SOUTHWELL
O'ROURKE

BANKRUPTCY
LAWYERS

Since 1977, Southwell & O'Rourke P.S. has been providing quality bankruptcy and debt-relief services. Our skilled attorneys are committed to helping you with your financial needs. Primarily practicing in bankruptcy gives us the knowledge and experience to assist you.

Even if bankruptcy isn't the right option for you, we can help you by stopping wage garnishments and foreclosures, eliminating certain debts, dealing with credit harassment, and assisting you in obtaining a financial fresh start.

Is bankruptcy the answer for you?
IS BANKRUPTCY THE ANSWER FOR YOU?

Our knowledgeable attorneys can help determine if filing for bankruptcy is right for you, and then determine which bankruptcy option is best.

Get the debt relief you need
GET THE DEBT RELIEF YOU NEED

When you need reliable debt relief services, turn to the experienced team at Southwell & O'Rourke P.S. to assist you with your financial struggles.

Stop a foreclosure from happening
STOP A FORECLOSURE FROM HAPPENING

When you're facing a foreclosure, talk to one of our attorneys about how a Chapter 13 bankruptcy can stop a foreclosure proceeding.

Consumer Bankruptcy

Chapter 7

Chapter 7 bankruptcy

CHAPTER 7

FIND YOURSELF A FRESH FINANCIAL START
Chapter 7 bankruptcy is one of the most common forms of bankruptcy and is often referred to as "liquidation". It is accomplished by selling your non-exempt property which is then applied towards the claims of the creditors. This option can be used by both individuals and businesses.

When you're looking for a fresh start, a Chapter 7 bankruptcy is for you. Once you file for a Chapter 7 bankruptcy, a stay is automatically put into place to put a hold on certain garnishments, lawsuits, and harassment collection actions. Let Southwell & O'Rourke P.S. help you today.

YOUR MOST EFFICIENT BANKRUPTCY OPTION
Although impossible to predict your outcome because everyone's financial situation is different, it isn't uncommon to keep exempt personal and real property in the end. The process is fairly fast and you can have financial freedom in as little as three months.

GET STARTED RIGHT AWAY ON YOUR FRESH START
Don't wait until your situation gets any worse. It's never too early to get help with your financial matters, but it can sometimes be too late. No matter what your financial needs may be, our team can help. Our attorneys can help with your debt settlement , and can even help stop a foreclosure.

Business Reorganization

Chapter 11

Chapter 11 bankruptcy

CHAPTER 11

STAY IN BUSINESS WHILE YOU REORGANIZE
A Chapter 11 bankruptcy is for individuals, businesses, and corporations.

Any appointed committee, often comprised of the top creditors to the business, will review and approve the reorganization. The skills of our attorneys at Southwell & O'Rourke P.S. are invaluable for this reason. We'll fight to ensure the committee is doing what is in the best interest of your business.

IS A CHAPTER 11 BANKRUPTCY RIGHT FOR YOU?

A Chapter 11 bankruptcy is extremely complex and can take a long time. However, your business can often stay operational - unlike a Chapter 7. An automatic stay is put into place to prevent further debt collection while your reorganization is in the process.

We also would advise you in matters related to:

- Credit card debt
- Medical bills
- Lawsuits and judgments

FINDING THE RIGHT OPTIONS FOR YOUR SITUATION
Let our experienced and dedicated team help you with your financial hardships. We have the knowledge to determine if bankruptcy is the right option for you. Visit our office for a discussion and get suitable advice, so that you are able to get over your financial hardship.

Farm Reorganization

Chapter 12

Chapter 12 bankruptcy

CHAPTER 12

HOW A CHAPTER 12 BANKRUPTCY WORKS
A Chapter 12 bankruptcy is reserved for those classified as a "family farmer" or a "family fisherman". It is less expensive and complex than other options, which is often something that is invaluable to you as a farmer or fisherman. Southwell & O'Rourke P.S. will help you the whole way.

