Estate Planning with Minor Children

If you are a parent with minor children, it is critical that some basic steps are taken to ensure your children are protected in the event of your passing. While many parents may have the best intentions, unfortunately, a few wrong decisions can be very costly for your children.

One of the most common mistakes our office sees is when a parent names a minor child as the beneficiary of an asset, like a life insurance policy or other financial assets. While the intention in listing the minor child as the beneficiary was to ensure that the inheritance would go directly to the minor child, that unfortunately is not what would end up happening. This is because, in Washington State, a minor child is not competent to receive an inheritance. So, listing the minor child as the beneficiary ends up creating a guardianship proceeding for the inheritance, and many expenses result from this court process. In addition, this court process will remain in place until the child turns 18.

In addition, most parents don’t want their child receiving the full amount of their inheritance at the age of 18. In a properly drafted estate plan, we can ensure your children are taken care of, that any inheritance left to them is protected, and you can also control when the inheritance proceeds are distributed to them. Our office can assist you in doing so in one of two ways: either a will with a trust for minors, or a revocable living trust.

Contact our office today at (206) 408-8158 for a free consultation to ensure that you have a proper estate plan in place.

DAL Law Firm is conveniently located in Normandy Park, Washington. We serve clients in Washington cities such as Normandy Park, Des Moines, Burien, SeaTac, Tukwila, Federal Way, Renton, Kent, Seattle, Bellevue, Redmond, Issaquah, Kirkland and others throughout King County.

Why Do I Need a Power of Attorney?

A Power of Attorney is a document which is prepared now, and gives another person certain powers to act on their behalf for a varied number of purposes. Most commonly, our office provides two different types of Power of Attorneys, one for healthcare purposes and another for financial purposes.

These Power of Attorneys allows our clients to elect someone to make healthcare or financial decisions for them in the event that the client is unable to do so. A Power of Attorney is only valid during one’s lifetime. After the person passes away, the Power of Attorney terminates.

While many people may believe that they do not need to worry about a Power of Attorney until a later point in time, that can many times leave to an unfortunate set of circumstances in their future. There can be a number of types of emergency situations that arise and the Power of Attorney could be needed. Having a Power of Attorney, along with your estate plan, will ensure that there is a plan in place if and when it is needed.

If the need for a Power of Attorney arises, and you have not executed one, your relatives or loved ones will have to go to court to open a guardianship to handle your affairs for the period of time that you are incapacitated. This process can be both extensive and costly. Setting up your Power of Attorney is relatively inexpensive, compared to the alternative if you have not executed one.

If you need any assistance with your Power of Attorney, or any estate planning concerns, please contact our office at (206) 408-8158, or by email at: Darcel@dallawfirm.com.

 

What You Need to File for Chapter 7 Bankruptcy

Filing for bankruptcy can seem overwhelming. For most filers, the list of documents needed and the bankruptcy paperwork itself can seem daunting. With an experienced bankruptcy attorney assisting you, you can rest assured that nothing is missed and that you will have a smooth filing.

Before filing for bankruptcy, it is best to meet with an attorney who can help you assess if filing for bankruptcy is the right option. There are many options aside from filing for bankruptcy to help with debt, including:

- Loan Modifications

- Short Sales

- Debt Settlements

- Repayment Plans

If, after meeting with an attorney and assessing your finances, you believe that filing for bankruptcy is the right option, then you would work with your attorney in providing the documents requested so that your bankruptcy paperwork can be prepared.

Most attorneys will have a checklist of items you need to compile and provide them. This will usually include:

- Paystubs

- Bank Statements

- Tax Returns

- Copies of creditor statements

- Any court orders regarding a divorce or child support

- Various documents related to your income and expenses

In addition to the documents, you are also required to complete a pre-filing credit counseling course. The counseling course can usually be completed over the phone or online, and must be completed with an accredited agency.

