Sunday, January 25, 2015

Directions to Mulvaney Law Offices, PLLC


Directions to Mulvaney Law Offices, PLLC
14205 SE 36th St Ste 100 Bellevue, WA 98006-1553

From I-90 Eastbound
Exit #10B to Richards Road.  Go straight passed stoplight to SE36th St. passed the Factoria Marketplace Mall and T-Mobile. The Premier Business Centers Building is about 1 mile on the right.

From I-90 Westbound
Exit #11 to 150th SE.  Turn right/west at second stoplight (SE 38th St. with the Chevron station on the corner) which becomes SE 36th St.  The Premier Business Centers Building is about 1 mile on the left.

From I-405 Southbound
Exit #11 Spokane I-90 East.  Exit #11A 150th SE. Turn right/west at second stoplight (SE 38th St. with the Chevron station on the corner) which becomes SE 36th St.  The Premier Business Centers Building is about 1 mile on the left.

From I-405  Northbound
Exit #10 Coal Creek Parkway.  Turn Right on Coal Creek Parkway.  Turn Left on Factoria Blvd.  Turn Right on SE 36th St. at the Factoria Marketplace Mall (just before I-90). The Premier Business Centers Building is about 1 mile on the right.

Below are some details that may help you to locate my office more easily.

On the map above, 142nd Place is the overpass over I-90 that leads to the park and ride and Bellevue College.  The parking lot entrance is the first driveway east of the overpass.

If you are headed east on SE 36th St. turn right as soon as you go through the light at 142nd Place.  If you miss the first entrance, there is another entrance before you reach the Windermere Building. 

If you are headed west on SE 36th St., then turn left into the first driveway after you pass the Windermere  Building.  If you miss the first driveway entrance, there is a second entrance before you reach the light at 142nd Place. 

Suite 100 is the entire first floor of the Premier Business Centers Building.  My office number is 144 within Suite 100.  It is a window office facing west.  The receptionist leaves at 5 p.m. and the outside door is often locked at that time as well, so please call me at 425-649-1190 to greet you after hours.  Thank you.  I look forward to meeting you.

 14205 SE 36th St Ste 100
Bellevue, WA 98006-1553
Phone: 425-649-1190
Fax: 425-223-3197


Sunday, January 18, 2015

Income Based Student Loan Repayment

Below is a link to information about income based repayment programs for student loans that can set your required payment at zero and keep you out of default.  Payments for many people are more affordable under theses programs.


Income-Based Repayment and Pay As You Earn are two ways to help keep monthly payments affordable based on your income and family size. Visit the Department of Education’s Repayment Estimator to find out what your payments might be.

Income-Based Repayment (IBR) is a way to make your federal student loan payments more manageable.  And if you're a teacher or work in government or at a nonprofit (501(c)(3)) organization, you might qualify for a new type of public service loan forgiveness (PSLF) after 10 years of eligible payments and employment.

 As of December 21, 2012, recent college graduates with federal student loans can apply to lower their monthly payments using the Pay As You Earn plan. This new repayment plan has a lower monthly payment cap than the more widely available Income-Based Repayment (IBR) plan. Pay As You Earn also provides forgiveness after 20 years of payments, rather than 25 years in IBR. President Obama recently proposed expanding Pay As You Earn to federal student loan borrowers who took out loans before October 2007 or those who stopped borrowing by October 2011. For more information about the expansion, read the White House fact sheet.

 Below is a web site with information about your student loans.

14205 SE 36th St Ste 100
Bellevue, WA 98006-1553
Phone: 425-649-1190
Fax: 425-223-3197


Saturday, January 17, 2015

5 Reasons to Hire MLO


1) I care about the outcome of your case.
If I don't believe I can give you a high probability of achieving your desired
outcome, I would prefer you hire someone else. When I meet with you, I will assist
you in analyzing your situation as though it were a chess game that has already
been half played.


