Legal Services Offered

While my practice is centered on helping consumers get out of debt and protect themselves and their families in the event of death or incapacity, I am happy to offer additional legal services to my existing estate planning and bankruptcy clients.


Are you worried about mounting debt? Or facing a Judgment, Garnishment or Foreclosure?


Have you been putting off getting an estate plan for too long?


I offer my clients legal counsel regarding foreclosure, buying and selling real estate, Transfer on Death Deeds, and real estate matters generally.  


MULVANEY LAW OFFICES, PLLC does not do litigation.


Christopher S. Mulvaney, Esq. – My Mission:

To provide the best legal outcome, smoothest process, best value, and to make a positive difference in the life of each client.


I offer initial ZOOM legal consultations to prospective estate planning and bankruptcy clients for two reasons:


(1) determining if the issues are within my practice areas (the “wheelhouse”), and


(2) determining whether a potential client is willing to let me lead them to the best likelihood of achieving a favorable outcome with the smoothest process of getting there. 



EMAIL CHRIS MULVANEY FOR

A LEGAL CONSULT VIA ZOOM 

Please email me at chris@attorneymulvaney.com or use the form below to schedule your ZOOM consultation.

Electronic signing and Notary is available through DocVerify

Electronic recording is available through SimpliFile.

 



  • Seattle, Tacoma, Everett, Bellevue, Redmond, Renton, Issaquah, Sammamish, Maple Valley, Burien, SeaTac, and throughout King, Snohomish, and Pierce counties.


Before reaching debt collection defense described below, you may have documentation regarding a direct dispute with a merchant or service provider.  In that case, send PDF documentation to the merchant or service provider.  If unresolved, follow any available appeals process.  If still unresolved then the following steps apply:

  1.   Get a “free credit report” to see if the creditor has reported or if any accounts are in collections.
  2. Dispute” all inaccurate credit report entries with PDF documentation.  Close unused accounts.  (Dispute all incorrect entries on your credit reports online:   Experian Disputes    Equifax Disputes   Transunion Disputes)
  3.   If unresolved, follow any available appeal process.
  4.   If still unresolved and the account is sent to collections, dispute it, then proceed with the steps below.

There are steps that increase your chances of favorable resolution to debt issues: 

  1.   Ignore all calls and emails from creditors. Block them. Do not engage. Hang up.
  2.   Respond by mail with a “cease and desist letter” to each collection letter you receive.  Include the letter received. 
  3. Freeze your credit” , adjust tax withholding, file returns on time and get an “IPIN for your tax return”.
  4.  Evaluate your income sources and assets.  If you receive SS, a pension, unemployment, disability, and do not own a home or other assets, then you are collection proof.  Stop here – there is no reason to attempt to    settle or file bankruptcy.
  5.   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.
  6.   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.


Legal Services Offered

While my practice is centered on helping consumers get out of debt and protect themselves and their families in the event of death or incapacity, I am happy to offer additional legal services to my existing estate planning and bankruptcy clients.


Are you worried about mounting debt? Or facing a Judgment, Garnishment or Foreclosure?


Have you been putting off getting an estate plan for too long?


I offer my clients legal counsel regarding foreclosure, buying and selling real estate, Transfer on Death Deeds, and real estate matters generally.  


MULVANEY LAW OFFICES, PLLC does not do litigation.


Christopher S. Mulvaney, Esq. – My Mission:

To provide the best legal outcome, smoothest process, best value, and to make a positive difference in the life of each client.


I offer initial ZOOM legal consultations to prospective estate planning and bankruptcy clients for two reasons:


(1) determining if the issues are within my practice areas (the “wheelhouse”), and


(2) determining whether a potential client is willing to let me lead them to the best likelihood of achieving a favorable outcome with the smoothest process of getting there. 



EMAIL CHRIS MULVANEY FOR

A LEGAL CONSULT VIA ZOOM 

Please email me at chris@attorneymulvaney.com or use the form below to schedule your ZOOM consultation.

Electronic signing and Notary is available through DocVerify

Electronic recording is available through SimpliFile.

 



  • Seattle, Tacoma, Everett, Bellevue, Redmond, Renton, Issaquah, Sammamish, Maple Valley, Burien, SeaTac, and throughout King, Snohomish, and Pierce counties.