Spokane Bankruptcy Attorney
A Spokane bankruptcy attorney can help you evaluate the best route to eliminate most debt. If you are leaving in debtor's prison and feel like you cannot catch up with your bills and obligations, bankruptcy might be a good option for you.
Remember that if you file all your paperwork correctly, your filing will place an Automatic Stay against all collection proceedings. The automatic stay acts as a gatekeeper and it will help you with achieve the following:
1. The stay is automatic and begins the moment that your Spokane bankruptcy attorney files for you
2. The stay works to prevent creditors from forcing the bankruptcy petitioner from paying any particular debt while the court is sorting things out.
3. Things that are stayed:
a. Activity Against the Debtor – the stay prohibits all activity against the debtor relating to the collection of claims that arose before the commencement of the bankruptcy case
1. Commencement or continuation of a judicial, administrative, or other action that could have been commenced before the bankruptcy case began, or to recover a claim against the debtor before the commencement of the bankruptcy case
2. The enforcement of a judgment obtained before the bankruptcy case
3. Ay act to obtain possession of the property of the estate or property from the estate or to exercise control
4. Any act to create, perfect, or enforce against the debtor’s property any lien to the extent that such lien secures a claim that arose before commencement of the case under the particular section
5. Any act to collect, assess or recover a claim against the debtor that arose before filing
6. The commencement or proceeding before the Tax Court concerning a corporate debtor’s tax liability or a personal debtor’s tax liability for a taxable period ending prior to the filing of the estate.
7. Post-petition transactions by the debtor do not give rise to claims against the estate but are the debtor’s own responsibility. They can be enforced against the debtor through the normal collection methods of non-bankruptcy law
b. Activity Against Property of the Debtor
1. Prohibits any steps to create, perfect, or enforce a lien against property of the debtor to secure a pre-petition claim
2. Property acquired by the debtor after the petition, as well as certain property released to the debtor from the estate, falls into the new fresh start estate of the debtor
3. Forbids pre-petition creditors from seeking to satisfy their claims by attempting to establish or enforce liens against the debtor’s fresh start property
C. Activity Against Property of the Estate
1. The automatic stay applies to both the pre-petition and post-petition claims
2. A post-petition creditor of the debtor has no claim to property of the estate and has no right to try to reach estate property
3. Any act to create, perfect or enforce a lien against property of the estate
About Us
Casey Quiroga, a Spokane bankruptcy attorney, is the founder and partner of the Quiroga Law Office, PLLC. Casey handles different types of bankruptcies involving different types of assets and creditors.
Hector Quiroga, also a Spokane bankruptcy attorney, is a partner of the Quiroga law Office, PLLC, and practices in the areas of personal injury, immigration, and workers compensation.
The Quiroga Law Office, PLLC, is located at 505 N. Argonne Rd., Suite B-109, Spokane Valley, WA 99212. You can reach us by filling our form in the contact page or by calling 509-927-3840.
Pricing
Free one hour consultation!Please call 509-927-3840 to schedule an appointment!
There are some costs associated with filing bankruptcy. A Chapter 7 bankruptcy filing fee is $306 and a Chapter 13 filing fee is $299. Depending on your situation, you will be required to pay one of these amounts.