            We will discuss options so that you can make the best next move for yourself given the position of the pieces. 
                If I am not suited to guiding you in that move, I wish you the best in finding someone
 who is best suited for you.

2) I care about your experience of the process.
I am committed to representation proceeding smoothly, so that you are
pleasantly surprised and delighted. At the end, I want you so say, "That wasn't
 nearly as bad as I thought it was going to be."

3) I care about value.
I want each and every client to feel that what they received from the
 representation was worth what was paid and more. I am not the
cheapest lawyer or the most expensive. I aim for the place where the benefit
to you is greatest. I first consider what you need and focus on that. Then I work
with you regarding payment. I would rather do work that makes a positive
difference in your life and be paid less, than be paid more and do something that
doesn't matter to you.

4) I care about protecting your rights.
 I strive for excellence and continue to learn everything I can, so that I can
stand resolute between you and whatever you are facing.

I am 6'5" tall and weigh over 300 pounds. You can think of me as the intellectual
equivalent of the guy in school who says to the bully, "If you want to pick on 
someone, you are going to have to get through me first."

5) I care about you.
Addressing your legal issues takes place within a larger context of
transformation from who you were to who you become after you have made the
best choices for yourself under your particular circumstances. I am privileged
to be part of the options and possibilities which open up to you having worked
through your legal issues, whether they involve obtaining a fresh start in
bankruptcy, divorce, planning the distribution of your estate, or administering
the estate of a loved one who has passed.

 14205 SE 36th St Ste 100
Bellevue, WA 98006-1553
Phone: 425-649-1190
Fax: 425-223-3197


Who I Am Professionally

MULVANEY LAW OFFICES, PLLC  is a Washington State Professional Limited Liability Company (1202394), and is a "debt relief agency" under federal law because we help people file cases under the U.S. Bankruptcy Code.  Christopher S. Mulvaney (Washington State Bar Number 33595 )
is the sole Member.

Christopher Sean Mulvaney, graduated Cum Laude in 2002 earning his J.D. from Gonzaga Law School in Spokane,Washington.  Mr. Mulvaney was admitted to practice law in Washington in 2003.


Mr. Mulvaney's Curriculum Vitae is available below.
27.5 KB

Schools Mr. Mulvaney attended are as follows:

Gonzaga Law School JD Cum Laude 2002

14205 SE 36th St Ste 100
Bellevue, WA 98006-1553
Phone: 425-649-1190
Fax: 425-223-3197


Pro Bono Publico


MULVANEY LAW OFFICES, PLLC strives to live up to the Jesuit mission in education instilled at Gonzaga Law School. Below is a quote from the leader of the Jesuits describing the mission:

The service of faith through the promotion of justice is the mission that must be integrated as a priority into each Jesuit work.Our purpose in education, then, is to form men and women "for others." The Society of Jesus has always sought to imbue students with values that transcend the goals of money, fame and success. We want graduates who will be leaders concerned about society and the world in which they live. We want graduates who desire to eliminate hunger and conflict in the world and who are sensitive to the need for more equitable distribution of the world's goods. We want graduates who seek to end sexual and social discrimination and who are eager to share their faith with others. In short, we want our graduates to be leaders-in-service. That has been the goal of Jesuit education since the sixteenth century. It remains so today.

   Peter Hans Kolvenbach, S.J. Superior General of the Society of Jesus

 Mr. Mulvaney volunteers at the Eastside Legal Assistance Program.
"It's not justice if it's not equal."
Mr. Mulvaney volunteers at the bankruptcy neighborhood legal clinic
 sponsored by the King County Bar Association. Call 206-267-7070
Tuesday - Thursday from 9:00 am - 12:00 pm for an appointment.      
The location and time of the clinic is below.
South Seattle - Mondays, 7:00-9:00 PM
3815 S Othello St, Suite 105
Seattle, WA 98118

