When debt becomes overwhelming — with aggressive creditors, garnishments, or the threat of foreclosure — bankruptcy can offer real relief and a path to a fresh start.
We help Spokane clients understand their options, stop the pressure, and discharge debts so they can move forward with confidence.
Chapter 7 vs. Chapter 13
Chapter 7 can discharge many unsecured debts relatively quickly for those who qualify. Chapter 13 reorganizes debt into a manageable repayment plan, which can help save a home from foreclosure or catch up on arrears. We help you determine which chapter fits your goals and circumstances.
Immediate relief
Filing for bankruptcy triggers an automatic stay that stops most collection actions — including creditor calls, garnishments, and foreclosure proceedings — giving you breathing room while your case is handled.
Frequently asked questions
Will bankruptcy stop wage garnishment?
Yes. Filing triggers an automatic stay that halts most garnishments and collection efforts while your case proceeds.
Which debts can bankruptcy discharge?
Many unsecured debts, such as credit cards and medical bills, can be discharged. Some debts, like most student loans and recent taxes, are treated differently. We review your specific debts with you.
Can I keep my house if I file?
Often yes. Chapter 13 in particular can help you catch up on a mortgage and keep your home. We explain how exemptions and each chapter affect your property.
Ready to talk through your situation?
Reach a Schwab Law attorney in Spokane today.