Jonathan Alexander Sprouffske's Answers

Which kind of company should I create?

While I echo the sentiment that you should find a good attorney, I would also suggest that you consult an accountant as well. Often the potential tax liability can be a driving force in determining what business structure is right for you. For some free resources I would suggest visiting the Washington Secretary of State’s Corporation Division. Disclaimer: I provide information about the law designed to help users safely cope with their own legal needs. But legal information is not the...

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I loaned a friend $250

The fact that you are posting this question in the Bankruptcy section makes me wonder if this is something that your friend has mentioned during the process. While the small claims court process is the correct(and most cost effective) course of action for a $250 debt, you still might end up with an unenforceable judgment. If he is already consulting with a bankruptcy attorney he might include your debt as an unsecured debt which would be dischargeable in a Chapter 7 bankruptcy.

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Should I file for bankruptcy while I am married or once divorced?

Bankruptcy can be a great benefit to spouses prior to finalizing the divorce/dissolution process. Bankruptcy can help establish what community debts exist, and more importantly what debts still need to be divided equitably between the parties after discharge of the bankruptcy has occurred. Many bankruptcy attorneys offer a free initial consult. If you are thinking that bankruptcy might be a possibility you should consider discussing your current options with a bankruptcy attorney....

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Can i include unpaid attorney fees in bankruptcy?

If the unpaid attorney fees are for prior representation then you may be able to include them as an unsecured creditor and have them discharged. You must include in your petition a true and correct copy of your debts and assets. As a result, you are required to list everyone. If you plan on utilizing that attorney post-filing (perhaps you are in the middle of a divorce) then I would recommend talking with that attorney prior to filing to see how your filing would impact your other legal...

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Does my land lord have to give us a copy of our signed lease?

You should have received a copy of the lease upon signing. Fortunately for you this is one area that the Washington State Legislature looked at this past session. A new section is being added to RCW 59.18 that will read: When there is a written rental agreement for the premises, the landlord shall provide an executed copy to each tenant who signs the rental agreement. The tenant may request one free replacement copy during the tenancy. This change will take effect 7/22/11.

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Is it better on my credit to make the min payments up to the bankruptcy?

While technically it is true that paying your bills prior to filing should help you keep your credit score higher as Mr. Weiss pointed out the cost of making those payments doesn’t likely outweigh the benefit of ceasing payment immediately. The exact number that your score will fall will likely be based upon the number of payments missed and number of delinquent accounts. Finally, if you are prepared to file when you first meet with your attorney and there aren’t any reasons to delay filing,...

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Have another question about the bank garnishment that I asked about the other day and it was answered by a lawyer.

I’m sorry to hear about the unfortunate situation that you have found yourself in. Sadly, both the bank accounts and wages may be garnished. However, depending on how the money was acquired in the bank account you may be entitled to claim an exemption. You should contact a collection attorney or bankruptcy attorney prior to the funds being disbursed. Disclaimer: I provide information about the law designed to help users safely cope with their own legal needs. But legal information is...

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Did not sign a lease

In Washington a "lease" requires the tenant to stay for a specific amount of time and restricts the landlord's ability to change the terms of the rental agreement. A lease must be in writing to be valid. Washington also acknowledges "month-to-month rental agreements". A "month-to-month rental agreement" is for an indefinite length of time, with rent usually paid monthly. This type of agreement can be written or oral. Based on the set of facts that you have described, it sounds like...

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Can a credit card company garnis my bank account if my only income is ssi and te account is troug a seperate bank in wa

They should not be able to successfully garnish the money as long as you file the appropriate exemption form as soon as you receive the writ of garnishment. You may also attempt to be proactive and send a creditor stating that your only income is SSI. Just be aware that you might be unable to access the money in your bank account between the time that the garnishment is sent by the creditor, and the time your claim for exemption is heard.

Need a answer sheet for a summons

This is not completely unusual. Your creditors are not bound by your agreement with the Hill Law Group, or any other company working as a debt consolidation company. Your best bet would be to contact the Hill Group and inquire as to what they are doing with this. If no response, I would talk to the creditor and explain your situation. If they are still not willing to work with you, you might want to find an attorney in your area that could help you file a chapter 7 bankruptcy. Most...