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.


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



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.


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.


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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Our Mission


Our goal is to provide premier representation and litigation services for low and moderate income consumers who have limited or no other access to justice. We also aim to ensure that Washington State consumers have the knowledge and resources to protect their rights and help their families.