5 Best Licensed Insolvency Trustees in Seattle (2026)

Independently ranked by our review of ratings, reviews and reputation · How we chose

By Lorian Hartfield, Real Estate and Financial Expert · ✓ Data verified July 2026 · 8 min read

If you are searching for licensed insolvency trustees in Seattle, that title is Canadian: in the United States the same job belongs to bankruptcy attorneys, credit counsellors, and trustees appointed by the court. The firms below have logged nearly 1,200 Google reviews between them, and every one carries a rating of 4.4 or higher, so the harder question is not who is competent, it is who fits your situation and your budget.

Short answer: For debt relief in Seattle, American Consumer Credit Counseling leads with a 5.0 rating across 890 reviews, the deepest track record on this page and a fit if you want credit counseling before bankruptcy. If you need a bankruptcy attorney specifically, Symmes Law Group PLLC holds 5.0 across 151 reviews. Most firms here offer a free initial consultation before you commit to anything.

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1. American Consumer Cred…
2. Symmes Law Group PLLC
3. Law Offices of Lance L…
4. Sound Advocates Law Gr…
5. Washington Debt Law, P…
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How Seattle's Bankruptcy and Debt-Relief Firms Compare

#	Business	Rating	Reviews	Best for
1	American Consumer Credit Counseling, Inc	5.0 ★	890	Credit counseling and debt management plans	View ›
2	Symmes Law Group PLLC	5.0 ★	151	Personalized bankruptcy filing with direct attorney access	View ›
3	Law Offices of Lance L. Lee	4.9 ★	61	Solo-practitioner bankruptcy with flat-rate pricing	View ›
4	Sound Advocates Law Group PLLC	5.0 ★	52	Bankruptcy filing paired with estate planning or real estate needs	View ›
5	Washington Debt Law, PLLC	4.4 ★	34	Debt and civil litigation from a smaller firm	View ›

5 Best Licensed Insolvency Trustees in Seattle (2026)

Our top picks, reviewed

#1 Overall🕑 Open 6 days/wk↩ Responds to reviews

American Consumer Credit Counseling, Inc

5.0890 Google reviews

American Consumer Credit Counseling is a nonprofit credit counseling agency with a Seattle office on 5th Avenue, part of a national network that has run debt management programs for years. Their services cover credit counseling, debt management plans, bankruptcy counseling, and housing counseling, including help with foreclosure and reverse mortgages. They work by phone as much as in person, walking clients through options before anyone commits to a formal bankruptcy filing.

What people praise

Counselors take time to explain options instead of rushing to a decision
Clients describe staff as patient with people who are new to the process
Praised for clear, judgment-free explanations of debt management plans
Multiple reviewers mention feeling calmer and more in control after one call

Worth knowing

As a phone-first counseling service, some clients may prefer meeting in person

Reputation scorecardrank in Seattle

Rating5 / 5

Review volume890 · 97th

Confidencevery high

Recency7 weeks ago

Info completenesssite · phone · hours

Rating breakdown98% 5-star

✓ VerifiedSource: Google

Our take: The rating and review count here are the strongest on this page by a wide margin, and the reviews consistently describe the same thing: staff who slow down and explain rather than push a product.

Website +1877-440-1773 Directions

701 5th Ave 42nd Floor, Seattle, WA 98104

#2🕑 Open 7 days↩ Responds to reviews

Symmes Law Group PLLC

5.0151 Google reviews

Symmes Law Group PLLC is a Westlake Avenue firm led by attorney Richard Symmes, focused on consumer bankruptcy under Chapter 7 and Chapter 13, along with debt settlement, foreclosure mediation, and estate planning. The firm also handles short sales and surplus funds recovery tied to foreclosure cases. Symmes personally responds to client reviews, and several clients mention working with him directly rather than being passed to a paralegal.

What people praise

Clients describe Richard Symmes as calm, responsive, and easy to reach personally
Praised for making a stressful decision feel manageable
Reviewers say the process moved quickly once they engaged the firm
Consistently mentioned as being clear about what to expect at each step

Reputation scorecardrank in Seattle

Rating5 / 5

Review volume151 · 91th

Confidencemoderate

Recency4 weeks ago

Info completenesssite · phone · hours

Rating breakdown99% 5-star

✓ VerifiedSource: Google

Our take: A near-perfect rating built on 151 reviews, all pointing to the same thing: direct access to the attorney handling the case, not a call center.

Website +1206-257-3028 Directions

1818 Westlake Ave N #202, Seattle, WA 98109

#3🕑 Open 5 days/wk↩ Responds to reviews

Law Offices of Lance L. Lee

4.961 Google reviews

The Law Offices of Lance L. Lee has handled bankruptcy cases exclusively since 2000, with Lee himself, licensed in both Washington and California since 1996, working every case personally rather than delegating to paralegals. The firm files Chapter 7 and Chapter 13 cases and advertises low, flat-rate pricing for its services. Its downtown 7th Avenue office has been in the same bankruptcy niche for over two decades.

What people praise

Reviewers highlight working with Lee directly rather than staff
Praised for patience with first-time filers who are anxious about the process
Clients mention flexibility, including meeting clients where convenient
Described as thorough without over-complicating the explanation

Worth knowing

Smaller, one-attorney practice, so availability may be tighter during busy periods

Reputation scorecardrank in Seattle

Rating4.9 / 5

Review volume61 · 84th

Confidenceearly

Recency3 months ago

Info completenesssite · phone · hours

Rating breakdown98% 5-star

✓ VerifiedSource: Google

Our take: A 4.9 rating on 61 reviews is a strong showing for a solo practice, and the reviews back up the 'one attorney, no handoffs' pitch on the firm's own site.

