The first step is making sure the documents are accurate, that you understand them, and they reflect your wishes.  We can go over the asset list after your estate plan reflects your wishes if you would like to, but we don’t have to.  Doing so is technically outside the scope of legal insurance coverage, but if questions are minor (which they usually are) we don’t have to have a written discounted fee agreement for me to assist you.  


It is possible, for $500 for me to go through each beneficiary designation, payable on death, or titling in the name of the Trust as well as the letter of instruction, supporting materials, digital pictures, and contact information.  However, once I record the Transfer on Death Deed and people look at the sample Beneficiary Designations I put in the shared folder, they decide that they can do the personalization of their plan to their specific account numbers themselves.


After that, any time you want (even years in the future) you can update the spreadsheet and letter of instruction as well as add any documents you wish.  The link in the Trust will always be to the most current version of what is in shared folder.  


The idea is to make electronic sharing easier, so that you you can let your loved ones know where you keep the paper documents to round out your financial picture.  I suggest keeping redundant electronic and paper records like most people do for their taxes, and keeping estate planning documents with tax records.  This is especially helpful since one of the duties of estate administration is to file the final tax return of the deceased.


Legal Services Offered


THIS WEBSITE INCLUDES GENERAL INFORMATION AND

THE OPINIONS OF CHRISTOPHER S. MULVANEY WHICH ARE INTENTED 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 AN APPOINTMENT TO SPEAK WITH ME.


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’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.


Every client is an estate planning client. 

Additional services related to debt, bankruptcy, and real estate are available to estate planning clients.


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. 



CONTACT FORM




DISCLAIMER:  The use of email or this form for communication with MULVANEY LAW OFFICES, PLLC does not establish an Attorney-Client Relationship. Time-sensitive information should not be sent through this Form or through email.  Confidential information can be uploaded into a shared encrypted folder after you have made initial contact with me.


For more information about my practice in Bellevue, Washington, please consult my Blog.



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


If you have read this far, you may be interested to know what I need to explain to potential clients very quickly which is the intersection in the Venn Diagram above of my practice areas and insurance coverage. As you can see the numbers of case types that are not in my practice areas is large, as is the number of case types that are neither in my practice area nor covered by legal insurance. The intersection is what I call the Wheelhouse. It contains two practice areas – estate planning and bankruptcy that pay all of the bills.

The small miscellaneous bit of my practice which I only do in conjunction with estate planning (bankruptcy is also done in conjunction with estate planning, so every client is an estate planning client. The challenge to me is to quickly explain to prospective clients that the long list of miscellaneous services on the left side of the diagram do not pay the bills – they are simply done to assist my estate planning clients with other matters that are not economical for lawyers to handle in isolation, so they would likely have difficulty finding counsel to assist them.

That is the difference between paying out of pocket by the hour and using flat fee legal insurance. If you are paying by the hour, you have more latitude regarding what the scope of service includes and what it does not. However, if the issue is too small you are not likely to find a lawyer to assist you even if you are willing to pay more than the market hourly rate because many smaller cases interfere with revenue production, increase stress, and increase risk.

That is an important part of why I do what I do the way I do it. There are many lawyers to serve you if you have means, in the manner you wish to be served. However, the majority of middle class and lower middle class people do not have access to legal representation and advice when they need it. In 1979, I heard Jimmy Carter give a speech in which he said that America is over lawyered and under represented. That is more true now than it was then.

I see my niche in the law as representing people in the most economical way possible for the most people, which is through legal insurance. Egalitarian access to legal services affordable by as many people as possible is a value for me. I have the privilege of earning a living in a manner that is consistent with my values. So, if you choose to become a client of MULVANEY LAW OFFICES, PLLC I thank you for allowing me to be who I am in my work, and to serve with my whole self – not divorced from consideration for the good of society in the pursuit of forever more profit.

In order to effectively settle a debt you have to have negotiating leverage, which comes from the ability and willingness to file for bankruptcy protection. How much leverage you have depends upon if you qualify for Chapter 7 which requires no payments to creditors or if you have to file Chapter 13 which requires payments for 3 years for below median income debtors and 5 years for above median income debtors.