A Chapter 12 bankruptcy involves creating a plan to repay your debts over a three to five year period. Although you will remain in control of your business, a trustee will be appointed to oversee the daily operations of the business. The trustee ensures the creditors continue to be paid.

IS A CHAPTER 12 BANKRUPTCY RIGHT FOR YOU?
In order to file for a Chapter 12 bankruptcy, you must be engaged in farming or fishing operation. Over half of your income must come from your farming or fishing operation.

YOU DON'T HAVE TO TRAVERSE THIS PROCESS ALONE

We know filing for bankruptcy is not easy. Our experienced attorneys can help you in obtaining a fresh start and help you get out of debt. Call us at 509-624-0159 and let us know your situation. We will then provide the best possible advise in debt-related issues.

Consumer Bankruptcy

Chapter 13

Chapter 13 bankruptcy

CHAPTER 13

HOW A CHAPTER 13 BANKRUPTCY WORKS

Chapter 13 bankruptcies are for when you are planning to repay all or a portion of your debt over time. It is often referred to as the "wage earner's bankruptcy" because it is common for the person to be able to pay their living expenses, but unable to pay their debt that has grown out of control.

Let Southwell & O'Rourke P.S. help you reorganize your debt with a Chapter 13. If a Chapter 13 bankruptcy is a possibility, you must be sure you have a stable source of income. The ability to pay some of your debt is based on your income, and your ability to pay your court confirmed plan.

HOW CAN A CHAPTER 13 BANKRUPTCY HELP YOU?

- Save your house from foreclosure
- Prevents harassment from creditors
- Manage debts by spreading repayments over time
- Discharging - at least in part - several debts after the completion of the bankruptcy

LET US HELP GET YOUR LIFE BACK ON TRACK

If you have to seek help by filing for bankruptcy, just know that you are not alone. We understand that sometimes you just get in too deep or have unexpected financial changes. Contact us to get help in your financial situation.

A Debt-Free Future

Debt Settlement

DEBT SETTLEMENT

RECEIVE THE DEBT SETTLEMENT GUIDANCE YOU'RE LOOKING FOR

When you are facing the debt negotiation process, make sure you are working with the right team. Southwell & O'Rourke P.S. has the experience to provide you with the proper guidance when you are trying to get your finances back on track.

Not only will we help you negotiate correctly - and with the right parties, we'll make sure you are also prepared for tax season, as some of your debt may still be taxable. We can then ensure your remaining debt is handled legally.

WORK WITH THE RIGHT TEAM IN YOUR CORNER

With our help, you can get immediate help with debt collectors. Stop the harassing calls while you get your debt in order. Once your debt is negotiated, you'll be able to make payments on time and focus on rebuilding your credit.

You are sure to get our best possible advice in matters related to:

- Garnishments
- Consolidations
- Fight against, and protect from wage garnishments
- Receiverships

SETTLE YOUR DEBTS

- Discharge your debts
- Protect your property
- Stay in control
- Personalized plans

GET BACK THAT FEELING OF FINANCIAL FREEDOM

Filing bankruptcy is not an easy process. When you work with our experienced team, we will assist you in obtaining a fresh start and help you get out of debt. We can help with Chapter 7 , Chapter 11 , Chapter 12 , and Chapter 13 bankruptcies, and can even help stop a foreclosure on your home.

Keep Your Home

Foreclosure

FORECLOSURE

HELPING YOU FIGHT AGAINST A FORECLOSURE

Similar to how other bankruptcy options will stop debt collectors, filing a Chapter 13 bankruptcy will immediately stop a foreclosure proceeding while the bankruptcy is processing. Often times, this allows you to keep your home.

The temporary freeze on the foreclosure also often allows you to catch up on the payments you are behind on or negotiate a more favorable payment structure. Let Southwell & O'Rourke P.S. help you stop a foreclosure process or get a handle on your outstanding debt.

GET THE DEBT RELIEF YOU NEED

If you have a second mortgage, but your home is worth less than your first mortgage, this form of bankruptcy can often be invaluable to you. Stop living with mountains of debt; let us get moving on your bankruptcy options today.

