Useful Links

Legal Resources You Can Use

Many people want  answers to their legal questions as soon as possible.  This website and this page helps you to do that.  Here is how.

Links:  Below you will find  “useful links”  that are categorized by subject in a sortable table.   You can sort by category, description and link.  If you click on a link it will open a window to a website with the useful information on that subject.  Most “useful links” have a corresponding blog/article entry that helps explain how the information at the site can be useful.

Search Page:  To search this page for a particular word/phrase (such as “credit report”) then you can type “Ctrl” + “F” (at the same time) and a search box will appear.  Then type the word/phrase you are looking for in the box and and hit “Enter”.

Search Website:  You can also use the “Search This Website” feature at the this an every website page to help find information any subject.

DISCLAIMER:  We are not affiliated with these sites.  The information at each site is not intended to substitute for legal advice.  Also, if you find a link that is broken or have a suggestion for a useful link, please let us know.

 Useful Links

Category Description Link
Attorneys Robert Russell -"Superb" rating AVVO – 10 out of 10
Attorneys Robert Russell – AVVO Client Testimonials…/
Attorneys Robert Russell – Attorney/Peer Endorsements
Bankruptcy Famous Bankruptcies…/
Bankruptcy Bankruptcy Filings 1995-2012…/
Bankruptcy Bankruptcy & The US Constitution – Wiki Info…/
Bankruptcy Article: Bankruptcy & the Bible (#1)…/
Bankruptcy Article: Bankruptcy & the Bible (#2)
Bankruptcy Bankruptcy Statistics…/
Bankruptcy Ch. 7 Debts Not Discharged (11 USC 523)…/
Bankruptcy Ch. 13 Debts Not Discharged (11 USC 1328)…/
Bankruptcy Personal Property Exemptions (RCW 6.15.010)
Bankruptcy Real Property Exemptions (RCW 6.13.030)
Bankruptcy Wage Exemption (RCW 6.27.150)
Bankruptcy 50 State Homestead & Other BK Exemptions
Bankruptcy Western District of WA – Court
Bankruptcy Local BK Rules – WDWA (Eff.: 12-1-14)…
Bankruptcy Local BK Rules – WDWA (Eff.: 12-1-14)  Redline…
Bankruptcy Federal Rules of BK Procedure (FRBP)
BankruptcyX Ch. 7 Trustee Duties+
BankruptcyX Residency – Exemptions
BankruptcyX 9th Circuit Case Search… search cases
Bankruptcy Means Test – UST – General
Bankruptcy Means Test – UST Position – 13
Bankruptcy Means Test – UST Position – 7
Bankruptcy Means Test – Housing – Washington Figures
Bankruptcy Means Test – Transportation
Bankruptcy Means Test – Food – Clothing- Other
Bankruptcy Means Test – Out of Pocket Healthcare
Bankruptcy Means Test – Median Income by State (2013)
Bankruptcy Means Test – Allowed Expenses (2013)
Bankruptcy Tax Discharge Determinator
Bankruptcy Tax Discharge  Analysis…
Bankruptcy FHA Loss Mitigation During Bankruptcy
Bankruptcy Article: HAMP & Bankruptcy
Bankruptcy Budget Worksheet by NFCC
BankruptcyX Article – How One Family Avoided it…
Chapter 13 13 Trustee's Website – Debtor -Case Access Instr…
Chapter 13 13 Trustee's Website – Debtor -Case Login
Chapter 13 13 Trustee's Website – Attorney Document Upload
Chapter 13 13 Trustee's Website – Send Payments
Credit Report Free Credit Report – Equifax report…
Credit Report Free Credit Report – Transunion report…
Credit Report Free Credit Report – Free Annual
Credit Report FCRA – Fair Credit Reporting Act – FTC Links
Credit Report FCRA – Fair Credit Reporting Act
Credit Report FCRA – Credit Report – How long can items be reported?
Credit Report FCRA – Foreclosure – 7 years…15/1681c
Credit Report FCRA – Various FTC Links
Credit Report FCRA – Info on 2003 – Consumer’s Union
Credit Report FCRA Federal Trade Commission Opinion Letters
Credit Report ARTICLE: FICO – How mortgage delinquencies affect credit scores…
Consumer Protection WA Consumer Protection Act — RCW 19.86: Unfair practices…19.86
Consumer Protection WA DOL – Look up a business/prof.
Condo WA RCW – Condo Act (64.34 RCW)…64.34
Condo WA RCW – Condo Act –Release of Liens…64.34.435
Condo WA RCW – Condo Act – Liens – General Provisions…64.34.368
Calculators Calculators
