Eliminate Debt and Rebuild Your Future

Chapter 7 Bankruptcy

A Fresh Start for Your Finances.

Debt can feel like a never-ending burden, making it difficult to plan for the future or even handle everyday expenses. If you’re struggling with credit card debt, medical bills, personal loans, or other financial hardships, Chapter 7 bankruptcy may provide the fresh start you need. At Kuhlman Law Office PLLC, we help individuals in Seattle, Bothell, Everett, Mill Creek, Lynnwood, Woodinville, Redmond, WA and beyond take back control of their finances through Chapter 7 bankruptcy. We offer clear guidance, straightforward legal advice, and a compassionate approach so you can move forward without overwhelming debt holding you back.


Chapter 7 bankruptcy, also called "liquidation bankruptcy," allows you to wipe out most unsecured debts, including:


✔ Credit card balances
✔ Medical bills
✔ Personal loans

✔ Utility bills
✔ Payday loans

What Chapter 7 Can’t Eliminate

If you have a mix of dischargeable and non-dischargeable debts, we can help you explore other legal options to manage or reduce your financial burden.

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Alimony & Child Support

These are court-ordered payments that remain legally enforceable and must continue after bankruptcy.
A hand is chained to a dollar sign.

Certain Tax Debts

Some tax obligations, like recent income taxes and payroll taxes, cannot be discharged, though older income taxes may qualify under specific conditions.
A group of people sitting in front of a graduation cap.

Student Loans (except in rare cases)

Federal and private student loans are usually not dischargeable unless you can prove extreme financial hardship through an adversary proceeding.
A line drawing of a judge 's gavel and a block.

Court-Ordered Fines/ Fraud Related Debts

Debts from criminal fines, penalties, restitution, and debts obtained through fraud, misrepresentation, or malicious actions remain your responsibility.

Need Help with Student Loan Discharge?

While student loans are typically not dischargeable in bankruptcy, there are specific legal pathways that may allow for relief in cases of undue hardship. If you're struggling with student loan debt and looking for options, we recommend speaking with an attorney who specializes in student loan discharge cases.



For guidance on student loan debt relief →

Frequently Asked Questions

Filing for bankruptcy can feel overwhelming, but having the right information can help you make an informed decision. Below are some of the most common questions people have about Chapter 7 bankruptcy.

  • How do I know if I qualify for Chapter 7?

    To qualify, you must pass the "means test," which compares your income to Washington’s median income for your household size. If your income is below the threshold, you likely qualify. If it’s above, you may still be eligible based on your expenses and financial obligations. We can help assess your eligibility during a free consultation.

  • Will I lose my home or car if I file for Chapter 7?

    Most people can keep their home and vehicle if they’re current on payments and the equity in these assets falls within Washington’s bankruptcy exemptions. If you’re behind on payments, Chapter 7 may not prevent foreclosure or repossession, but Chapter 13 bankruptcy might be a better option.

  • How long does the Chapter 7 process take?

    Most Chapter 7 cases take about 4 to 6 months from filing to debt discharge. After submitting your case, there will be a Meeting of Creditors, and if everything is in order, your eligible debts will be eliminated at the end of the process.



Take the First Step Toward Financial Freedom.

Chapter 7 bankruptcy can help you eliminate debt, stop harassment from creditors, and rebuild your finances. We are here to answer your questions and help you through the process.
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