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.
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
For Services we Provide to Attorneys, Click Here
Collection Defense, FDCPA Counterclaims, Debt Settlement
Criminal Debts or Debts owed to the Government
Family Law Debt & Asset Issues
Foreclosure Defense & Mediation
Military Debts, SCRA Litigation, Security Clearance Issues
Pro Se & Ghost Writing Services
Strategic Default & Debt Consultation
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.
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 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:
We do not handle criminal law cases. We only handle the financial issues relating to fines, penalties, and fees.
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.
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.
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.
If you are a landlord, click to go to Washington Property Law.
Residential Tenant Services Limited to Post Move Out Collection and Deposit Issues (violations of deposit retention laws can result in 2 x your deposit in damages and attorney fees, see RCW 59.18.280)
We do not handle any other tenant issues to include eviction defense, damage to property, habitability, etc. This is in part because we desire to focus on Debt Law and the volume of tenant work would subsume that practice. Our tenant resources page will direct you to free assistance and pro bono, low bono, and private attorney assistance.
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:
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.
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.
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:
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.
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.
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.
