5 Steps to Take After Declaring Bankruptcy

About 1 million Americans filed for bankruptcy in 2013. If you were one of them, you’ve likely heard that bankruptcy will stay on your credit reports for 10 years. You might be assuming your life is over — at least financially — for the next decade, but you’d be wrong. Bankruptcy does do major damage to your credit scores, […]

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What Are the Risks of a Short Sale?

Short selling property has many benefits, but is not for everyone and there are many pitfalls that you may not be aware of.  The benefits of a short sale if properly negotiated is release from personal liability and liability from the real property, eliminate future home owners assessments, fines from the city or state, release […]

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What Creditors Can Be Discharged in a Bankruptcy

Most if not all creditors are subject to the bankruptcy discharge, even taxes. The non-exclusive list: credit cards, certain taxes, medical debts, personal injury debts, some tort claims, delinquent utilities, some home owners dues, mortgages, personal lines of credit, business debts, some student loans etc. Even if a debt is not dischargeable, a personal can […]

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Recovering From Bankruptcy

Great article from US News & World Report with helpful tips for getting back on your feet after bankruptcy.  If you’re in need of help with filing for bankruptcy, contact our team at Integrity Law Group, PLLC for a free consultation. A Roadmap Out of Bankruptcy To get back on your feet, start by taking small steps […]

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Should I File for Bankruptcy?

How to Determine Whether a Person Should File for Bankruptcy The general rule of thumb is anyone can qualify for a bankruptcy, but is it in a person’s best interest to file? The answer is not simple. There are three major types of bankruptcies that people may use to discharge debts or work as a […]

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WASHINGTON FORECLOSURE FAIRNESS ACT

Washington State Department of Financial Institutions in conjunction with Washington State Housing Finance Commission and Washington Department of Commerce has developed a website to provide Washington homeowners with information regarding their ownership rights and their rights under foreclosure.  http://www.homeownership.wa.gov/ Effective July 22, 2011, Washington State has made mediation mandatory for lenders before they can foreclose on your […]

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