There are a lot of free legal resources available.  Below are a few.
Washington Pro Bono General Overview: There are two main pro bono programs that address the needs of Washington residents: Coordinated Legal Education, Advice, and referral system (CLEAR) and the Crisis Clinic.
Coordinated Legal Education, Advice, and referral system (CLEAR): Provides legal referrals to low-income residents residing outside of King County in civil matters. Call When seeking assistance, please call CLEAR Intake before calling other legal services programs.
Crisis Clinic: Provides referrals to low income King County residents in civil matters. Service available Monday through Friday from 8 a.m. – 6 p.m. Service is not available on weekends, and messages may not be left.
Washington Pro Bono Contacts:
Washington State Bar
Pro Bono and Legal Aid Committee
Chair Dan Young (12020)
1000 Second Avenue
Suite 3310
Seattle, WA 98104-1019
CLEAR Intake:
(toll free) 1-888-201-1014
Crisis Clinic:
For the deaf and hearing impaired: 711
Toll free 1-800-621-4636 (king County only)
General Information on a Variety of Consumer Law Issues

Click the image below for a great source of Washington law information.


Washington State Bar Association Legal Help

 King County Bar Neighborhood Legal Clinics
King County Bar Lawyer Referral Service
King County Bar Pro Bono Services

 14205 SE 36th St Ste 100
Bellevue, WA 98006-1553
Phone: 425-649-1190
Fax: 425-223-3197


Attorney Client Relationship

An attorney-client relationship is formed by mutual agreement. Attorney does not have to work on every matter for Client or work for every Client. Client does not have to hire Attorney in writing, and may terminate Attorney's representation at any time in writing (the right to be paid for work already performed is not terminated, however). The Attorney-Client relationship is a Principal-Agent relationship in which the Client is the Principal and the Attorney is the Agent.

In order for a duties as an Attorney (other than the duty of confidentiality which applies to prospective Clients as well as Clients) to arise, the Principal/Client must request legal advice, and the Agent/Attorney must agree to give legal advice. Signing this Agreement is not enough (all by itself) to create an Attorney-Client relationship. Signing the Agreement creates an Attorney and Prospective Client relationship. It is only when Client requests services and Attorney agrees to perform those services that an Attorney-Client relationship is formed.

Rights & Responsibilities of Client and Attorney.   A good fit between Attorney and Client is imperative. Client must have a working email address, and check it at least daily. Attorney will email attached documents to Client. Once Client has retained the Firm, Client can email Attorney questions directly. Please do not call with questions.

Clients' Bill of Rights

Client has the right to expect Attorney to follow the Rules of Professional Conduct.  In addition to that, Clients of MULVANEY LAW OFFICES, PLLC have the right to expect Attorney to put Clients' interests first in all things, not just in avoiding conflicts of interest, but in the broadest sense of commitment to Clients well being.  Clients should expect more than the minimum required.  Clients should expect that Christopher S. Mulvaney will not profit at their expense because profit is expansively defined to include the positive difference in the life of each Client.  A positive difference is not the same as a guaranteed outcome.  A positive difference includes how a Client feels about how Client was treated and whether Client believes Client made the best choice for Client after consideration of all alternatives.

Clients' Duties are the Attorney's Bill of Rights

Attorney has the right to expect Client to be honest, not withhold information or provide false information.

Attorney has the right to expect Client to communicate with Attorney regarding the representation and not communicate with other lawyers, the Bankruptcy Trustee, US Trustee, the media, or post online regarding the matter, or file complaints against adverse parties without telling attorney first.

Attorney has the right to expect Client to read the information on this web site and ask questions if Client doesn't understand something.

Attorney's Duties
Attorney's duties are numerous.  Below is an 81-page document containing the Rules of Professional Conduct for Lawyers in Washington State.

Key duties include:  Competence, Diligence, Communication, Confidentiality, Conflicts of Interest, Safeguarding Property, Trust Account Records, Declining or Terminating Representation, and Duties to Prospective and Former Clients.

 14205 SE 36th St Ste 100
Bellevue, WA 98006-1553
Phone: 425-649-1190
Fax: 425-223-3197