Once you have turned in the documents to your attorney and have completed credit counseling, you will then meet with your attorney to review and sign the bankruptcy petition. Once the case is filed, all collection activity from creditors will cease. About 30 days after filing, you'll then have a creditors' meeting (also known as a 341 meeting). This meeting is where the trustee will ask you questions about your bankruptcy petition.

Before your bankruptcy is complete, you will complete a second counseling course, known as the debtor education course. After you complete your debtor education course and file the certificate, your debt will be discharged (usually about 60 days after your creditors’ meeting).

If you need any assistance with filing for bankruptcy, or if you need help in evaluating if bankruptcy is the right option for you, please contact our office at (206) 408-8158, or by email at: Darcel@dallawfirm.com

How Does A Revocable Trust Work?

In short, a Revocable Living Trust is a document that you transfer your assets to for you to use during your lifetime, and then is transferred to your beneficiaries when you’ve passed away. A Revocable Living Trust is used to protect your assets and avoid probate, and our office works with you in ensuring that a Revocable Living Trust is right for you.

In determining whether a Revocable Living Trust is right for you, it is important to understand what a Revocable Living Trust is. In our initial consultation, we will discuss this in more detail, but a brief overview is provided below.

A Revocable Living Trust is created during your lifetime, and you have complete control of the Revocable Living Trust. A Revocable Living Trust continues to exist after your passing, to allow your Successor Trustee to make the distributions according to your Revocable Living Trust

Our Revocable Living Trust services include:

·         An initial consultation to assess your assets, discuss your wants and needs, explain how a Revocable Living Trust works, and help you decide if a Revocable Living Trust is right for you.

·         Prepare your Revocable Living Trust, which is specifically tailored for you, keeping in mind your wants and needs we discussed in our initial consultation.

·         Unlimited reviews and revisions to ensure your Revocable Living Trust accurately reflects your requests.

·         Execution of your Revocable Living Trust, and we will provide the witnesses and notary

·         To complete your estate plan, we also highly recommend that we prepare and execute Power of Attorneys and other related estate planning documents.

If you do not have an estate plan, or are considering adding a Revocable Living Trust to your estate plan, please give us a call today at (206) 408-8158, or email our office at Darcel@dallawfirm.com. We look forward to being able to assist you with your estate planning needs.

Estate Planning for the New Year

For many clients, the beginning of the New Year means getting their financial affairs in order, and getting around to having their will or trust completed. While most people know how important having a will or trust is, it unfortunately ends up becoming a “back burner” item. Our office is here to help you ensure you have a proper estate plan in place for you and your loved ones.

Our office can help you prepare for the distribution of your assets and property by learning about you and your financial situation. We evaluate a variety of strategies and alternatives for the effective transfer of your assets, including the use of wills and trusts.

We can recommend many useful estate planning tools such as:

•           Wills

•           Revocable Living Trusts

•           Durable Powers of Attorney

•           Health Care Directives

•           Community Property Agreements

Contact our office today at (206) 408-8158 for a consultation to have your estate plan prepared, and to give yourself peace of mind, knowing your estate plan is in place.

“Darcel Lobo was very helpful and helped us complete our estate plan, which we had been putting off for years. I’m so happy we have our wills completed and will certainly go back to her again if we need to.”

How to Get Help to Avoid Foreclosure

If you or someone you know may be facing foreclosure, there are various options available to assist to avoid foreclosure, one of which may be a loan modification. A loan modification is a process of negotiation with your mortgage lender to revise the terms of your loan and save your home. While a loan modification may be the best option for you, at your initial consultation, we will assess your options and advise you on the best option based upon your financial goals.

In a loan modification, our goal is to stop any pending foreclosure activity, reduce your monthly payment, and bring you back to a current status with your lender. There are various options available in modifying your loan, and we will work with you and your lender to reach a resolution for you. Loan modifications are very helpful for homeowners who are facing financial difficulties, as a loan modification may:

·         Reduce your interest rate

·         Provide a fixed interest rate instead of variable interest rate “arm”

·         Reduce some of your principal balance

·         Reduce late fees and penalties

Once you’re hired DAL Law to represent you in your modification, you can direct all phone calls and correspondence from your mortgage lender to our office, and we will speak with them on your behalf so you don’t have to. We have helped many homeowners save their home with a loan modification, and we would be happy to assist you as well.

