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Christina Latta Henry

Litigation Attorney at Seattle, WA

4.5   15 reviews

also known as Christina Henry, Christina L. Henry

  • Licensed for 23 years
    State WA
    Acquired 2001
    Active No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Christina

Learn Christina’s areas of practice.

Practice areas
  1. Litigation
    I fight debt collectors who sue on credit card debt, student loans, mortgages, condo dues and for other predatory issues.

    17 years, 20 cases

  2. Foreclosure
    I will help you save your home through litigation, a bankruptcy repaymetn plan or through a loan modification. I have years of experience in this area to assist you with the best options and I know the players in the industry and the law.

    18 years, 25 cases

  3. Appeals
    I have a track record of winning on appeal when the judges are wrong on the law and the law needs to be fixed.

    12 years, 10 cases

  4. Bankruptcy and debt
    Bankruptcy is the right choice for many people but rest assured if there is a viable alternative, I have the stills to make sure this is truly a last resort.

    20 years, 650 cases

  5. Debt settlement
    Debt settlement may be the best option if you have some access to cash to settle in a lump sum or when tied to litigation, may allow you to reduce what you owe. I am not afraid to sue on your behalf and if successful it may pay my fees too.

    18 years, 150 cases

I am a Seattle attorney who represents people who are underoing financial disfficulties. I know how to fight thetough battles. Unlike other firms, my firm does not just rubber-stamp form petitionsthrough to the Court. Unlike the big firms with theirbrand-new bankruptcy departments staffed with inexperienced attorneys, I haveyears of experience finding the kind of innovative solutions that otherattorneys often miss—and we always treat our clients like people, notjust names and numbers

I also take legal action when violations of the Fair Credit Reporting Act have occurred by Credit Bureaus and represent consumer and small business debtors in Chapter 7, 13 and 11 bankruptcy cases. When a debt negotiation plan works better, we work those out too.

A graduate of Boston College Law School, prior to Seattle Debt Law, LLC, I represented consumer and small business debtors at Crocker Kuno Ostrovsky, PLLC and residential mortgage lenders at Routh Crabtree Olsen, P.S. in bankruptcy cases throughout Washington State. She formerly served as law clerk to the Honorable Whitney Rimel, Bankruptcy Judge for the Eastern District of California.

I am a member of the National Association of Consumer Bankruptcy Attorneys.

