Gregory J. Jalbert's Answers

I am being sued by Alliance One. They we able to get a judgement on my bank account, are any lawyers aware of this company?

Alliance One is a collection agency licensed in the State of Washington. If you have more debt than you can afford to pay you might want to consider filing a bankruptcy proceeding. That will stop further garnishments. Many attorneys like myself provide free initial consultations.

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My wages are garnished and each paycheck they are taking almost 30% and I'm behind with other bills due to this garnishment .

My best advice to you is to seek the advise of a competent bankruptcy lawyer. Most bankruptcy lawyers offer a free consultation. Make sure that you select an attorney that has been practicing law for a considerable period of time and who's emphasis is on bankruptcy law. When you call to make an appointment be sure to find out what documents you should bring to your meeting in order to get the maximum benefit from your free consultation.

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Filing Chapter 7 - Are we required to notify landlord?

I do not notify landlords in chapter 7 cases where client is current in rent and wants to continue renting. It has never been a problem.

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If I agree to a notarized payment arrangement with an insurance company, could the agreement later be included in bankruptcy?

I suggest you contact a local bankruptcy attorney like myself who provide free initial consultations to see how best to proceed With best regards, Greg Jalbert

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Should I go bankrupt while my sole proprietor business is still open? or wait till it's closed?

Normally you would close the business at or before the filing of a chapter 7. Having said that, I suggest you schedule an appointment with a bankruptcy attorney to review your situation and establish a plan on what to do and when to do it. Some pre-bankruptcy planning is always a good idea. Feel free to have a look at my website as there is a lot of information there that might be helpful in answering questions.

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How do I respond to a writ of garnishment, if the 20 days to answer has passed but I was just served the paperwork yesterday?

If you are overwhelmed with debt you might consider discussing your situation with a bankruptcy attorney to learn your options. Many, like myself, do not charge for initial consultations.

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WA state debt collection law, collecting after getting a judgment

Your first need to record your judgement in District or Superior Court. After that you can begin the process of obtaining a Writ of Garnishment. Garnishments are effective to obtain money from wages or bank accounts and you indicate she is not working. You might want to turn this matter over to an attorney who does collection work or a collection agency as collecting judgments is not easy and can be quite time consuming. Her husband is not indebted to you so you have no right to his income...

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I am a sole proprietor of a small business and am saddled with both personal and business loans. Can one bankruptsy solve both?

Yes. Best to sit down with a competent bankruptcy attorney and review options.

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How do I determine whether to file for bankruptcy under Chapter 7, or Chapter 13?

I suggest you sit down with an experienced bankruptcy attorney and go over your situation completely in order to decide what type of case is best. Many bankruptcy attorneys like myself do not charge for initial consultations.

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Can I include my home in CH7 BK and include my HOA dues?

Timing of what you want to do is very important so i suggest you contact a competent bankruptcy attorney before you file.

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