If you are in default on your mortgage or facing foreclosure, give our DAL Law Firm a call at (206) 408-8158. We can help.

“Darcel was so fantastic. she explained the whole process to me and made me feel very comfortable in moving forward. Any questions I had she answered by email of phone in a very timely manner. I felt so relieved. She was totally professional however I felt I had made a new friend when the process was complete. I would highly recommend her to anyone.”

What is the Probate Process?

At DAL Law Firm, we provide counsel to individuals throughout King County who have questions or concerns about administering the estate of a loved one. We provide every client with a high level of personal service and attention. When you retain our firm to assist you, we will explain the probate process and provide the personal representative with the guidance necessary to execute his or her responsibilities to the estate. As a part of our initial consultation, we will help you decide if a probate is the right process to administer your loved one’s estate.

            We work with executors, administrators and personal representatives, to complete all the duties required by the probate court to settle the estate. Below is a list of just a few of the matters that our firm can manage for our clients.

  • Preparing and filing an inventory of the assets of the estate
  • Obtaining a valuation on any property in the estate, if necessary
  • Locating and notifying all parties with a potential interest in the estate, including creditors
  • Paying all final debts and taxes of the estate
  • Overseeing the orderly distribution of estate assets per the terms of the Will

            We will prepare all the necessary documents to complete the process, and will handle the hearing in court to open the probate, effectively administer the estate and handle any issues that may arise during the probate.

            Please contact our office at (206) 408-8158 if you believe you or someone you know may be in need to assistance with a probate.

Are There Alternatives to Bankruptcy?

For many clients we meet with regarding debt, one of the many questions is whether or not there are options aside from Chapter 7 or Chapter 13 bankruptcy. The good news is that yes, there are other options aside from Chapter 7 or Chapter 13 bankruptcy. At your initial consultation with attorney Darcel Lobo, she will evaluate your finances are help you determine what other options may be available to you.

Unfortunately, many law firms will focus on one option in particular, and try to push a client into the option that they want the client to pick. But that’s not what we do here at DAL Law Firm. Our goal is to get our clients into their best financial position; and this can mean an array of different options. Our office is experienced in not just Chapter 7 or Chapter 13 bankruptcy, but also many alternatives to bankruptcy, including:

For some clients, after evaluating all of their options, filing for bankruptcy makes the most financial sense for them. And our clients can be assured that we’ve helped them make the best decision for them and their family.

If you have financial concerns, and would like to evaluate your options, contact our office today at (206) 408-8158 or Darcel@dallawfirm.com. We’re happy to speak with you to help you regain control of your finances and have a fresh start.

“My wife and I paid all our bills on time and had near-perfect credit for years, and then we didn't. We needed to make a complicated decision about our financial future. Darcel helped my wife and I make the decide that a Chapter 7 was the best approach for us. Over a period nearly a year in length, Darcel answered all our questions and helped us clearly understand all the ramifications about decisions, and the timeline of our case. And she was there with us in court. We're on the road again now. Thanks again for your professional, courteous support, Darcel!”

-          Satisfied Client

What Exactly is an Estate Plan?

An estate plan is the process of planning for the distribution of one’s assets upon their passing. Clients can have a wide array of goals when it comes to creating their estate plan. Contact our office at (206) 408-8158 is you would like to discuss creating your estate plan, or if you would like to discuss any possible revisions to your current estate plan. 

Many documents can comprise of one’s estate plan, including:

·         Revocable Living Trusts

·         Wills

·         Power of Attorneys

·         Health Care Directives

·         Community Property Agreements

·         Cohabitation Agreements

·         Prenuptial Agreements

·         Directive to Control Remains and Burial Instructions

Many clients think that they don’t need an estate plan because of their assessment of the size of their assets. Unfortunately, if something happens to you and you don’t have a Will, a probate court is going to decide what happens to your assets according to state law, without any consideration given to what your intentions may have been. In addition, having an estate plan is not only about your assets. You also want to ensure your spouse and children are taken care of, and also is very important for you to decide who you want to make decisions for you if you are unable to do so yourself.