HOW CHAPTER 13 HELPS

- Save your home
- Catch up on loans
- Manage debts over time
- Discharge several debts

DIG YOURSELF OUT OF A HOLE WITH OUR HELP

Has your debt reached the point in which you don't see yourself paying it off? Are the bills increasing by the month instead of decreasing with your payments? Bankruptcy might be the option for you. We can help you with Chapter 7, Chapter 11, Chapter 12, and Chapter 13 bankruptcies.

ATTORNEYS


Our knowledgeable attorneys can help determine if filing for bankruptcy is right for you, and then determine which bankruptcy option is best.

Southwell O'Rourke Bankruptcy, Kevin O'Rourke, Super Lawyers
Southwell O'Rourke Bankruptcy, Martindale-Hubbell
Southwell O'Rourke Bankruptcy, Martindale-Hubbell
Southwell O'Rourke Bankruptcy, Martindale-Hubbell
Southwell O'Rourke Bankruptcy, Kevin O'Rourke, Avvo
Southwell O'Rourke Bankruptcy, FindLaw
Southwell O'Rourke Bankruptcy, Expertise
Southwell O'Rourke Bankruptcy, Spokane County Bar
Southwell O'Rourke Bankruptcy, Kevin O'Rourke, Washington State Bar
Southwell O'Rourke Bankruptcy, Kevin O'Rourke, Idaho State Bar
Southwell O'Rourke Bankruptcy, Kevin O'Rourke, Justia
Southwell O'Rourke Bankruptcy, Dan O'Rourke, American Bankruptcy Institute
Daniel O'Rourke, Bankruptcy Attorney
Daniel O'Rourke

Dan O'Rourke graduated from Gonzaga University School of Law in 1973. His practice focuses on bankruptcy and reorganizations in the state of Washington. From 1973 to 2012, Dan was a former United States Chapter 7 Bankruptcy Trustee. He is currently a member of the following associations:

- Spokane County Bar Association
- Washington State Bar Association
- American Bar Association
- Washington State Trial Lawyers Association
- American Bankruptcy Institute
- Debtor-Creditor Section of the Washington State Bar Association

Dan has served on the Advisory Rules Committee for the United States Bankruptcy Court for the Eastern District of Washington from its inception, and no less than 20 years. He is rated an AV Lawyer with Martindale Hubbell and was also named a Super Lawyer over the last several years.

Kevin O'Rourke, Bankruptcy Attorney
Kevin O'Rourke

Kevin D. O’Rourke graduated summa cum laude from Gonzaga University School of Law in 1999. An attorney with Southwell & O’Rourke, P.S., his practice focuses on bankruptcy, reorganizations, and receiverships in Washington and Idaho.

He serves on the Mediation Panel for the U.S. Bankruptcy Court for the Eastern District of Washington and has served by appointment on the Advisory Rules Committee from 2003-2012, 2013-2015, 2016-2018, and 2022 to present. Mr. O’Rourke is the past president of both the Bankruptcy Bar Association and the Federal Bar Association for the Eastern District of Washington, and the past chair of WSBA Creditor-Debtor Rights Section Executive Committee. He also taught as an Adjunct Bankruptcy Law Professor at Gonzaga University School of Law.

Washington Law and Politics named Mr. O’Rourke as a Rising Star Super Lawyer in its 2006-2008, 2011-2013 editions, and a Super Lawyer in its 2014-present editions. He is a Chapter 7 Panel Trustee for the Eastern District of Washington, and a Sub-Chapter V Trustee. Mr. O’Rourke is rated as an AV Preeminent lawyer with Martindale-Hubbell.

CONTACT US


Our experienced and knowledgeable attorneys have been proudly providing reliable bankruptcy and debt-relief legal services to our clients bankruptcy relief services throughout Eastern Washington and Northern Idaho. We are committed to helping you navigate the complex area of bankruptcy law.

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