If you're tired of mounting debt and creditor harassment, you need to find financial solutions that help you get a fresh start. There are usually several answers to any debt problem - including garnishment, foreclosures, repossessions, and aggressive collections. But delaying action can cost you more money or even your home.

There is more than one form of bankruptcy, and an experienced attorney can guide you through the choices. Chapter 7 bankruptcy is the most common type used in the United States. It is designed to eliminate most of your unsecured debt including credit cards, medical bills, bank loans and even repossessions and foreclosures. It can provide you with the opportunity for a new beginning without the burden of significant debt.

Chapter 7 is relatively fast and inexpensive. With instant electronic filing, you will experience immediate relief from all collection activities.

The Law Office of Richard Ross Will Protect Your Assets

At the Law Office of Richard Ross, our attorneys expertly guard your assets from liquidation. We know the various legal and strategic methods of protecting our clients' assets. Using these methods, virtually none of our Chapter 7 clients have lost assets to liquidation that they wished to protect. We offer debt resolution services and bankruptcy in Vancouver, Washington and surrounding areas, including Portland, Oregon. As a premier bankruptcy firm, we have helped over 10,000 clients solve their debt problems.

In lieu of chapter 7 bankruptcy, you may choose chapter 13 - a personal financial reorganization plan. It is sometimes referred to as a wage earner plan. Chapter 13 is designed to reorganize and restructure your debt with the assistance and enforcement of the court. Your debts are paid through a 3- to 5-year payment plan. However, the plan does not typically require full repayment of debt, and it also allows for prioritization of debts.

Other debt solutions include debt consolidation (alternative payment arrangements), payment workouts (like consolidation but limited to a few creditors), compromise solutions (negotiating reductions of principal with a lump sum payment), litigation (legal defense), and debt abeyance (stopping creditor harassment).

One of our expert bankruptcy attorneys in Vancouver, WA will guide you through your options based on your individual financial situation. Because our firm is exclusively dedicated to debt resolution and bankruptcy services, we can provide our clients with the broadest range of possible options.

Your first phone consultation with an attorney is free, and we offer affordable and flexible payment plans to fit every budget. We know that having too much debt is a temporary setback, and we'll treat you with respect and dignity.

Call (360) 699-1400 in Vancouver or (503) 246-3861 for more information or to talk with one of our attorneys.

"We want to thank you very much for all you did for us with our bankruptcy case. We really appreciate all you did. We would highly recommend you."