Washington Debt Law, PLLC

Our practice is protecting you from your creditors.  We exclusively represent individuals and small to mid size businesses against creditors with an emphasis on creditor-debtor litigation, consumer protection claims, asset protection, and debt resolution.

Whether you need to protect your business, protect your home, or sue a debt collector, we can help.  Call us today for a free initial phone consultation.



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


  • Auto & Lemon Law
  • Bankruptcy
  • Collections Defense
  • Consumer Protection
  • Family Law Debts
  • Foreclosure Defense
  • Landlord Tenant
  • Litigation & Trials
  • Student Loans


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


  • 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, we limit our practice to only debt related issues, we are local and only practice in Washington State, and we offer boutique level representation at reasonable prices.

Our experience on both creditor and debtor side gives us an insight and level of experience that allow us to deal with creditors and debts more effectively than attorneys who have never walked on the “dark side” so to speak.  By limiting our practice to only debt related matters, unlike a firm that handles everything from personal injury to criminal law, we have a deep level of expertise in what we do.  See our attorneys and paralegals page to learn more about the people who will be assisting you.

Washington Debt Law is a full service debt relief firm.  By full service, this means that we practice in multiple areas of law all focused on creditor debtor issues and asset protection.  This includes bankruptcy, collection defense, consumer protection, foreclosure defense, landlord tenant, lemon law, mortgage fraud, student loans, and other related areas of law.  Our focus is to approach any debt from multiple angles and choose the best approach both in terms of the specific debt but also how it interacts with your whole financial profile.  Our services range from consulting to full trial representation and appeals when necessary.  We believe debt defense is more than asking “which bankruptcy would you like” but rather exploring any and all options that you have.

We are local.  We limit our practice only to Washington State and only to creditor debtor related matters.  By practicing only in the state where we live, we bring a local approach that national firms simply lack.  Further, by not needing national advertising campaigns and offices in multiple states, our lower overhead allow us to operate more cost efficiently.  This allows us to offer free initial consultation and reasonable prices.

If you would like a boutique level debt defense, we can put our experience on your side.  We offer free initial phone consultations.  Call today to see how we can help!

A Focus on Strategic Planning

You can win a battle and lose a war.  Many firms focus on using a quickly filed bankruptcy as a one size fits all approach to debt relief.  That is not our approach.  Bankruptcy tends to be our last option with a focus on using strategic defaults, targeted litigation or defense, out of court options, and holding a battle line until it is about to fold- then we use bankruptcy only as a final fall back option for maximum effect.  In many instances, bankruptcy can be avoided.  However, if it is necessary, we can make it more effective by filing at the last minute.

Solutions When Bankruptcy is Not an Option

There are some times when you cannot file a bankruptcy.  You might be in the middle of a personal injury case, you might have already filed, there might be security clearance or license concerns, or you might just have personal ethical reasons for why you do not want to file.  Regardless of your reason we can help.  We offer debt negotiation services, collections defense, counterclaims under consumer protection laws, fraud litigation, and other solutions.  If there are no legal service options for your situation, we can look at out of court options or even make an introduction to a media consultant to assist you in taking your case to social and news media as a last ditch option.  We have solutions, both conventional and unconventional, for any debt issue you can bring to us.

Fast Solutions When Time is of the Essence

While long term strategies can be more effective, sometimes you need help now.  If this is the situation, we can bring an array of options to the table.  We can file a bankruptcy and use the automatic stay to stop a foreclosure or lawsuit dead in its tracks.  We can look at bringing a temporary restraining order or going into court on shortened time or ex parte.  We can even do a layered approach where we file something quickly to slow things down, then regroup and attack with time on our hands.  When there is not enough time to slowly and methodically attack your issues, we can act with speed and brute force as necessary to meet your goals.

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!