  1. Calculate your “Debt-to-Income Ratio”.  If over 35% consider bankruptcy since your chances of successfully settling with all of your creditors are poor. If under 35% consider a global settlement by offering a pro rata share of your payment amount or lump sum to all creditors. DO NOT ATTEMPT TO SETTLE WITH CREDITORS ONE AT A TIME – I have had many bankruptcy clients who wasted a lot of money doing so.
  2.   Calculate the “Median Income for your Your Family Size”.  If your debt-to-income ratio is under 35% and you are eligible for Chapter 7, and willing to file if necessary, then you have strong negotiating leverage. Tell all creditors in a written cease and desist letter (NEVER TALK TO CREDITORS ON THE PHONE) that you contacted a bankruptcy lawyer, are eligible for Chapter 7, would prefer not to file, but will be forced to file if the creditor sues. Then wait. Time is on your side as a debtor. Settlement opportunities ripen with time – they cannot be rushed.
  3. If you are not eligible for Chapter 7 and have to file Chapter 13, then let creditors know that if they sue you, you will be forced to file and they will receive some payment over 3 years or 5 years.
  4. IF YOU ARE NOT WILLING TO FILE FOR BANKRUPTCY PROTECTION IF NEEDED THEN YOU HAVE NO NEGOTIATING LEVERAGE.

Be aware that not all creditor’s counsel has settlement authority from their client. I have offered settlements to creditor’s counsel who said they would gladly accept, but their client won’t let them. Sometimes creditors need to write off the loss more than they need any payment from you. That is why I have had clients receive their partial payment checks back in the mail.

Bankruptcy is a last resort after all other options have failed. I have had a small number of clients whose families bailed them out and paid their debts once they told them they were going to have to file for bankruptcy protection. This is rare, but if you have such a family – be grateful for it.


Legal Services Offered


THIS WEBSITE INCLUDES GENERAL INFORMATION AND

THE OPINIONS OF CHRISTOPHER S. MULVANEY WHICH ARE INTENTED 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 AN APPOINTMENT TO SPEAK WITH ME.


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’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.


Every client is an estate planning client. 

Additional services related to debt, bankruptcy, and real estate are available to estate planning clients.


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. 



CONTACT FORM




DISCLAIMER:  The use of email or this form for communication with MULVANEY LAW OFFICES, PLLC does not establish an Attorney-Client Relationship. Time-sensitive information should not be sent through this Form or through email.  Confidential information can be uploaded into a shared encrypted folder after you have made initial contact with me.


For more information about my practice in Bellevue, Washington, please consult my Blog.



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


If you have read this far, you may be interested to know what I need to explain to potential clients very quickly which is the intersection in the Venn Diagram above of my practice areas and insurance coverage. As you can see the numbers of case types that are not in my practice areas is large, as is the number of case types that are neither in my practice area nor covered by legal insurance. The intersection is what I call the Wheelhouse. It contains two practice areas – estate planning and bankruptcy that pay all of the bills.

The small miscellaneous bit of my practice which I only do in conjunction with estate planning (bankruptcy is also done in conjunction with estate planning, so every client is an estate planning client. The challenge to me is to quickly explain to prospective clients that the long list of miscellaneous services on the left side of the diagram do not pay the bills – they are simply done to assist my estate planning clients with other matters that are not economical for lawyers to handle in isolation, so they would likely have difficulty finding counsel to assist them.

That is the difference between paying out of pocket by the hour and using flat fee legal insurance. If you are paying by the hour, you have more latitude regarding what the scope of service includes and what it does not. However, if the issue is too small you are not likely to find a lawyer to assist you even if you are willing to pay more than the market hourly rate because many smaller cases interfere with revenue production, increase stress, and increase risk.

That is an important part of why I do what I do the way I do it. There are many lawyers to serve you if you have means, in the manner you wish to be served. However, the majority of middle class and lower middle class people do not have access to legal representation and advice when they need it. In 1979, I heard Jimmy Carter give a speech in which he said that America is over lawyered and under represented. That is more true now than it was then.

I see my niche in the law as representing people in the most economical way possible for the most people, which is through legal insurance. Egalitarian access to legal services affordable by as many people as possible is a value for me. I have the privilege of earning a living in a manner that is consistent with my values. So, if you choose to become a client of MULVANEY LAW OFFICES, PLLC I thank you for allowing me to be who I am in my work, and to serve with my whole self – not divorced from consideration for the good of society in the pursuit of forever more profit.