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Jacob D DeGraaff

Chapter 11 bankruptcy Attorney at Seattle, WA

5.0   9 reviews
  • Licensed for 18 years
    State WA
    Acquired 2005
    Active No misconduct found

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

About Jacob

Learn Jacob’s areas of practice.

I was born and raised in Whatcom County, Washington, near the US/Canadian border.   I am a proud partner in a Henry, DeGraaff & McCormick, a three-attorney firm based in Seattle, but I spend a great deal of time in our Bellingham branch office.   We assist consumers and small businesses with bankruptcy, debt settlement, and debt-related consumer rights litigation.  


I live in Bellingham, Washington with my wife and daughter.  When I'm not assisting clients, I enjoy fishing our local rivers and streams for salmon, trout and steelhead.



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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5.0 / 5.0
  9 customer reviews
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1 Star
Posted by anonymous | February 7, 2024
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Answered my questions when no one else would!
Paid consultation- I have been reaching out to attorney's for months without replies. It boggles the mind how many attorney's don't have simple customer service skills. I simply needed answers regarding some court documents. I emailed this attorney expecting no reply. The same day I got a reply. He let me know the fee for his service. I agreed. He sent me a link to pay. I paid the next day. I sent him my documents and questions. Within 2 hours of doing so I had the answers to my questions. This attorney is professional, responsive, timely, and knowledgeable. I would definitely contact him again if the need arises. I highly recommend this attorney.
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Posted by Cheri | December 14, 2022
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
"Attorney with Heart" and also specialized knowledge about Debt!
A few yrs ago I consulted with 3 different bankruptcy attorneys, then put off filing, during which time 2 of my 3 creditors (credit cards) debt has expired with the 6 yr Statute of Limitations in WA state. Now, post-Covid times, I found Jacob's firm through the NACA (consumer advocates) website and was so glad I did...! He has a warmth about him (as compared to most attorneys whose demeanor can be fairly stern) and took the time to really listen to the nuances of my situation. He seems *much* more knowledgeable about debt settlement scenarios and potential credit impacts than other attorneys I've spoken with or worked with, and ultimately recommended I *not* file bankruptcy and what my other options and next steps could be. I HIGHLY recommend Jacob, and would certainly call him again and hire him for any follow up needs now or in the future. Thanks so much, Jacob!
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Posted by anonymous | August 7, 2017
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
I consulted with Jacob today, I cannot thank him enough for taking the time to speak with me, he was clear and handled every question I asked with care and understanding. He has made a very dark cloud a little brighter.
Posted by Satisfied Chapter 11 clients | October 31, 2014
Honest Attorney with a Heart!
Jacob helped my husband I through our Chapter 11 Bankruptcy. HIs honesty and willingness to change directions with our circumstances is a true testament to his flexibility and commitment to work with his clients for their best life results. Jacob was always focused on our needs and desires concerning our real estate. Our rental portfolio was 3 rental properties but our circumstances were complicated and he treated us with the utmost care. We strongly recommend Jacob as a knowledgable yet open minded attorney. He is not an income driven attorney, but an attorney that gives great value and caring as his greatest assets. He works hard to get his clients the best result possible!
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Posted by Kim and Mike | October 25, 2014
Surviving a Chapter 11 Bankruptcy
We met Jacob in 2009 when we were trying to receive all the promised reduced loan help for the major Banks (BOA). We were told by these institutions that the only way to have the banks work with us was to get behind in our payments in other words trash our credit. So after 40 years of perfect credit never being late on any kind of a payment we stooped making our mortgage payments. We this just starting the barrage of phones calls. Anywhere from 10 to 15 a day. At this point we sought legal representation. We met with Jacob who instilled trust, confidence, and the belief that we could survive this nightmare and even come out ahead. Jacob very clearly explained the course of action we should take and held our hand through the very scary process of the bankruptcy nightmare. We were able to Keep the income producing properties while cramming down the amount owed and allowing the lending institutions to take back the properties that were not performing. It is my belief that we came out way ahead of the game but we owe the success to Jacob. I would highly recommend him.
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Posted by Jerry | October 25, 2014
Successful Chapter 11
Jacob successfully took over our Chapter 11 bankruptcy case when the original law firm we contracted with totally dropped the ball. His professional attitude and calm and efficient demeanor guided us through what could have been a much more agonizing process. He and his staff worked out a settlement which was actually better than my most optimistic expectation.
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Posted by anonymous | October 18, 2014
Best Lawyer!
Jacob was very knowledgeable and very nice to work with on my case. He always kept me informed of what was going on and what to expect. My case was not anything easy by far and Jacob and his team worked really hard to win my case for me. I would recommend Jacob to anyone.
Posted by anonymous | April 17, 2014
Excellent legal service, with trust and knowledge.
Jacob treated my case with professionalism and knowledge of the law. He made the process understandable and had the patience to explain the information in terms I could understand. He really cared about getting me the best outcome given my financial situation. I have recommended him to several friends and family members. Redmond, WA
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Posted by Richard | November 7, 2010
Knowledgeable and Professional
Jacob treated my case with professionalism and an extensive knowledge of the law. His patience and ability to convey the law in terms I could understand are also very important skills for any lawyer to have. I would recommend Jacob to anyone needing his services.
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Contact for Details


