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Can a bankruptcy in WA stop a garnishment, repossession, or foreclosure of Washington based property?

April 26, 2017Bankruptcy based foreclosure garnishment Property repossession Washington

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Can a bankruptcy in WA stop a garnishment, repossession, or foreclosure of Washington based property?

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Yes. Immediately when you file bankruptcy, all garnishments issued by Washington State Courts and all foreclosures in process for property located in the State of Washington are automatically stayed (stopped). If you need time to catch up missed payments, a Chapter 13 can be used to spread missed payments over the time period of the Chapter 13 plan. If you are not willing to use a Chapter 13 to make up back payments, a secured creditor can request Bankruptcy Court permission to continue with a repossession or foreclosure. Robert J. Reynolds P.S. can help you decide what the best course of action with respect to secured debt that is in a default status.