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About me

I am a creditor-debtor attorney at heart.  I have spent my entire career working in this area of law on both the creditor and consumer side.  This has given me a perspective that makes me more effective than attorneys who handle only one or the other side.  If you need assistance, either for creditors or debtors rights, give me a call and see how I can help put my experience on your side.


Practice areas


  1. Foreclosure: 25%
    6 years, 40 cases
  2. Bankruptcy: 25%
    26 years
  3. Debt Collection: 20%
    26 years, 200 cases
  4. Litigation: 20%
    29 years, 5 thousand cases
  5. Other: 10%
  6. More 



Contingent (33-40%), Fixed (sometimes), Free consultation (15 minutes)

Payment types:

Cash, Check, Credit card

Attorney endorsements

12 total 

Are you an attorney? Endorse this lawyer

  • Drew Davis

    Mr. Morningstar is one of the most knowledgeable members of his field, and a zealous advocate for his client while still being cordial and polite.


    Drew Davis Personal injury Attorney
    Relationship: Opposing Counsel on matter

  • Jennifer L Treadwell Karol

    Tom is a fantastic lawyer! He is extremely knowledgeable and does high quality legal work. I endorse him.


    Jennifer Karol Litigation Attorney
    Relationship: Fellow lawyer in community

Contact info

Washington Debt Law PLLC (Main Office)

2611 NE 113th Street, Suite 300A
Seattle, WA, 98125

Washington Debt Law, PLLC

4742 42nd Ave SW Ste 415
Seattle, WA, 98116

Washington Debt Law, PLLC

23745 225th Way
Auburn, WA, 98038

Washington Debt Law, PLLC

PO Box
Bellingham, WA, 98226

Washington Debt Law, PLLC

1612 4th Street
Marysville, WA, 98270



We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
Pro Bono Publico Service CommendationWashington State Bar Association2014
Pro Bono Publico Service CommendationWashington State Bar Association2013
Volunteer of the YearKing County Bar Association2012
2012 Contributor of the Year Landlord TenantAVVO2012
Pro Bono Publico Service CommendationWashington State Bar Association2012
Pro Bono Publico Service CommendationWashington State Bar Association2011
Work experience
TitleCompany nameDuration
Of CounselWashington Debt Law, PLLC2012 - Present
Managing AttorneyLaw Office of Thomas Morningstar2003 - Present
AttorneyStephen C. Duringer & Associates2001 - 2003
Attorney- Allied Insurance Special Investigations UnitNationwide Insurance1998 - 2001
AttorneyLee A. Wood, Inc.1998 - 2003
AttorneyMichael A. Dolan & Associates1993 - 1998
Association namePosition nameDuration
King County Bar Association Housing Justice ProjectVolunteer Attorney2012 - Present
Snohomish County Bar Association, Housing Justice ProjectVolunteer Attorney2012 - Present
Washington State Bar Association, Solo and Small Practice SectionMember2012 - Present
Washington State Bar Association, Creditor-Debtor SectionMember2012 - Present
Legal cases
Case nameOutcome
Manley v. Krebs$60k non-dischargeable judgment awarded
See all legal cases 
Publication nameTitleDate
WDL BlogFee Reasonability in Collection Cases2015
probonodicta.comBenefits of Volunteering2011
School nameMajorDegreeGraduated
Pepperdine University School of LawMediationCertification2005
University of San DiegoTaxationLL.M - Master of Laws1988
Willamette University College of LawLawJD - Juris Doctor1987
Washington State UniversityPoli SciOther - Bachelors1984
Speaking engagements
Conference nameTitleDate
WDL In House TrainingUnlawful Detainer Basics2015
WDL House SeminarEvidence in Unlawful Detainer2012
PSIA Annual SeminarInsurance Fraud1996
Oregon IASIU Annual TrainingInsurance Fraud Investigations in Oregon1996