Bankruptcy is filed in federal bankruptcy court. You must list all your assets and all your creditors. Aside from that, I don't understand what you're asking.
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Your question as written does not make sense. Bankruptcy is a Federal Court proceeding. To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation with an experienced WA bankruptcy attorney. Use AVVO's Find a Lawyer tool to select a qualified attorney. Good luck. THIS IS NOT LEGAL ADVICE! YOU NEED TO SPEAK TO AN ATTORNEY WHO IS LICENSED IN YOUR STATE FOR LEGAL ADVICE. This is merely suggestions for you to think about in discussing your situation with the local attorney.
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No attorney knows what you mean by SOS. There is ONLY Seattle, Spokane and Tacoma to file your case..and if you live in SEattle, then it is SEattle where I practice. We do know you dont want to try to file a case w/o an attorney. Too many facts and issues can affect your case and not reversible. Thus I will point out some of those next.
You need and want to enjoy your fresh start also. But the most important thing is to meet with an attorney as you asking this question means you have not. You care about 2 goals: keeping everything you have equity in and discharging all your debts. If you don't have any of the exceptions to discharge you will obtain that goal; most exceptions are set forth in 11 USC. 523 (Google it) like child support, some income taxes, traffic (in a ch 7) , criminal fines , and the presumption of “student loans”. But some debts are dischargeable in a ch 13 but NOT in a ch 7 so you want to make sure and your attorney will discuss any such types with you also!
When you file bankruptcy, once the case is filed that date governs many issues. It is too late if you employed a rookie attorney or some attorney hurrying to fast and made a mistake. You want to find an attorney who is NOT new to this but has filed many cases and both ch 7 and ch 13 cases. Us attorneys who have been practicing for years have seen the unfortunate cases where someone frankly had bad advice and I hope you are not one of those either!
Your exemptions depend on what state you have lived in in the last 2 years and thus if in our Washington State, then our states exemptions will apply. Most persons filing keep everything they own but your attorney will confirm that with you when they learn everything you own and the equity thereof!
Some secured debts like homes, vehicles, other secured debts an attorney will discuss your options on also as you must list any debts; but that does not mean you will lose them unless you have too much equity or are in default on paying for them! Discuss those options if they apply with your attorney too.
But other issues can arise that can greatly harm your case. Just one example: If you paid back a relative $3,000 11 months ago and now file bankruptcy next week, the trustee can SUE that relative to retrieve that $3,000 (under what is called a preference) for the benefit of the bankruptcy estate. As a result, most attorneys don't charge to meet with them the first meeting so meet with one no matter what.
A few great attorneys can be found right here on AVVO in our state so look, call, and meet one as soon as you can. Some attorneys practice different areas of law besides bankruptcy , especially newer attorneys as the number of filings has decreased and that may also affect how fast they can meet you and help you file! We only practice bankruptcy and can help anyone in Western Washington to as anyone filing in Western Washington no matter where they live must file in either Seattle or Tacoma which is where the federal Bankruptcy Courts are located!
Most attorneys, like our firm, do not charge to first discuss your case with you so call one now.
You should also want to know when to file: is there an advantage of waiting versus filing now and who should you pay between now and then! Good luck and enjoy your later fresh start.
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