Resources: Debt Resources

Your Rights | Representing Yourself | Debt Resources | Certified Credit Counseling

Bankruptcy Clinics (King County Bar Association)

Free ½ hour of advice & consultation with a volunteer attorney on bankruptcy and debt issues. Clinic hours are Thursdays from 5:30-7:30 PM in downtown Seattle and Mondays from 7:00-9:00 PM in south Seattle’s Rainier Valley. Referrals may be made KCBA Volunteer Legal Services for representation for low-income KC residents. Appointments are scheduled Monday – Thursday from 9:00 – noon.

Chapter 13 Trustee’s Counseling Program

(206) 624-5124
A program through the Trustee’s office that provides money management/budget classes and case management for those on Ch 13 plan with short term financial problems.

Federal Trade Commission Website
Website includes consumer publications of facts and questions on fair debt collection, the Fair Credit Reporting Act, and other debt and consumer issues.

Free annual credit report

1 (877) 322-8228
FTC’s authorized free credit report source. Credit card is needed to download credit reports online but the card will not be charged. If you don’t have a credit card you can make a request by phone or submit a mail-in request form:

To contact Consumer Credit Report Companies directly:

  • Trans Union (800) 680-7289
  • Experian (888) 397-3742
  • Equifax (800) 685-1111

KCBA Make Change – Free Debt Education Class

(206) 267-7095
This is a free two hour class that will help clients address their debt issues, figure out when they need an attorney, what they can do on their own, and provide information on finding help. Topics include assessing your debt situation, dealing with debt collectors, how to respond to a collection lawsuit, and whether or not bankruptcy is right for you.

KCB A Lawyer Referral’s Low Fee

(206) 267-7010
The KCBA’s Lawyer Referral program offers low income clients representation in Chapter 7 bankruptcies for a flat fee of $400 plus the $306 filing fee (fee waiver may be available), and limited debt defense services for $75 per hour with an advanced fee deposit of $375 that covers the first 5 hours of attorney time.

KCBA Volunteer Legal Services 211

(206) 461-3200
Provides free representation for low-income KC residents with Chapter 7 Bankruptcy and some garnishment and general debt defense litigation in which the client has evidence contesting the debt. Clients must call for a screening.

Legal Action Center

(206) 324-6890
Assists individuals with debtor/creditor issues arising from landlord/tenant disputes.

Legal Voice Information & Referral Line

(206) 621-7691
The Legal Information and Referral line is staffed by volunteer attorneys, paralegals and law students who help callers define their legal problems, provided legal information and referral to institutions, organizations and attorneys who can help them. The website includes a “Community Debt” publication, which is a two-page memo that explains Washington law about marital or community debts.

U.S. Bankruptcy Court for the Western District of WA
Seattle: 206-370-5200
Tacoma: 253-593-6310
Individuals will file bankruptcy claims with this court. The website includes local rules, filing requirements, general orders, and court forms required to file a bankruptcy claim.

Washington Law Help
The website includes self-help publications on consumer/debt issues.