I am fluent in Mandarin Chinese

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Henry& DeGraaff, P.S.
119 First Avenue South
Suite 500
Seattle, WA, 98104
Henry & DeGraaff, P.S.
301 Prospect St
Bellingham, WA, 98225
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4.5 / 5.0
  15 customer reviews
Posted by Tobey | May 5, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Christina knows how to get the job done right!
I meet Christina while helping a family member with legal problems. I was able to see first hand her professionalism and when I need an attorney she was my pick. To date we have Christina on retainer, and used her in two litigations. Both were successful for me. The last one was a bogus claim on my spouses credit report. I tried everything to get that off the report. But, with Christina's professional help the credit report was fix quickly, and the end result was my spouses credit score was back to perfect. If you need a trustworthy, professional attorney, I recommend Cristina Henry!
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Posted by anonymous | February 3, 2015
Chapter 7 bankruptcy client 2014
I had a very stressful situation that caused me to consult Christina Henry. We could not service our debt and things looked bleak. I thought about borrowing money from a family member but Christina said that was a bad idea. She told us what we needed to do and what we should expect. She charged a very fair fee for her service. Christina really knows the law and we were able to get a fresh start. It is wonderful to be stress free thanks in large part to her adept knowledge and service. I would highly recommend her.
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Posted by joe | May 23, 2014
5 stars are not enough; KUDO's Christina
In 2009 my husband and I were in a situation where we decided bankruptcy was our best option. I googled best BR lawyer Seattle and came up with with Christina Latta-Henry. She turned out to be extremely knowledgeable about Washington State laws regarding bankruptcy. She is a local business, not one of those big companies that have offices in various states. She knows the ins and outs of all types of bankruptcy, listens to your personal situation and lays out the options for you. We chose chapter 13 and she was there for us throughout the years to discharge. ...also when we found a FHA program for Chapter 13 refi's she interfaced wonderfully with our mortgage broker (Micheal Carpenter) She will provide a free assessment interview to start the process. She is the master and commander of her field. 5 stars are not enough
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Posted by M | March 13, 2014
Great Professional to Work with; Efficient, Helpful
I met with Christina Latta Henry on a consultation for a credit record matter. She was sharp, to the point and I was out of the office quickly. I was surprised at the brief and valuable information she gave me that I had not considered. In hindsight it was very straightforward and I was not considering my options. I honestly may not have ever fully considered my options if I did not meet with her. She was worth seeing and if I further need her expertise for this situation I will certainly follow up with her. She saved me a good deal of valuable resources before I attempted to solve the problem on my own. This is the type of expert I believe is worth my time and expense so I am writing this review to show my appreciation.
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Posted by JC | August 10, 2013
After only 2 years, we're buying a home again!
One Thanksgiving day, disaster struck our home and our insurance wouln't cover us. We had to move away. Within a year, our home was foreclosed and our home equity lender demanded repayment of a $50,000 loan. We were stuck and needed help, so we made an appointment with Christina Latta Henry. Christina had the answers to all our questions. She took the time to listen to our whole story. She suggested bankruptcy protection and helped us through the process. She personally represented us in court and gave us what has turned out to be exactly the right advice. Christina was aggressive with the process and challenged the system, getting us through discharge of a Chapter 7 Bankruptcy. I was impressed and very grateful. After we were discharged, we went home feeling like dogs with tails tucked between our legs.. Losing our home and facing a financial meltdown was somewhat crushing. We figured that would be many years before we rebuilt our credit again and, with a foreclosure and bankruptcy on our credit, forget about getting home loan. Boy were we wrong.. Since our discharge only 2 years ago: - We have finished paying off the truck loan we re-affirmed - We paid of our student loans - Other than one credit card with a small balance we used to rebuild our score, we lived debt free. And now -- we were just approved for a $475,000 home loan! I had to send a note to Christina to thank her again and I wanted to share our experience. We would not have gotten back up on our feet so quickly without Christina's help and advice. We trust her and would recommend her.
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Posted by anonymous | May 23, 2013
Thoughtful & Helpful!
I came to Ms. Henry for advise regarding a debt settlement manner. We used a free consultation for our initial meeting, in which she quickly cleared up some misconceptions I had regarding some issues at hand. During this consultation, she offered to formally work on my behalf but also suggested the cost-savings option of doing the work myself given: a) the size of the settlement, and b) her typical fee schedule for conducting such work. During our meeting she ended up advising a strategy, coaching and encouraging me, and in the end I left with a list of action items as well as a decent sense of how to handle each one. As the settlement progressed, I emailed her for further advice and guidance due to the vast discrepancy between her knowledge of law and my own. She always responded promptly and courteously, and I was very grateful for her support. What did Ms. Henry receive for her time responding to my emails and from our consultation? Not a cent. However, she now has my unflagging gratitude for her willingness to help someone through a time of need and duress, not to mention her efforts to find the most cost-effective strategy given the factors at play.
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Posted by L | August 10, 2012
Excellent Debt Reduction Negotiation!
Christina was excellent in negotiating close to .25 cents on the dollar for several debts that I incurred during the recent economic downturn. She was a great help to me and I highly recommend her!
Posted by Joann | February 26, 2012
Brilliant Attorney
If you are looking for an attorney that is truely the best and practices the way attorney's should - Christina Latta Henry is it! She was my attorney when I filed for bankruptcy a few years ago. A problem recently came up related to my bankrupcty and although this case was a few years back she took care of the situtation immediately and without any additional expenses. What sets her apart from other attorneys is she is practicing for YOUR justice.
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Posted by anonymous | October 25, 2011
Filing for bankruptcy
With the downturn in the economy, my income was cut by 60% over the past 2 1/2 years and I began living on credit cards. It became obvious in the summer of 2011, I was going to have to make the decision to file bankruptcy. This was the most difficult decision I have ever made. Christina was a referral via my son's previous New York law firm. I made an appointment and knew immediately I had chosen the right lawyer. She did not make me feel ashamed or guilty. She listened and then told me what my options were. She was with me every step of the way. As many times as I met with her, called her and e-mailed her, I do not know how she gives this level of service for what she charges. She is a bargain. No once did she indicate she was going to need additional funds to keep going. Thanks, Christina. You are one of a kind. DMF
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Posted by anonymous | June 21, 2011
Highly recommended
Christina and her staff were professional, sensitive and treated me with dignity and respect. As a professional who felt ashamed by needing to declare bankruptcy, Christina and her team made me feel valued, provided me with the knowledge I needed and I felt confident that she was handling my case. I would highly recommend her to anyone in need of a bankruptcy attorney. She clearly spells out your options, is kind, is aggressive (in the best possible attorney way) and works diligently on her clients' behalf.
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Posted by anonymous | June 30, 2008
A Very Professional and Caring Lawyer
Christina Latta was not only very professional, but was very sensative towards our needs in getting our case resolved. We were very concerned on resolving this matter in a short period, and she adheared to our needs by expediting this case within our thin margin of time that we had. She provided personal and professional attention that exceeded our expectations. I would recommend Christine Latta to any of my friends and family
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Posted by anonymous | April 30, 2008
Worked hard and knowledgably on my behalf and gave me hope
Christina Latta is someone I recommend whole-heartedly. When I, and my company, were struggling financially and about to go under, she showed me options I never knew I had, and then she followed through and protected me so that I ultimately did not have to declare bankruptcy and was able to satisfy nearly all creditors. She also became my intermediary with my staff and negotiated a payment plan on past-due wages. I attribute my survival from this tough time to her abilty and her personal involvement on my behalf.
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Posted by Ted | June 8, 2011
Clear and caring
Finding the right lawyer can be a tedious task. Christina was recommended to me by a company called Solid Ground and I'm glad they did. She, and her staff, asked all the right questions and listened to my questions and concerns without watching the clock. I feel that Christina really cares and would recommend her to everyone I know.
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Posted by anonymous | October 15, 2008
Slow Response
Although I was impressed with her aggressive approach and professionalism I did not hire her due to poor follow-through. Since she did not work on my case I am only providing a rating for responsiveness. I signed a fee agreement during my initial consultation with Christina Latta that anticipated payment of her fees to come from my legal insurance. The following week I received a courtesy copy of a letter my insurance sent to Christina denying the claim. After contacting Christina about the issue I decided to pay the fee myself and Christina said her office would mail a revised fee agreement for my signature. A month went by before I received the revised agreement, by which time I had hired another attorney.
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Posted by anonymous | September 19, 2008
Didn't do anything other than cash my retainer check.
When I first met Christina she was a bulldog - aggressive and knowledgeable. She was also aggressive about cashing my retainer check that day. Fine - I want an aggressive attorney. During the next 30 days, she promised in a variety of emails to get started on the case. Nothing. A month later, she promised again. Nothing. Three months later, I followup. Another promise to get started. Nothing. 3 months later, I talked to another attorney who mentions that the statute of limitations for my case is coming up and I have to act quickly. I give Christina 2 weeks to get moving or I'm going elsewhere. Nothing. 3 weeks later, I tell Christina I'm hiring another attorney and request that she provide me with an accounting of hours worked and a refund of the retainer. Although she won't provide an accounting and I don't think she's actually done anything, I agree to a refund of part of the retainer. Nothing - Two months later and I'm still waiting for that check. Summary: I dropped $500 bucks for an initial consultation that should have been free and nearly blew my case due to a statute of limitations issue.
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  • Free Consultation 45 minutes
  • Hourly Rates $ 330-330 per hour
  • Contingency 40%-45%
Payment methods
Cash, Check


