“Where We Help in Washington”
Filing for bankruptcy is one of the most emotionally and financially stressful events a person can go through. Whether you’re overwhelmed with debt, behind on your mortgage, or facing lawsuits and collections — it’s a situation no one wants to be in.
But here’s something many Washington homeowners don’t know:
You may be able to avoid bankruptcy by selling your house — fast.
In this blog, we’ll break down how it works, what your options are, and how REI Branded Home Buyer can help you sell your home quickly for cash with zero stress.
⚠️ Why People in Washington File Bankruptcy
There are dozens of reasons homeowners in Washington end up considering bankruptcy, including:
- Job loss or reduced income
- Divorce or legal separation
- Medical debt
- Back taxes or judgments
- Credit card or personal loan debt
- Foreclosure or missed mortgage payments
- Business failure
If you’re facing any of these, you’re not alone. We’ve helped sellers from Spokane to Tacoma who thought bankruptcy was their only way out — until they discovered another option.
🧾 How Selling Your Home Helps You Avoid Bankruptcy
Your house may be your biggest liability — or your greatest asset.
If you’re struggling with debt, liquidating your home before filing bankruptcy can:
✅ Stop foreclosure or collections
✅ Pay off major debts
✅ Reduce total debt burden before filing
✅ Improve your chances of qualifying for Chapter 7 (full discharge)
✅ Avoid bankruptcy altogether if your home sale covers your debts
🏚️ What If My House Needs Repairs?
You don’t need to fix anything.
At REI Branded Home Buyer, we buy houses as-is — even if they’re:
- Behind on payments
- Vacant or distressed
- Damaged by mold, termites, or water
- In probate or inherited
- In pre-foreclosure or have liens attached
Don’t waste money on contractors. Don’t wait for an agent. Let us handle it all.
🏦 How Bankruptcy and Foreclosure Interact
Bankruptcy vs. Foreclosure — both are legal processes, but very different:
| Foreclosure | Bankruptcy |
|---|---|
| Lender takes back your home | You file in court to pause or discharge debts |
| Ruins credit for 7+ years | Ruins credit, but can offer a clean slate |
| Can be avoided with a cash sale | Can sometimes delay foreclosure (temporarily) |
Want to avoid both?
Sell your home before foreclosure and before bankruptcy. We’ll help you get out with cash in hand and dignity intact.
Real Story: Fresh Start in Spokane
A seller in Spokane called us just days before filing Chapter 13. He owed back taxes, credit cards, and was behind on his mortgage by 5 months. The bank was breathing down his neck.
We were able to buy his house for cash, stop the foreclosure, and get him out from under the debt. He never had to file.
🧠 When Is the Right Time to Sell?
The earlier, the better.
Once bankruptcy is filed, the court gets involved — and that can limit your ability to sell, especially if you’re in Chapter 13 (repayment plan).
If you know you’re sinking fast, don’t wait. A fast home sale could keep your record clean and give you more options later.
💰 How the Cash Sale Process Works
- Contact us – Reach out or call 509-769-3439
- Get a fair cash offer – No showings, no agents, no stress
- Close on your timeline – In as little as 7–14 days
- Walk away debt-free – Use proceeds to pay down debt or start over
There are no commissions, no fees, and no repairs required.
🏡 Where We Help in Washington
We buy houses from families in tough situations across Washington, including:
- Spokane & Spokane Valley
- Yakima
- Tacoma
- Kennewick
- Richland
- Pasco
- Vancouver
- Walla Walla
- Everett
- Bellingham
- Ellensburg
- Pullman
- Moses Lake
- Olympia
- Centralia
- Washington (Statewide)
👋 Ready to Talk?
Whether you’re weeks from filing or already in a legal bind — we’re here.
📞 509-769-3439
📧 info@reibrandedhomebuyer.com
🔗 Contact us now
We’ll give you honest advice and a real cash offer — no pressure, no gimmicks.
⚖️ Legal Disclaimer
Disclaimer: This article is for informational purposes only and does not constitute legal or financial advice. Please consult an attorney or financial advisor before making decisions related to bankruptcy or foreclosure.
Sell Your Washington House Fast Today
About REI Branded Home Buyer
Real People. Real Stories. Real Solutions. We’re George and TJ — two regular guys who teamed up to create REI Branded Home Buyer, a local company with one simple mission: to help people sell their homes without stress, games, or pressure. We actually met at a local real estate meetup. A mutual friend randomly shouted, “Hey George, do you want to be this guy’s mentor?” George laughed and said, “Just give him my cell!” A coffee meeting later, and the rest is history. We've been working together ever since. Our passion for helping homeowners comes from personal experience. George was once homeless, so he deeply understands what it’s like to face housing uncertainty. TJ’s family went through a crisis and had to sell their home fast — with the help of a cash homebuyer. Those experiences shaped who we are and inspired us to create a company that treats people the way we wish we’d been treated. Let’s be real: the real estate world is full of shady companies, pushy salespeople, and sleazy homebuyers who care more about profit than people. We started REI Branded Home Buyer because we believe it should be the other way around — people first, profit second. We’re proud to call Spokane home. Our wives, Jenny and Michelle, love the slower pace of life here and all the outdoor beauty Washington has to offer. George and Jenny have two amazing daughters and two dogs — they love to travel and recently visited Japan to see their daughter abroad. TJ and Michelle are outdoor lovers through and through — backpacking, hiking, hunting, fishing, even rock climbing. Michelle’s become quite the mountaineer! If you’re thinking about selling a house — no matter the reason — we’d love to hear your story and see how we can help.