Services Tailored to Your Needs
Decades of Experience You Can Trust to Be in Your Corner
Diligent and Capable Representation in Everett and Throughout the Greater Seattle Area
The Law Office of Ken Schneider, P.S. has been helping Washingtonians manage their financial affairs since 1993. Our lawyer has nearly 30 years of legal experience and can assist you with bankruptcy, collection actions, estate planning, probate, tax issues, and more.
We strive to provide accessible services that are tailored to your individual objectives. Whether you are struggling with mounting debt or need help implementing estate planning tools, our firm is ready to provide the representation you need to achieve your goals.
We have assisted individuals and businesses with their bankruptcy filings for several decades. Our office understands the nuances and intricacies of the Bankruptcy Code and Washington’s bankruptcy courts. We know how bankruptcy filings are adjudicated and scrutinized and can leverage that knowledge to benefit your case. Our lawyer can also help you build an estate plan, navigate probate, and manage tax issues.
- Bankruptcy. We have substantial experience assisting clients with Chapter 7, Chapter 11, or Chapter 13 bankruptcy petitions. Filing for Chapter 7 or Chapter 13 bankruptcy can provide you immediate relief through the automatic stay, a court order that stops collection actions. The automatic stay can be utilized to stop a pending foreclosure, repossession, or garnishment. Completing a Chapter 7 or Chapter 13 bankruptcy will generally allow you to discharge remaining unsecured debts, including credit card debt and medical debt. We can evaluate your eligibility for bankruptcy and advise which type of filing is right for your situation.
- Chapter 7 Bankruptcy. Chapter 7 filings can provide relief to debtors with little to no current income. Nonexempt assets will be liquidated as part of the process, but you can protect and keep many essential types of property, including equity in your home, your car, your wages, and your government benefits. To qualify, your income must either be lower than the state’s average median income for your household size or you must have little to no disposable income. Our firm has routinely managed to secure Chapter 7 relief for clients that assumed they did not qualify.
- Chapter 13 Bankruptcy. Chapter 13 filings can assist debtors that have considerable disposable income but have fallen behind on bills. You will commit to a payment plan that reorganizes your debt into monthly installments. The amount of this installment is tied to what you can afford to pay, not the total size of your debt. These plans will last between three and five years. We can help you create a plan that will be approved by the bankruptcy court and provide you with the relief you need.
- Collections and Creditor Harassment. If you are being threatened with collection lawsuits or are being inundated with angry calls from debt collectors, our firm can help. All collection agencies and debt collectors are required to follow certain stringent laws that aim to protect debtors. We can help you understand and exercise your rights under The Fair Debt Collection Practices Act and other relevant legislation. We can also help you release liens and stop garnishments through bankruptcy.
- Stopping Foreclosure. Whether you wish to leave or save your home, having a foreclosure on your record can drastically limit your ability to seek future housing and credit opportunities. Our firm can help you identify and implement numerous foreclosure avoidance strategies. If you wish to keep your home, Chapter 13 bankruptcy can stop a pending foreclosure and allow you to cure mortgage arrears through your multi-year payment plan. Bankruptcy can also be used to eliminate liens and second (or third) mortgages. If you wish to sell your home, you may receive more through Chapter 7 liquidation than through foreclosure. We can help you explore all of your foreclosure avoidance options.
- Estate Planning. Proactive and strategic estate planning can help you avoid future conflict, protect your interests, provide you with enhanced control over your assets, and reduce tax burdens. Our firm can help you build and modify an estate plan that accomplishes your unique objectives and provides you with the peace of mind you deserve. We can assist you with your last will and testament, various types of trusts, powers of attorney authorizations, advance directives, and more.
- Probate. When a loved one passes away, their estate must be settled and closed. Hopefully, they will have finalized an enforceable will that names a personal representative – the person responsible for overseeing what can be a complicated and protracted process. The personal representative will need to notify heirs and creditors, inventory and appraise estate property, settle outstanding obligations, file the decedent’s final tax return, and distribute assets to beneficiaries. Conflicts are common and can drag out probate proceedings: There may be disputes over the validity of a will, creditor claim, or asset distribution. Our firm can assist personal representatives with every element of the estate administration process.
- Tax Debt. The Internal Revenue Service (IRS) can quickly make your life miserable if the agency believes you owe them money. The government has the unique ability to garnish your wages and place liens on your property without first securing a judgment. Tax liens are a matter of public record and will appear on background checks, meaning they can limit your access to future housing, employment, and credit opportunities. We can help you respond to letters from the IRS and address a variety of tax controversies, including the avoidance and elimination of liens and garnishments. Our attorney can directly negotiate a settlement with the IRS. We can also help you avoid future tax liability issues through estate planning, investment strategies, and the use of business entities.
If you have questions about bankruptcy, we encourage you to review our overview of the process. We can also help you understand what you can expect to keep in bankruptcy, how filing for bankruptcy can help you, and other special situations involving bankruptcy.