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Your Trusted Olympia Bankruptcy Legal Team
Olympia Bankruptcy Lawyers is a dedicated bankruptcy law firm serving clients throughout Thurston County, Washington. With offices in Olympia, Lacey, Tumwater, and surrounding areas, our experienced attorneys specialize in Chapter 7 and Chapter 13 bankruptcy cases, helping individuals and families regain financial stability. We understand the emotional and financial strain of overwhelming debt, and our team is committed to providing compassionate, personalized legal solutions. Our practice focuses on stopping foreclosures, halting wage garnishments, preventing repossessions, and eliminating unsecured debts through strategic bankruptcy filings. With decades of combined experience, we guide clients through every step of the bankruptcy process, from initial consultations to case resolution.Our attorneys are well-versed in both federal and Washington State bankruptcy laws, ensuring maximum protection of assets and optimal debt discharge outcomes. We offer affordable low flat fees and flexible payment plans to make financial relief accessible to all clients. Our team's expertise extends to complex bankruptcy matters such as mortgage modifications, lien removals, and debt restructuring. We pride ourselves on transparent communication, ethical representation, and unwavering advocacy for our clients' financial futures. With a proven track record of successful case outcomes, we remain committed to helping clients achieve lasting financial freedom.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Foreclosure Defense
Wage Garnishment Stop
Vehicle Repossession Defense
Debt Discharge
Automatic Stay Filings
Creditor Harassment Protection
Equity Protection
Financial Restructuring
Highlights and features
- We offer low flat fees with flexible payment options
- Our attorneys have decades of combined bankruptcy experience
- We provide personalized debt relief strategies for each client
- We guarantee 100% protection of retirement accounts in bankruptcy
- Our team stops foreclosures and wage garnishments immediately
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation. This process typically takes 120 days from filing to discharge. Clients must pass a means test to qualify. We help protect exempt assets up to Washington State limits while wiping out credit card debt, medical bills, and other unsecured obligations. Our attorneys ensure compliance with federal bankruptcy code requirements.
Chapter 13 Bankruptcy
Chapter 13 establishes 3-5 year repayment plans for debtors with regular income. This option stops foreclosures and allows mortgage arrears repayment. We help restructure secured debts while discharging unsecured obligations. Our team negotiates with creditors to create feasible payment plans that meet court requirements and protect client assets.
Foreclosure Defense
Our attorneys stop home foreclosures through bankruptcy filings. Chapter 13 allows mortgage arrears repayment over time while eliminating other debts. We protect up to $125,000 in home equity under Washington law. Our team works with clients to develop long-term solutions for maintaining homeownership and financial stability.
Wage Garnishment Stop
Bankruptcy filings immediately stop wage garnishments for most debt types. We help clients recover garnished wages from the past 60 days. Our attorneys handle creditor communications and court proceedings to protect client income while eliminating underlying debts through appropriate bankruptcy chapters.
Vehicle Repossession Defense
We stop vehicle repossessions through bankruptcy protection. Our attorneys help clients keep cars by creating payment plans or modifying loan terms. We protect transportation assets essential for employment and family needs while restructuring secured debt obligations under Chapter 13 provisions.
People
Erin M. Lane
Partner
Erin M. Lane is a founding partner specializing in bankruptcy law. With over 15 years of experience, she focuses on helping clients achieve financial freedom through strategic bankruptcy filings. She provides compassionate representation while maintaining aggressive advocacy for client rights.
Questions
What is Chapter 7 Bankruptcy?
Chapter 7 eliminates unsecured debts through asset liquidation. Most clients keep all property through exemptions. The process takes about 120 days from filing to discharge.
How does Chapter 13 work?
Chapter 13 establishes 3-5 year repayment plans for debtors with regular income. It stops foreclosures and allows mortgage arrears repayment while eliminating unsecured debts.
Can bankruptcy stop foreclosure?
Yes, filing any bankruptcy chapter immediately stops foreclosure. Chapter 13 provides the best solution by allowing mortgage arrears repayment over time while keeping the property.
Will I lose my car in bankruptcy?
Most clients keep their vehicles through exemption protections or reaffirmation agreements. Chapter 13 allows reduced payments on underwater loans through cramdown provisions.
How much does bankruptcy cost?
Chapter 7 fees range $750–$1,500. Chapter 13 averages $3,500. We offer flexible payment plans to make financial relief accessible for all clients.
Can bankruptcy stop wage garnishment?
Yes, bankruptcy immediately stops wage garnishments for most debt types. We can help recover garnished wages from the past 60 days through appropriate filings.
