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When you are having trouble managing debt, two common solution options are bankruptcy and debt consolidation. Debt consolidation and bankruptcy are distinct financial strategies to manage debt. Each has its own effects on your credit, assets, and long-term financial health. Whether debt consolidation or bankruptcy is best for you depends on your financial circumstances...

Chapter 7 bankruptcy offers many advantages as a means of debt relief through debt discharge. But first, you have to qualify to use it, and that means passing the means test. If you want to know if you qualify for Chapter 7 bankruptcy, please call Stone Rose Law at (480) 630-2765 to get a...

If you are married and considering bankruptcy, how it will affect your spouse depends on whether you are filing individually or your spouse is filing with you. This decision can affect your separate and joint debts and your separate and marital property. Your decision about whether to file bankruptcy separately or together with your...

At Stone Rose Law, our bankruptcy lawyers represent Spokane residents during bankruptcy, including Chapter 7 bankruptcy and Chapter 13 bankruptcy.  Spokane is home to the U.S. Bankruptcy Court for the Eastern District of Washington. If you are considering bankruptcy in Spokane or eastern Washington, call us at (480) 739-2448 or use our contact form...

Student loan garnishment can start with little warning, reduce your paycheck every pay period, and make it harder to keep up with basic living expenses.  Many borrowers believe there is no way to stop student loan garnishment once it begins, but that is not accurate. There are several legal and administrative options available, and...