AVVO RATING 9.5 (Superb)

Work Experience

  • Shareholder
  • Henry & DeGraaff, P.S.
  • 2012 - Present
  • Managing Attonrey
  • Seattle Debt Law, LLC
  • 2006 - 2012
  • Associate Attorney
  • Crocker Kuno PLLC
  • 2004 - 2006
  • Associate Attorney
  • Routh Crabtree & Olsen
  • 2002 - 2004
  • Law Clerk
  • The Honorable Whitney Rimel, United States Bankruptcy Court for the Eastern District of California
  • 2000 - 2002
View all work experience


  • Boston College Law School
  • JD - Juris Doctor
  • 2000
  • Inter-University Program for Chinese Language Studies
  • 1999
  • Dartmouth College
  • BA - Bachelor of Arts
  • 1994
  • Lakeside School
  • High School
  • 1990
View all education

Sample of Legal Cases

  • Goudelock v. Sixty-01 Association of Apartment Owners, 895 F.3d 633 (9th Cir. 2018).
  • This case dDischarged over $25,000 in homeowner’s dues and established a precedent for others.
  • Stafford v. Navient Solutions, Inc., et. al., No. 14-01458 (Bankr. WA.W.D. Nov. 5, 2015).
  • Clients dishcharged over $666,415.47 in private student loans and set up payment plan for the remaining $67K at 1% intreest over 20 years and helped consolidate federal loans of $185K in a federal repayment plan of $350 a month
  • In re Snowden, 769 F.3d 651 (9th Cir. 2014). (9th Cir. 2014).
  • Order affirming Bankruptcy Court Ruling
View all legal cases