It's important to remember that an Estate Plan doesn’t have to be complicated or expensive, it just has to be done properly and serve your needs. As your needs change over time, you can always update your Estate Plan to ensure your plan continues to serve your needs 

Contact our office today at (206) 408-8158 for a consultation to ensure that you have a proper estate plan in place.

DAL Law Firm is conveniently located in Normandy Park, Washington. We serve clients in Washington cities such as Normandy Park, Des Moines, Burien, SeaTac, Tukwila, Federal Way, Renton, Kent, Seattle, Bellevue, Redmond, Issaquah, Kirkland and others throughout King County.

 

What is a Revocable Living Trust?

DAL Law can help you in creating the estate plan which is right for you with a Revocable Living Trust. A Revocable Living Trust is used to protect your assets and avoid probate. Our office works with you in ensuring that a Revocable Living Trust is right for you.

In determining whether a Revocable Living Trust is right for you, it is important to understand what a Revocable Living Trust is. In our initial consultation, we will discuss this in more detail, but a brief overview is provided below.

The largest difference between a Revocable Living Trust and a Will is that a will requires Probate, and a Revocable Living Trust does not. While both a Revocable Living Trust and a Will leave instructions for your loved ones regarding the administration and distribution of your estate, the Revocable Living Trust empowers your Successor Trustee to make such distributions, whereas the Will does not and will require the oversight and approval from a Probate Court.

A Revocable Living Trust is created during your lifetime, and you have complete control of the Revocable Living Trust. A Revocable Living Trust continues to exist after your passing, to allow your Successor Trustee to make the distributions according to your Revocable Living Trust

Our Revocable Living Trust services include:

  •          An initial consultation to assess your assets, discuss your wants and needs, explain how a Revocable Living Trust works, and help you decide if a Revocable Living Trust is right for you.
  •       Prepare your Revocable Living Trust, which is specifically tailored for you, keeping in mind your wants and needs we discussed in our initial consultation.
  •           Unlimited reviews and revisions to ensure your Revocable Living Trust accurately reflects your requests.
  •          Execution of your Revocable Living Trust, and we will provide the witnesses and notary
  •           To complete your estate plan, we also highly recommend that we prepare and execute Power of Attorneys and other related estate planning documents.

A Revocable Living Trust can be a very useful tool based on the type of assets, as long as the assets are properly maintained in the Revocable Living Trust. If you do not have an estate plan, or are considering adding a Revocable Living Trust to your estate plan, please give us a call today at (206) 408-8158, or email our office at Darcel@dallawfirm.com. We look forward to being able to assist you with your estate planning needs.

IRS Debt? Read this Blog!

         We’ve heard from many clients that they think that their debt to the IRS can’t be discharged in bankruptcy. Well, we are here to tell you that the IRS can be discharged, and we have helped many clients eliminate tax debt through bankruptcy. If you are facing tax debt and are thinking about bankruptcy, give you office a call for a free consultation so we can discuss your specific matter.

         While this is not an all-inclusive list, below are the general parameters for eliminating your tax debt in bankruptcy:

  • A tax payer must have filed a return for the year in which the debt was created; 
  • The tax return must have been filed at least two years prior to filing for bankruptcy;
  • The tax return must have been due at least three years before filing for bankruptcy; and
  • The IRS has not assessed the liability within 240 days of the bankruptcy filing date. 

           If you meet the above requirements, then you may be able to eliminate your tax debt through bankruptcy, a Chapter 7 or 13. Even if you cannot discharge your tax debt through bankruptcy, a bankruptcy filing may provide you some relief if the IRS is attempting to collect from you, and is garnishing your wages, bank accounts, or other assets.

