The idea of filing for Washington bankruptcy is not something people want to think about. Sometimes a person's financial situation takes a turn for the worse, usually due to circumstances beyond their control, such as illness, unemployment or divorce. When these things occur, filing for personal bankruptcy may be the most appropriate course of action in order to eliminate a crushing load of debt. It may be the best step to take when the circumstances point to debt relief. Filing for personal bankruptcy can be a complicated legal process and should not be attempted alone. Making the right decisions and ensuring that you do everything correctly can be overwhelming. You should contact a Washington bankruptcy lawyer to help you determine whether filing for personal bankruptcy is the best option for you and your family. An experienced Washington bankruptcy lawyer comprehends the laws of the personal bankruptcy code and how they apply to your particular situation. Filing your personal bankruptcy case with a competent Washington bankruptcy lawyer can make a huge difference in the outcome of your case. There are two types of personal bankruptcy that are most often filed. In a Chapter 7 personal bankruptcy, your assets are sold and the cash is used to pay your debt. Some assets are protected, but many will be liquidated. And if the amount is enough to pay the debts, the rest is discharged. You owe nothing else. Chapter 13 personal bankruptcy is ideal if you own a home or car that you wish to keep. A repayment plan is arranged that would allow you to keep those assets. Your Washington bankruptcy lawyer will determine which type of personal bankruptcy is right for you. Once the personal bankruptcy process has begun, creditors will stop hounding you demanding further payments. They will stop harassing you with phone calls or any court proceedings. A Washington bankruptcy lawyer is committed to getting you debt relief and providing you with valuable services to help you create a better financial future.