CalculatorX Amortization
Debt Collection FDCPA – Fair Debt Collection Practices Act
ForeclosureZ FFA – WA Brochure (as of 7-2-14)
ForeclosureZ FFA – WA – Guidelines & Info
ForeclosureZ FFA-  WA DOC Website re: FFA
Foreclosure FFA – Article:  WA DFI – Foreclosure Fairness Act Takes Effect
Foreclosure FFA – Article:  WA Supreme Ct: MERS – can't FC w/o note…2012/08/16/WASCourt…
Foreclosure FFA – Foreclosure Fairness Act…
Foreclosure WA  RCW 61.24.030(8)  CR's duties/Borrower's options
Foreclosure WA RCW – Nonjudicial FC – No Deficiency Jgmt…61.24.100
Foreclosure WA RCW – Judicial Foreclosure  (61.12 RCW)…61.12
Foreclosure WA RCW –  Judicial Foreclosure – Deficiency…61.12.070
Foreclosure WA RCW –  Judicial Foreclosure – Redemption…6.23.020
FCIC Federal Citizen Information Center (FCIC) – Home
FCIC Federal Citizen Information Center (FCIC) – Answers Answers…
Garnishment WA Wage Garnishment – Overview
Garnishment Oregon Wage Garnishment
Garnishment WA – Documents
HOA WA RCW – Homeowner Assoc (64.38 RCW)…64.38
HOA WA RCW – HOA Assessment Liens (RCW 64.34.364)…64.34.364
HUD Mortgagee Letters Letters
HUD Mortgagee Letters Letters
Landlord Tenant Get Your Deposit Back
Legal Research US Code PLUS – Govt. Printing Office
Legal Research US Code – Findlaw
Legal Research California Code – JudgmentsEnforcement
Mort. Loan Mod. Sevicer Training – MHA:Tier 1 & 2 & HAFA
Mort. Loan Mod. HAMP Eligibility – Tier 1 & 2 (pages 6-10)…_presentation.pdf
Mort. Loan Mod. HAMP Information – General
Mort. Loan Mod. HAMP Supplemental Directives
Mort. Loan Mod. Making Home Affordable – ALL PROGRAMS…
Mort. Loan Mod. 9th Cir. reverses Wells Fargo HAMP dismissal
Mort. Loan Mod. Fannie Mae – Making Home Affordable Program
Mort. Loan Mod. FHA-HUD HAMP qualifications – MLetter 2009-23…/09-23ml.doc
Mort. Loan Mod. FHA-HUD – Mortgagee Letter 2000-05
Mort. Loan Mod. Article: HAMP Tier 2 Explained…
Mort. Loan Mod. MHA Extension & Expansion – Supp Directive 12-02…
Mort. Loan Mod. MHA Non-GSE Handbook
Short Sale Bulletin #2012-16 (<=$6K to subordinate liens)
Short Sale Article: FICO – Short Sale
Short Sale Oregon Association of Realtors
Short Sale FannieMae – Servicing Guide SVC-2012-19
Short Sale HUD – PreForeclsoure Sales Program (2-8-13)
Short Sale Freddie Mac Standard Short Sale Info
Short Sale Freddie Mac – Overview for Real Estate Prof.
Short Sale Fannie Mae – Loan Workout Hierarchy
Short Sale BofA Cooperative
Short Sale HUD PFS – Mortgagee Letter 2008-43…/08-43ml.doc
Spouse Liability Spouse Liability for Debt of Other Spouse
Spouse Liability Spouse Liability for Debts Incurred Before Marriage
WA RCW WA Statutes – Search
WA Attorney General Washington State Attorney General – Homepage
WA DFI WA DFI – Homepage
WA DOL Frequently asked questions: Real estate
WA DOL Short Sale Advisory
WA DFI Short Sales – Seller Advisory
WA DOL Short Sale Guidance for Licenses
WA DFI Short Sale Guidance for Licenses
WA DFI Short Sale Seller Advisory for Washington Consumers
WA DOL Law of Real Estate Agency In WA
WA DOL DFI Laws and Rules re: Real Estate (Brokers etc.)
Tax Mortgage Forgiveness Debt Relief Act & DC 2007…
Tenant Protecting Tenant at Foreclosure Act
FDIC FDIC Financial Institution Letters
OR ORS Nonjudicial Foreclosure – No Deficiency Judgment
RCW Unlawful Practice of Law (RCW 2.48.180)
Real Estate Broker Licensed in WA?
WA DOL Managing Broker
OR DOJ FAQs- Short Sale Negotiators & Foreclosure Consultants…
Short Sale Freddie Mac Bulletin No. 2012-16 – SS Program…1216.pdf
SOL WA Statute of Limitations – Gnenral
SOL WA SOL – Conflict of Laws
Short Sale 3 year WA SOL
Foreclosure FFA – WA Foreclosure Mediation Toolkit
MortgagZ Loan LookUp Tool – Freddie Mac
Charity CareZ RCW Required Medical Cost Charity Care
Child SupportZ DCS Forms
Asset Protection Fraudulent Conveyance – RCW 19.40
Consumer ProtectionZ National Mortgage Settlement Website
BankruptcyX National Consumer Bankruptcy Rights Center
BankruptcyX National Association of Consumer Bankruptcy Attorneys
CourtsX Court Rules – WA Superior court_rules
CourtsX Court Rules – Clark County Superior