          Call our office today for your free bankruptcy consultation to see if we can help you. We can be contacted at (206) 408-8158. 

“The professionalism and respect that I received was beyond what I could have expected. She (Attorney) made the whole process pain free and with the million questions I had she was always there with help and support. I would most definitely recommend her to others.”

-          Satisfied client

What Is The Process of Filing For Chapter 7 Bankruptcy?

            This overview of the Chapter 7 Bankruptcy process is general in nature, and each case may vary slightly. If you are considering filing for Chapter 7 Bankruptcy, attorney Darcel Lobo offers a free initial consultation to help you evaluate your options, and determine if Chapter 7 Bankruptcy may be the best option for you.

            At the free initial consultation, we will discuss your concerns, and help you decide if bankruptcy is the right option for you. If it is, you will be provided with a bankruptcy packet, which contains information that we need to prepare the actual bankruptcy petition which will be filed with the Court. In addition to completing the bankruptcy packet, you will also need to complete a credit counseling course, which may be completed online or over the phone, at your convenience. The course takes about an hour to complete.

            Once we have prepared the bankruptcy petition, you will meet with the attorney to review and sign the documents. We will review these together and once you have signed them, the case can be filed.

            Once your case is filed, you immediately receive protection from the Bankruptcy Court, known as an “Automatic Stay.” This protection will stop all collection activity: the phone calls, any lawsuits, garnishments, and/or foreclosures.

            Approximately 30 days after your case is filed, there will be one court hearing to attend. The attorney will be there will you at the hearing. The hearing is held by the Bankruptcy Trustee, whose job it is to verify the information filed with the Court by asking you 8-10 routine questions. The hearings usually do not last for more than five minutes.

            After the hearing is completed, there is a 60 day waiting period. During this time, you will need to complete a second credit counseling course. Just as with the first course, this second course may be completed over the phone or online, and also takes only about an hour to complete.

            Once the 60 days have lapsed, you will obtain your discharge order from the Bankruptcy Court. Our office will receive an electronic copy, and a hard copy will be mailed to you. The bankruptcy is complete, and you can move forward knowing that the debt is behind you.

            Our office provides free consultations for potential clients who are considering bankruptcy. Give our office a call at (206) 408-8158, or free to email attorney Darcel Lobo at: Darcel@dallawfirm.com. We look forward to being able to help you.

Are There Any Alternatives to Bankruptcy?

For many clients we meet with regarding debts, one of the many questions is whether or not there are options aside from Chapter 7 or Chapter 13 bankruptcy. The good news is that yes, there are other options aside from Chapter 7 or Chapter 13 bankruptcy. At your initial consultation with attorney Darcel Lobo, she will evaluate your finances are help you determine what other options may be available to you.

Unfortunately, many law firms will focus on one particular option, and try to push a client into that option that they want the client to pick. But that’s not what we do here at DAL Law Firm. Our goal is to get our clients into their best financial position; and this can mean an array of different options. Our office is experienced in not just Chapter 7 or Chapter 13 bankruptcy, but also many alternatives to bankruptcy, including:

  • Loan Modifications
  • Debt Settlements
  • Foreclosure non-retention options, such as Deed in Lieu of Foreclosure or Short Sale
  • Repayment Agreements
  • Debt defense

For some clients, after evaluating all of their options, filing for bankruptcy makes the most financial sense for them. And our clients can be assured that we’ve helped them make the best decision for them and their family.

If you have financial concerns, and would like to evaluate all of your options, contact our office today at (206) 408-8158 or Darcel@dallawfirm.com. We’re happy to speak with you to help you regain control of your finances and have a fresh start.

“My wife and I paid all our bills on time and had near-perfect credit for years, and then we didn't. We needed to make a complicated decision about our financial future. Darcel helped my wife and I make the decide that a Chapter 7 was the best approach for us. Over a period nearly a year in length, Darcel answered all our questions and helped us clearly understand all the ramifications about decisions, and the timeline of our case. And she was there with us in court. We're on the road again now. Thanks again for your professional, courteous support, Darcel!”

