Seattle Bankruptcy Lawyers Helping You Get A Fresh Start

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STOP THE DEBT CYCLE:

Get Your Financial Fresh Start in Seattle, WA

The Law Firm Of Howard Williams

Bankruptcy Experts

Confused, stressed, or overwhelmed by debt? The Law Firm of Howard Williams helps individuals and families in the Seattle area file Chapter 7 and Chapter 13 bankruptcies so they can stop collections and rebuild financially

Credit card debt and personal loans

Medical bills and unexpected emergency expenses

Payday loans and high‑interest installment loans

Wage garnishments and bank levies in Washington state

Foreclosure or threats to your home or condo

Past‑due utilities, judgments, and collections

Repossession of cars or trucks

Insurmountable debt can affect sleep, relationships, and work performance. The goal of our firm is to give you clear options so you can make confident decisions about your financial future.

Does this sound familiar?

You lie awake at night wondering which bill you can skip this month just to keep the lights on and food on the table.

Minimum payments on credit cards, medical bills, and personal loans barely touch the balance and the total keeps growing.

You are worried about wage garnishment, bank account freezes, or a lawsuit if you fall any further behind

You are behind on your car or house payment and fear losing the property you have worked so hard for.

You feel embarrassed or ashamed talking about money with friends or family, so you try to handle everything alone.

You have thought about bankruptcy, but you are not sure how it works in Washington or whether you would even qualify

Don't worry, we can help!

We will take the Risk Out of it.

100% Money Back Guarantee

If we can't deliver on what we promise, you get your money back. Our goal is your freedom from debt and stress.Experience hassle-free finances with our guarantee – no delivery, full refund. Achieve debt freedom with us!

What others are saying

TESTIMONIALS

"Saved my home and my sanity"

I was terrified of losing everything after my medical bills piled up. Howard and his team were so patient and explained exactly how Washington’s exemptions could protect my home and car. Filing was the best decision I’ve ever made for my family’s future. I finally have room to breathe again."

- Sarah M

"Zero judgment, just results"

"Howard Williams made a very stressful situation manageable. He is incredibly knowledgeable about the local courts and always responded to my emails within a few hours—even on a weekend once. The flat-rate pricing was transparent and fair. I highly recommend him to anyone feeling overwhelmed by debt. "

- David L

"The best fresh start I could ask for"

"After months of avoiding creditor calls, I finally called Howard. He handled my Chapter 7 discharge in record time, and the process was much smoother than I expected. If you are on the fence about bankruptcy, just call him. It’s a legal reset button that actually works."

- Jennifer T

FREE

2025 E-BOOK:

The Seattle Financial Fresh Start Guide.

Determine Your Eligibility: Quickly check if your income qualifies you for a Chapter 7 discharge using the current Washington Means Test thresholds.
Protect Your Property: Understand how to leverage Washington's generous exemptions, including the increased Motor Vehicle Exemption (up to $15,000 per debtor) and the robust Wildcard Exemption (up to $10,000 per debtor), ensuring you keep your essential assets.
Compare Solutions: See the definitive differences between Chapter 7 (quick discharge, usually 3-6 months) and Chapter 13 (reorganization, 3-5 year plan, best for stopping foreclosure)

We respect your privacy. This E-book is private and confidential.

Immediate Protection: The Power of the Automatic Stay

Filing for bankruptcy immediately enacts the Automatic Stay. This is a court-enforced legal injunction that stops creditors from taking action against you the moment your petition is filed.

Stop Creditor Harrassment Calls

Prevent Home Forclusures

Halt Wage Garnishment

Why Clients Choose Howard Williams for Bankruptcy and Debt Relief

Navigating bankruptcy law can be overwhelming and complicated, especially with recent changes to federal dollar amounts and the temporary expiration of certain Washington State exemptions. You need experienced guidance.

Compassionate, Non-Judgmental Service: We know that debt is emotional and impacts your family, well-being, and future. Our team approaches every case with empathy and care.
Clear, Responsive Communication: We explain the process in plain English and are dedicated to returning calls and emails quickly. Clients appreciate responsiveness, often receiving prompt answers day, night, or on weekends.
Transparent Flat-Rate Pricing: For consumer Chapter 7 cases, we offer affordable, low flat fees For Chapter 13, we utilize flexible plans, allowing much of the attorney fee to be incorporated into your repayment plan.
Full-Spectrum Debt Solutions: Whether you need Chapter 7 liquidation, Chapter 13 reorganization, or alternative strategies like debt settlement or consolidation, we review every option honestly to find the right path for your unique life.

Ready to Take Control?

Don't wait until an emergency like a garnishment forces your hand. Consulting with a qualified bankruptcy attorney is the recommended way to ensure you are taken care of.

Federal law requires all individual debtors to complete Credit Counseling before filing. Getting this mandatory step done early gives you maximum flexibility.

Do I have to go to court in Seattle?

Most bankruptcy cases involve a brief meeting with a trustee (the 341 meeting) rather than a formal court trial, often held by phone or video.

Will I lose my car or home in Washington?

Many clients keep their vehicles and homes, depending on exemptions, equity, and whether they stay current on payments or use Chapter 13 to catch up.

How long does a bankruptcy stay on my credit report?

A Chapter 7 typically remains for up to 10 years, while Chapter 13 usually appears for up to 7 years, but many people begin rebuilding credit much sooner.

Can bankruptcy stop wage garnishment in Washington?

Yes. Filing for bankruptcy usually stops most wage garnishments through the automatic stay, with some exceptions like certain support obligations.

Call now(206) 260-0835

Disclaimer: The Law Firm of Howard Williams is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code