Process 01

Chapter 7 Bankruptcy

Liquidation and direct debt elimination.

Chapter 7 bankruptcy is a liquidation process designed to provide a fresh start by eliminating unsecured debts. Often referred to as "straight bankruptcy," it is an effective tool for resolving credit card bills, medical expenses, and personal loans.

This process typically takes four to six months from filing to discharge, allowing for a swift transition toward financial recovery.

Transparent Fixed Pricing

Single Filer $1,200
Married Couple $1,300

Process 02

Chapter 13 Bankruptcy

Strategic reorganization and repayment.

Chapter 13 bankruptcy allows individuals with regular income to reorganize their debts into a manageable three to five-year repayment plan. This is a primary solution for those seeking to halt foreclosure and catch up on missed mortgage or car payments.

We work closely with you to develop a plan that satisfies legal requirements while protecting your most essential assets.

Professional Fees

Single or Married Filer $5,000
Payment plans available post-filing.

Immediate Relief

Upon filing, an "automatic stay" is legally enacted, providing immediate protection from outside financial pressure.

Stop Creditor Harassment

Legally prohibit collection calls, letters, and constant outreach.

Halt Wage Garnishment

Prevent or stop the deduction of earnings by creditors or state agencies.

Prevent Foreclosure

Secure your home by stopping legal proceedings and reorganizing arrears.

"A fresh financial start begins with professional clarity."

Associated Costs

Court Filing Fees

Chapter 7 Filing $338

Chapter 13 Filing $313

Mandatory Reporting

Credit Report (Individual) $45

Credit Report (Couple) $90

*Chapter 7 filing fees may be payable in installments. All attorney fees are quoted as flat rates to ensure predictable costs.

Schedule a Consultation

Begin your journey toward financial recovery with a confidential discussion of your options. Offices located in Spokane and Kennewick.

Spokane: (254) 535-2419 Email Jason Couey