950 Pacific Avenue, Suite 1050, Tacoma, WA 98402

Chapter 13 Bankruptcy

Filing for Chapter 13 bankruptcy in Washington, in the midst of financial difficulty is a great option. Mr. Jones is an experienced Tacoma bankruptcy attorney, when it comes to financial burdens. Scheduling a free consultation at our law firm would be the best step you could take to reach financial freedom.

There is nothing to be ashamed of when filing for bankruptcy. Bankruptcy’s purpose is to give people in financial trouble a fresh start. The main difference between a Chapter 7 and Chapter 13 bankruptcy is that in a Chapter 13 bankruptcy you reorganize your debt into a monthly payment plan. This payment plan can help you catch up on your mortgage, back taxes and other debts. We help you manage your debt and take back control of your life, your finances and peace of mind.

Our job is to make sure that your rights are not violated and your debt is paid off through our customized payment plans. At the Law Offices of James A. Jones, we show that we are a caring and passionate law firm willing to go the extra mile for our clients. It’s our mission to get you back on track.

Is Chapter 13 Bankruptcy the Best Plan For Me?

Chapter 13 bankruptcy is a great idea for those that have the money but are behind on their car or mortgage payments. Your delinquent payments are spread out over a period of time to give you the opportunity to catch up. Most of our clients love this option.


In recent years there have been more foreclosures than the country has ever seen. Most of these homeowners were never behind on their payments, but due to the economic downturn it has become a common story. Filing Chapter 13 has helped people all across the state of Washington with keeping their homes.

Similar to Chapter 7 bankruptcy, with Chapter 13 you can keep most, if not all, of your property, unless they are expensive assets. Your home can have up to $125,000 in equity. Your retirement accounts, such as your IRA and 401k are exempt property and therefore, cannot be touched by your creditors. Most other assets needed for daily living are also exempt.

The Good News

Filing bankruptcy imposes an automatic stay to all of your creditors. Once filed, the bankruptcy automatic stay prevents creditors from contacting you through letters or phone calls any further. It also can prevent foreclosure sales, garnishments and lawsuits.

To find out more information, give our law office a call today at (253) 383-7058 or you can also fill out the contact form on our website and we will respond promptly.

Free Consultation

Why Choose Us?

  • Your first meeting is always free
  • Flexible payment plan option
  • Evening Hours available by appointment
  • Flat fees, No hidden charges
  • Appointment flexibility

We accept the following payment methods
  • Cash
  • Check
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