Issues with your Mortgage?

Issues with your Mortgage? Bank non-responsive, slow to respond? You’re not alone—your family has several options.

Many honest American families are facing the terrifying risk of losing their home, making payments on a mortgage greater than the value of their home, or have changing payments tided to adjustable rate mortgages. You don’t have to lose the benefits of home ownership.

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Can You Qualify for a Home Loan Modification?

In 2011, the Washington State Legislature passed the Foreclosure Fairness Act (FFA) which imposed new duties on lenders as prerequisites to non-judicial foreclosure. [See RCW 61.24.030 and .031 for prerequisites to sale].

Qualified homeowners/borrowers facing foreclosure are permitted under the FFA to request a mediation, during which they attempt to reach an agreement with

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Bankruptcy

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is a liquidation bankruptcy. Technically this means that upon filing bankruptcy, the court appointed trustee liquidates the assets of your bankruptcy estate and sells them for the benefit of creditors. However, that sounds a lot worse than it really is. Most Chapter 7 bankruptcies are considered ‘non-asset’ cases. This means that the trustee makes a determination that there are no assets to be liquidated for the benefit of creditors.

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Chapter 13 Bankruptcy

A chapter 13 bankruptcy is also called a wage-earners plan, or reorganization. A Chapter 13 is used when you need to stop a foreclosure, reinstate a driver’s license, you earn too much money to qualify for a Chapter 7 bankruptcy. Perhaps you want to make your best efforts to pay off your creditors. A Chapter 13 bankruptcy may be for you. Chapter 13 is much more complicated than a Chapter 7.

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Do you Qualify?

See if you qualify

You qualify for our services if your income is within 400% of the poverty level.

NWCLC uses three basic criteria to determine whether a prospective client will receive assistance: the prospective client must be financially eligible for help based on the current Federal Poverty Guidelines, the type of case presented must be within NWCLC’s current case priorities, and the matter must be legally meritorious (meaning a “good case”).

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Articles

How to lighten slide victims' financial burden

By Bryan Adamson
The March 22 Oso mudslide was an unspeakable tragedy. As workers continue to search for still-missing loved ones, those who survived find themselves confronting a host of financial and legal uncertainties.

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Pro Bono Bankruptcy

Sheila O'Sullivan
I have long wondered where our sense of obligation to represent indigent clients comes from. We do not do pro bono work because the bar requires or urges us to. We do so because life has dealt us a great hand. We have obtained an advance education tht so many of our citizens cannont achieve.

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Rucker v. Nationstar Mortgage and Quality Loan Servicing