AVVO RATING 9.2 (Superb)

Work Experience

  • Partner
  • Henry, DeGraaff & McCormick, P.S.
  • 2012 - Present
  • Attorney
  • John Long Law PLLC
  • 2010 - 2012
  • Owner
  • The DeGraaff Law Firm, PLLC
  • 2010 - 2010
  • Associate
  • Macey & Aleman,P.C.
  • 2009 - 2009
  • Electronic Discovery and Technology (E-DAT) Lawyer
  • Kirkpatrick & Lockhart Preston Gates Ellis
  • 2008 - 2009
  • Associate
  • Libey, Ensley, Esser & Nelson PLLC
  • 2005 - 2007
View all work experience


  • Thomas Jefferson School of Law
  • JD - Juris Doctor
  • 2005
  • Western Washington University
  • BA - Bachelor of Arts
  • 2001

Sample of Legal Cases

  • Rupanjali Snowden, Debtor, v. Check Into Cash of Washington, Inc.,
  • The Ninth Circuit Court of Appeals, in a published decision, upheld the punitive damage award and overturned the lower court's denial of attorney fees.


  • American Bankruptcy Institute
  • Member
  • 2014 - Present
  • National Association of Consumer Advocates
  • Member
  • 2013 - Present
  • National Association of Consumer Bankruptcy Attorneys
  • Member
  • 2009 - Present
  • Washington State Bar Association
  • Member
  • 2005 - Present
  • WSBA Professionalism Committee
  • Chair - Member Outreach Subcommittee
  • 2010 - 2013
View all associations

Languages Spoken

  • English

Honors and Awards

  • Pro Bono Honors
  • Thomas Jefferson School of Law
  • 2005

Speaking Engagements

  • UW School of Law, Professional Responsiblity Class
  • Professionalism Beyond the RPCs
  • 2012
  • Seattle University School of Law Professional Responsibility Class
  • Professionalism: Beyond the RPCs
  • 2012
View all speaking engagements

Attorney endorsements

Received (8)
Given (11)
Endorse Jacob
Chapter 7 bankruptcy Attorney | Jul 10
Relationship: Worked together on matter
"Jacob is an excellent communicator and very knowledgeable about bankruptcy law. I wouldn’t hesitate to recommend him to my clients who need bankruptcy advice."
Chapter 13 bankruptcy Attorney | Feb 13
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Chapter 11 bankruptcy Attorney | Jun 26
Relationship: Fellow lawyer in community
"I endorse this lawyer. Jacob is one of the most creative and intelligent bankruptcy attorneys in the bar. I have been practicing bankruptcy for ten years and I can honestly say that I learn a new way of looking at debt and bankruptcy issues in every conversation I have with Jacob about a a case. When he approaches a solution for a client, he thinks outside of the box and develops comprehensive solutions that are the client's best interest. I am in awe of what he has done with the Chapter 11 practice he basically created from scratch while maintaining his interest and compassion for consumer clients in Chapter 13 and Chapter 7. I regularly refer cases to him now and ask him for advice to think through difficult issues even though I have been practicing bankruptcy longer than he has."
Unknown Attorney | Jan 03
Relationship: Co-worker
"I have had the privilege of working directly with Mr. DeGraaff on many complex legal cases, including bankruptcy, debt, contract, family law and general civil matters. His guidance is always concise, accurate and practical. Moreover, Mr. DeGraaff continues to impress me as one of the most ethical attorneys I have come across in our profession. I recommend Mr. DeGraaff wholeheartedly and look forward to working together for many years to come."
Chapter 11 bankruptcy Attorney | Sep 27
Relationship: Opposing Counsel on matter
"I highly endorse this lawyer's work. Jacob is a straight shooter. He will do his best to work with you and give you the sometimes hard, but honest answers. I continue to hear only the best about his work."
Bankruptcy and debt Attorney | May 21
Relationship: Fellow lawyer in community
"I endorse this lawyer's work."
Bankruptcy and debt Attorney | Apr 21
Relationship: Fellow lawyer in community
"I strongly endorse this lawyer's work. Jacob DeGraaf is a smart and personable attorney who works hard to produce the best results for his clients."
General practice Attorney | Apr 06
Relationship: Friend
"A very competent lawyer with excellent ethics."
View more endorsements
Real estate
Bankruptcy and debt
Bankruptcy and debt
Bankruptcy and debt
Chapter 13 bankruptcy
Real estate
Bankruptcy and debt
Personal injury
Seattle Chapter 11 bankruptcy Lawyer Jacob D DeGraaff
Jacob D DeGraaff
Chapter 11 bankruptcy Attorney
Seattle, WA
Licensed for 18 years