-          Satisfied Client

How to Discuss Your Estate Plan with Your Loved Ones

For many clients, they have a difficult time discussing their estate plan with their loved ones. But it is very important that your loved ones are aware that you have an estate plan, as well as where your estate planning documents are located. Attorney Darcel Lobo can work with you to create an estate plan which tailored to your specific needs. Following the steps listed below will help to alleviate any stress for your loved ones after your passing.

1. Meet with an attorney to create your estate plan.

Having an experienced estate planning attorney is essential when creating your estate plan. You want to ensure that the attorney is familiar with the different types of estate planning options available and understands what would be best for you and your family. 

2. Ensure your estate plan reflects your wishes and that you’ve considered any complicated family dynamics.

In our consultations, it is important for the attorney to understand any unique or difficult family dynamics, as it may affect your estate plan. There are numerous situations where a client may wish to leave an inheritance to a loved one, but may want to take additional measures to ensure that the inheritance is protected. It is very important that you discuss this with your attorney at the initial consultation.

3. Keep your estate plan in a safe location that your loved ones can locate.

This can be a big one. Too many times, a client will complete their estate plan, but then keep it somewhere and their loved ones are unsure of where they are, or don’t have access to the documents, such as a safe deposit box at a bank. Your attorney can help you plan for the safe keeping of your documents.

4. Ensure your loved ones are aware of your estate plan.

In addition to letting your loved ones know about the location of your estate plan, you also want to ensure that any one you appoint in your estate plan is aware and willing to act in such capacity. For example, who you appoint as your power of attorney, guardian of your minor children, and as executor of your will, all need to know that they have been appointed and you want to be assured that they are willing and able to take on such roles.

If you do not have an estate plan, or are in need of revising your current estate plan, call DAL Law Firm today at (206) 408-8158 to set up an initial consultation with Attorney Darcel Lobo. Our office would be happy to be able to assist you.

“Darcel Lobo helped us get our estate plan in order, which we had been avoiding for years. Working with her made the process very easy and we feel much better knowing that our children are taken care of.”

How DAL Law Firm Can Assist You in Your Uncontested Divorce

If you and your spouse are contemplating a divorce, and you both can agree on the divorce, DAL Law Firm can assist you in ensuring that you divorce is affordable, legally enforceable, and is completed in a timely and efficient manner.

An uncontested divorce is a process which allows both spouses the opportunity to end their marriage by agreement. It is also known as an “amicable divorce.” You and your spouse will decide all items which are pertinent to the divorce, including: the division of assets and debts, as well as a residential schedule for your children.

In most cases, neither you nor your spouse will have to make any court appearances; our office handles that for you in our representation. It is our mission to make this process as simple as possible for everyone involved in a cost-effective manner.

The benefits to an uncontested divorce are great: you and your spouse can decide what is a fair division of assets and debts instead of a judge; you can avoid expensive attorneys’ fees in litigation; you can obtain a divorce relatively quickly so that all parties can move forward; and you can reduce the emotional stresses that accompany a drawn-out divorce.

Contact us today at (206) 408-8158 or email Attorney Darcel Lobo at Darcel@dallawfirm.com for assistance with your uncontested divorce. 

            “The professionalism and respect that I received was beyond what I could have expected. She made the whole process pain free and with the million questions I had, she was always there with help and support. I would definitely recommend her to others. Thanks again for all of your help”                                                            

                                                                        - Satisfied Client

Is Your Estate Plan in Order?

            The estate planning you build today could be your final gift to those you love most — proactive execution of final wishes and goals that spare your survivors the time, expense, energy and inconvenience of costly, lengthy probate proceedings or litigation. At DAL Law Firm, we are experienced in the preparation of an effective, thoughtful estate plan, and they can help you with originating and updating any plan that provides for your family's future financial security.

