Christopher S. Mulvaney

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THIS WEBSITE INCLUDES GENERAL INFORMATION &

THE OPINIONS OF CHRISTOPHER S. MULVANEY.

THESE ARE INTENDED TO STIMULATE A BASIS FOR QUESTIONS RELATED TO YOUR PARTICULAR FACTUAL CIRCUMSTANCES – BEFORE YOU ACT. 

THIS WEBSITE DOES NOT CONSTITUTE LEGAL ADVICE.

IF YOU WANT LEGAL ADVICE, PLEASE MAKE A ZOOM APPOINTMENT TO SPEAK WITH ME.

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CONTACT CHRIS MULVANEY FORM

DISCLAIMER: The use of email or this form for communication with MULVANEY LAW OFFICES, PLLC does not establish an Attorney-Client Relationship.

If you don’t think I have responded, please check your spam folder.

Time-sensitive information should not be sent through this Form or through email. 

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“Education is what you get by reading the fine print; experience is what you get if you don’t read it.”

– from The Furrow, Volume 119, Issue 6

Ignore all calls and emails from creditors.

Block them.

Do not engage.

Hang up.

Respond by mail with a “cease and desist letter” to each collection letter you receive.  Include the letter received. 

Cease & Desist LetterDownload

“Freeze your credit” , adjust tax withholding, file returns on time and get an “IPIN for your tax return”.

USA.GOV CREDIT FREEZEDownload

If not, then Calculate your “Debt-to-Income Ratio”.  If over 35% consider bankruptcy.  If under consider global settlement by offering a pro rata share of your payment amount or lump sum to all creditors.

Calculate the “Median Income for your Your Family Size”.  If eligible for Chapter 7 tell all creditors in cease and desist letters when contacted or in a settlement letter.  File Chapter 7 if sued.  If not eligible for Chapter 7, evaluate Chapter 13. Be aware that even after all of these things are done, creditors’ counsel could still choose to sue you in which case interest, fees, and costs, would be added to the Judgment.  There is risk in delaying resolving issues with creditors both in terms of having to eventually pay more, delinquent credit reporting to credit bureaus, and of being sued and a Judgment being entered (an even bigger negative than a delinquency). If you are struggling to pay your bills each month and are overwhelmed by debt, it is time to learn the truth about bankruptcy.

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Christopher S. Mulvaney’s Mission:
To Always Be a Human Being First, and My Role Second. 
To First, Do No Harm, then to provide the best legal outcome,
smoothest process, best value, and to make
a positive difference in the life of every client.
Christopher S. Mulvaney’s Mantra:
May I be filled with loving kindness for all life.
May I be safe from dangers within and without.
May I be healthy in body, mind, socially, and spiritually.
May I be at ease and happy, doing good in the world.
I am an experienced solo estate planning, debtor bankruptcy, and real estate attorney.
At my law firm in Bellevue, Washington between Eastgate and Factoria, I do things a little differently.  I am passionate about helping people take control of their lives.
One of my primary practice areas is urgent (bankruptcy), and the other is important, but not urgent (estate planning).  Not letting the urgent crowd out the important is key.  I have made a choice to include the positive difference I make in the life of each client in how I calculate profit. This means I have higher job satisfaction, and happy clients who confidently give referrals.  
My goal is that my work is transformative for people during a challenging time in their lives.  At Mulvaney Law Offices, PLLC (MLO), you will not find a gatekeeper. There are no forgotten cases hiding on an associate’s cluttered desk.  It’s just me, working with each one of my clients one-on-one to resolve their legal concerns as favorably as possible.
As your lawyer, I will personally handle every aspect of your case. My office is not a factory churning out thousands of filings per year, where each case matters little.  
You, and your case, matter to me.

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Mulvaney Law Offices, PLLC is located in Bellevue, Washington, representing estate planning & probate, chapter 7 and chapter 13 bankruptcy, and real estate transactions clients in:
  • Seattle, Tacoma, Everett, Bellevue, Redmond, Renton, Issaquah, Sammamish, Maple Valley, Burien, SeaTac, and throughout King, Snohomish, and Pierce counties. 
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  • I serve all 39 Counties in Washington State.  Washington State residents can meet with me in Zoom/DocuSign from anywhere in the world, and I can notarize their electronic signatures because I am a remote online notary.  Just email me an image of your photo ID.
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