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In my last blog post I talked about debt settlement, and laid out the benefits and some of the pitfalls associated with exploring that option.  In this post, let’s talk about the practical side of things. In my opinion, unless you really have no ability to speak assertively over the phone, you really should not

As a Bankruptcy attorney, sometimes we see everything through our limited lenses, and of course, when it comes to debt, since our tool is a hammer, every problem resembles a nail. But the truth is that you always have non-bankruptcy options to settle debt, but most people are often intimidated about trying them. First, you

Hi Folks, Brian here. Here in Washington, our “stay at home” order has been increased to May 31. For most of us that means doing things around the house, lots of TV watching, and (unfortunately) worrying about bills. Every industry has been hit by the response to Covid-19, and debt collectors and collection attorneys are

Hi Folks, Gov. Inslee announced a suspension of garnishments today. This is great news to the beleaguered people of Washington State. In Washington State when a judgment creditor pursues a garnishment against wages, they can take up to 25% of your take home pay, and 100% of your bank account. This can be catastrophic to

Hi Folks, We are clearly in surreal times. Everyone is doing their part to get through this pandemic, but in addition to your health, we have to be prepared to deal with some harsh realities. Bills will still be due. They may get deferred, and it is up to you to verify that a particular

Hi everyone, With all of the concerns about Covid-19, it is important to keep in mind that you have a lot of resources at your disposal that might not be obvious on the surface. A lot of people’s lives have been affected by the virus. Restaurants are closing and the airline/travel industry is taking a