Bankruptcy in Washington

Washington has two federal bankruptcy districts. Chapter 7 fees range $1,500-$2,800, Chapter 13 costs $3,200-$7,000. Washington exemptions include an unlimited homestead exemption (as of 2021 reform), $3,250 motor vehicle, and $3,000 general personal property. The unlimited homestead exemption is among the most generous in the nation. Washington residents must use state exemptions. King County bankruptcy filings are driven by high housing costs, student loan debt, and medical expenses. The Western District has specific local rules regarding attorney fee structures in Chapter 13 cases. Washington's community property system creates unique considerations for married filers.