Website +1206-332-9841 Directions

1700 7th Ave #2100, Seattle, WA 98101

#4🕑 Open 5 days/wk

Sound Advocates Law Group PLLC

5.052 Google reviews

Sound Advocates Law Group PLLC is a Puget Sound firm practicing bankruptcy alongside small business law, estate planning and administration, and real estate. Based south of downtown Seattle, the firm serves the broader Northwest region and positions itself as a general practice that can handle a bankruptcy filing and related legal needs under one roof.

What people praise

Clients repeatedly mention patience with non-standard schedules and circumstances
Praised for clear communication and realistic timelines
Reviewers describe fees as reasonable and clearly explained upfront
Multiple mentions of a smooth, uncomplicated filing experience

Reputation scorecardrank in Seattle

Rating5 / 5

Review volume52 · 78th

Confidenceearly

Recency3 months ago

Info completenesssite · phone · hours

Rating breakdown100% 5-star

✓ VerifiedSource: Google

Our take: Every review on file is five stars, and the volume is smaller than the firms above it, so the confidence is real but still building.

Website +1206-420-8710 Directions

14900 Interurban Ave S Ste 165, Seattle, WA 98168

#5🕑 Open 5 days/wk↩ Responds to reviews

Washington Debt Law, PLLC

4.434 Google reviews

Washington Debt Law, PLLC is a Seattle firm led by attorney Edgar Hall, handling debt-related legal matters including disputes with creditors and civil litigation tied to financial hardship. The firm is based in the Northgate area and works with clients on cases that don't always fit a straightforward bankruptcy filing.

What people praise

Several reviewers describe Hall as knowledgeable and reassuring in complex cases
Praised for taking on cases other firms had turned down
Clients mention feeling genuinely supported during a difficult time

Worth knowing

A few reviewers describe inconsistent follow-up communication after the initial consultation
Newer to this page with fewer reviews than the firms above it

Reputation scorecardrank in Seattle

Rating4.4 / 5

Review volume34 · 72th

Confidenceearly

Recency3 months ago

Info completenesssite · phone · hours

Rating breakdown85% 5-star

✓ VerifiedSource: Google

Our take: The rating here is the lowest on this page at 4.4, and the pattern in the reviews is split cleanly between glowing outcomes and communication gaps, so it's worth asking directly about response times before signing on.

Website +1206-535-2559 Directions

12535 15th Ave NE Ste 214, Seattle, WA 98125

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How we score

Rating is the live Google average for each firm. Review volume measures how many clients have left feedback, ranked against others on this page. Confidence blends rating with volume, since 50 reviews at 5.0 says less than 900 reviews at 5.0. Recency checks how many reviews have come in lately, and completeness checks whether a firm has a working phone number, hours, and a website on file. No firm can pay to change any of these numbers.

What does bankruptcy help cost in Seattle? (2026)

None of the firms on this page publish specific fee schedules in their public listings, and the total cost of a bankruptcy filing depends heavily on whether it’s Chapter 7 or Chapter 13, how complex the assets and debts are, and whether the case is contested. Nonprofit credit counseling, by contrast, is typically free or low-cost as a first step before any legal filing.

Serving all of Seattle

These firms cluster downtown, from 5th Avenue and Westlake to 7th Avenue near the courthouse, with others based near Northgate and south along Interurban Avenue toward Tukwila. Several offer phone and video consultations, so if you’re searching for insolvency help near me in neighborhoods like Ballard, Capitol Hill, or West Seattle, distance from downtown doesn’t have to be a dealbreaker.

Best Licensed Insolvency Trustees in Toronto

What to ask before you hire a bankruptcy attorney or trustee

Is a free initial consultation available before I commit to anything?
Will I work directly with the attorney, or mostly with paralegals and staff?
What’s the total cost, including filing fees and any add-on charges?
Which chapter of bankruptcy fits my situation, and why?
How long does a typical case like mine take from filing to discharge?
What happens to my house, car, or other assets during the process?

Frequently asked questions

Are these rankings paid?

No. Rankings come from public Google data. A business can pay to be a Featured Partner (badge and top placement), but that never changes another business’s score or position.

Is there such a thing as a licensed insolvency trustee in Seattle?

Not under that name. Licensed Insolvency Trustee is a Canadian designation. In Seattle and the rest of the United States, insolvency work is handled by bankruptcy attorneys who prepare and argue your case, credit counselling agencies that look at alternatives first, and trustees appointed by the bankruptcy court to administer a filing. The firms on this page are US bankruptcy and debt-relief practitioners, which is the equivalent of the role most people mean by this search.

How did you choose these firms?

We pulled real Google ratings and review counts for bankruptcy attorneys and credit counseling services in Seattle, then ranked them by a mix of rating, review volume, and recency.

How often is this list updated?

We verified this data in July 2026 and refresh it periodically as new reviews come in.

Do I need a lawyer to file for bankruptcy, or can credit counseling help first?

Federal law requires credit counseling from an approved agency before filing bankruptcy, which is one reason a firm like American Consumer Credit Counseling is often the first call rather than a law office.

What’s the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 typically discharges unsecured debts through liquidation, while Chapter 13 sets up a repayment plan over several years and can help protect assets like a home. Which one fits depends on income and what you own.

The bottom line

If you’re not sure where to start, American Consumer Credit Counseling’s volume and rating make it a safe first call, especially since credit counseling is often required before any bankruptcy filing anyway. If you already know you need to file and want a lawyer who won’t hand you off to staff, Symmes Law Group or the Law Offices of Lance L. Lee are both worth a consultation.

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