            Attorney Darcel Lobo can help you prepare for the distribution of your assets and property by learning as much as she can about your financial situation. We evaluate a variety of strategies and alternatives for effective asset transfer, including the use of wills and trusts.

Attorney Darcel Lobo can recommend a number of useful estate planning tools such as:

  • Wills and living wills
  • Revocable and irrevocable trusts
  • Living trusts
  • Gift, life insurance, special needs and charitable trusts
  • Durable and medical powers of attorney
  • Advance health care directives
  • Community property agreements

            Using these and other important estate documents, DAL Law Firm can craft a blend of strategies that provide for your loved ones after you are gone, or in the event you are incapacitated. We listen to you and learn from you, from the very start of our work together. We translate that knowledge to formulation of an estate plan you can be proud of, one that effectively reflects your intentions.

Contact our office today at (206) 408-8158 for a consultation to ensure that you have a proper estate plan in place.

“Darcel Lobo was very helpful and helped us complete our estate plan, which we had been putting off for years. I’m so happy we have our wills completed and will certainly go back to her again if we need to.”

Looking to Sell Your Home Yourself? Our Office Can Help You!

            Planning to sell your home “For Sale By Owner” (FSBO)? Perhaps you already have a buyer and do not need to market your home, so will not be using the marketing services of a real estate agent. You will still need to have an attorney prepare and review the purchase and sale documents and to advise you during the escrow period. A great way to make sure that your transaction goes smoothly is to employ an experienced real estate attorney to oversee the transaction and help you avoid common mistakes owners may make when selling their own homes.

            Real estate law is a product of both Washington State case law and statutes, so is a dynamic area of law that is subject to change, as real estate laws are frequently rewritten and amended. It is important to be aware of current law as it applies to real estate transactions. For example, disclosure requirements are your responsibility as the Seller. You should be aware of the importance of these disclosures and how you can protect yourself now and in the future. Experienced and thoughtful advice from a real estate attorney can ensure that your sale is in complete compliance with all relevant laws and certainly, well considered legal advice will benefit you even after the sale.

            If you choose to sell your home on your own, consider hiring DAL Law Firm to prepare the purchase documents and advise you regarding the sale. From the preparation of real estate purchase contracts that meet all the current laws, to advice regarding proper disclosure, and even the financing documents if necessary, your real estate attorney's contributions will make him or her an invaluable member of your team. If you would like more information, please contact our office today at (206) 408-8158 or email Darcel Lobo at Darcel@dallawfirm.com

“Darcel Lobo was always there when I had questions or concerns. If I ever had another legal matter I would go back to Darcel.”

- Satisfied Client

Are You Being Garnished? Not Only Can We Stop The Garnishment, We May Also Be Able To Get Your Money Back For You!

            Many times are clients come to attorney Darcel Lobo for a bankruptcy when they are already being garnished by a creditor. Depending upon the type of garnishment, up to 25% of your wages can be garnished. Clients come to our office to stop that garnishment from happening again.

            But at DAL Law Firm, not only do we stop the garnishment, but we can recover any past garnishments which have occurred in the past 90 days, if the amount garnished exceeds more than $600. For clients that have ongoing garnishments, being able to recover 90 days’ worth of garnishments can make a huge difference for them and their household budget. Shortly after filing the bankruptcy, we work with the creditor and/or their attorney directly and get a refund check made out to you for the full amount that you’ve been garnished in the last 90 days.

            If you are having a financial hardship, having a garnishment come out of your paycheck before you even see your paycheck only makes matters worse. Unfortunately, it leaves people having to decide which utility bill to pay, whether or not they can pay their rent or mortgage, and many other difficult choices that they shouldn’t have to make.

            So if your wages or bank accounts are being garnished, call DAL Law Firm today. We can’t do anything to recover garnishments that have happened more than 90 days ago. The sooner you contact us, the sooner we can determine your options and decide if bankruptcy is right for you. If it is, then we move forward quickly so that we can stop the garnishment and get a refund check into your hands.

Give us a call today so we can assist you in recovering your money (206) 408-8158.