  • Washington State Bar Association, Legislative Committee
  • Attorney Member
  • 2013 - Present
  • National Association of Consumer Advocates
  • Member
  • 2007 - Present
  • National Association of Bankruptcy Attorneys
  • Member
  • 2007 - Present
  • King County Bar Association, Young Lawyers Division
  • Elected Board Member
  • 2005 - 2007
View all associations

Languages Spoken

  • Mandarin
  • English


  • King County Bar Bulletin, Chinese Law
  • "How Do You Ensure Payment for Transactions In China", King County Bar Bulletin, Chinese Law, 2006
  • 2006
View all publications

Speaking Engagements

  • Bankruptcy 101: Critical Issues and Chapter 13 Plan
  • Bankruptcy 101
  • 2012
  • Petition, Schedules and Plan: Preparation Workshop
  • Bankruptcy Workshop
  • 2011
  • KOMO TV News
  • Washington State Homestead Exemption
  • 2008
  • Home Sweet Home: Owning the American Dream
  • Home Foreclosures
  • 2008
  • Consumer Bankruptcy: The Basics of Chapters 7 and 13
  • Bankruptcy Ethics
  • 2008
  • Bankruptcy Bootcamp Seminar
  • Bankruptcy Chapter 7
  • 2008
View all speaking engagements

Attorney endorsements

Received (5)
Given (11)
Endorse Christina
Bankruptcy and debt Attorney | Jul 09
Relationship: Fellow lawyer in community
"I endorse this lawyer. Christina is a savvy attorney. She provides clients and prospective clients with excellent advice and legal services. I refer clients to her without hesitation and encourage others to do the same!"
Bankruptcy and debt Attorney | Jul 02
Relationship: Fellow lawyer in community
"I endorse this lawyer. Christina Henry is one of the most experienced attorneys in the Puget Sound region in providing clients with highly competent legal advice to help them resolve diverse debt related issues. Christina treats every case with an open mind and develops a strategy specific to each case to accomplish her clients objectives. I would highly recommend Christina to anyone who has complex debt related issues and wants an attorney capable of utilizing multiple approaches and legal strategies to achieve results."
Bankruptcy and debt Attorney | Jun 26
Relationship: Fellow lawyer in community
"I endorse this lawyer. Christina is a tireless consumer advocate. She is one of the few bankruptcy attorneys in our district who litigates bankruptcy matters on a regular basis, and is not afraid to appeal when she knows she is right. In the end, she is usually successful. She has the experience and intuition to know how to frame the issues in the light most favorable to her clients, and the sense to know when not to litigate or appeal (an increasingly rare quality these days). I first met Christina when we presented at a bankruptcy seminar together, and I was immediately impressed by her vast knowledge and experience (which I have since come to rely on for advice). I would not hesitate to refer complex (or simple) bankruptcy clients to her."
Chapter 11 bankruptcy Attorney | May 17
Relationship: Worked together on matter
"I endorse this lawyer. I have known Christina for over 12 years and throughout that time I have observed her outstanding ability to consistently solve complex legal matters. Over the years, I have observed Christina remain loyal to her clients and family even when faced with major challenges. Her integrity, intelligence and empathy are only some of the qualities that make her reputation in the legal community so positive. Christina is a person who does not cut corners. She genuinely cares about her clients and goes beyond the call of duty to provide first class legal representation. Having worked with her in law school and on occasion after we graduated from law school, I have a unique advantage to evaluate her legal skills, efficiency, integrity and client relationships. Therefore as an attorney who has worked with Christina who knows her and her family very well, I endorse her with no reservations."
Bankruptcy and debt Attorney | Apr 30
Relationship: Fellow lawyer in community
"Christina is a real star in the areas of bankruptcy and disputes between debtors and creditors. If I run across clients with debt issues, I send those clients to Christina, who is smart, talented, and a problem-solver."
Consumer protection
Chapter 13 bankruptcy
Debt collection
Bankruptcy and debt
Speeding and traffic ticket
Bankruptcy and debt
Chapter 7 bankruptcy
Wills and living wills
Chapter 13 bankruptcy
Chapter 11 bankruptcy

Avvo Contributions

11 Legal Answers 0 Legal Guides
Seattle Litigation Lawyer Christina Latta Henry
Christina Latta Henry
Litigation Attorney
Seattle, WA
Licensed for 23 years
Free Consultation