is centered in Washington. Call today to see how we can help!