Please note that the information provided in general in nature and may not apply to all individuals. We are a debt relief agency. We help people file for bankruptcy under the bankruptcy code

Need Help with Eviction Services?

Need Help With Eviction Services?

DAL Law Firm represents landlords in order to ensure compliance with the Washington State Landlord Tenant Act. Our goal is to assist landlords with the legal process and to alleviate unnecessary hardships that landlords many times face in evictions. While our primary goal is to work with the landlord and tenant to reach an amicable resolution, that sometimes is not possible and proceeding with the eviction is the only remedy available to the landlord. In such instances, our office can assist with the eviction.

If you find yourself in a situation with a tenant that you believe warrants legal assistance, we are here to help you. Many times these situations are stressful, but we will do what we can to assist you with a difficult situation, including: handle required notices; draft all required paperwork; attend hearings; ensure communication with your tenant; and seek all of the legal remedies which may be available to you; and assist with the removal of the tenant and their belongings. We can be of assistance to you whether you own multiple properties or are renting out an individual unit.

The Unlawful Detainer Procedure

To start an unlawful detainer action, we will need the following documents (if available):

  • A copy of the Rental Agreement and any amendments;
  • A copy of any notices which were issued;
  • The name of the legal owner of the property;
  • The tenant's names, social security number, and date of birth, if you have it; and
  • Any other pertinent information that may be available.

DAL Law Firm has assisted many landlords in recovering not only their property, but also any money owed to them. Please visit our Landlord Tenant page for more information, and contact our office today at (206) 408-8158 if you may be in need of assistance.

DAL Law Firm is conveniently located in Normandy Park, Washington. We serve clients in Washington cities such as Normandy Park, Des Moines, Burien, SeaTac, Tukwila, Federal Way, Renton, Kent, Seattle, Bellevue, Redmond, Issaquah, Kirkland and others throughout King County.

Do I Need a Prenuptial Agreement?

            If you are considering marriage or a domestic partnership, and have either been married before or are bringing substantial assets into the relationship, a prenuptial, postnuptial, or cohabitation agreement can give you peace of mind. Such agreement can protect the assets you may have acquired prior to the marriage and can ensure that they remain you separate property. Creating this type of relationship agreement assures you that your assets are protected and is also a step towards creating a financial plan and estate plan for your future. Darcel Lobo has helped many clients with their prenuptial agreements and would be happy to assist you as well.

            At the DAL Law Firm, we work with you to ensure that we understand your concerns and that those concerns are addressed with the appropriate agreement. We provide comprehensive counsel to individuals and couples throughout Washington State and would be pleased to represent you. We can answer any questions you may have about a relationship agreement and how it can serve your interests.

            We provide advice to clients and prepare agreements for those who are considering marriage or cohabitation and have concerns about asset protection. We will discuss all matters related to the execution of an enforceable prenuptial, postnuptial or other relationship agreement. We will help you identify and characterize your assets, and draft an agreement that clearly sets forth your intent. We will explain the difference between your separate property and community property.

            What can be as equally as important, if not more important, is the protection of one’s assets if their soon-to-be spouse may have debts. We will help you to minimize the risk of your assets, and will structure the agreement accordingly. All matters will be done with the strictest confidentiality, and your privacy is always protected. For more information, please contact our office.

            Contact our office by phone at (206) 408-8158 or by email at Darcel@dallawfirm.com for a confidential consultation regarding a relationship agreement.

“Darcel Lobo was very nice and patient and represented me well. She is very knowledgeable in her field. I knew she had my best interest at heart and guided me in the right direction when making decisions. She's very easy going and easy to talk to. I felt comfortable asking her questions. I would recommend Darcel to my friends and family.”

DAL Law Firm is conveniently located in Normandy Park, Washington. We serve clients in Washington cities such as Normandy Park, Des Moines, Burien, SeaTac, Tukwila, Federal Way, Renton, Kent, Seattle, Bellevue, Redmond, Issaquah, Kirkland and others throughout King County.