Contact Us

James M. Kristof, P.S.

Island Corporate Center
Suite 360
7525 SE 24th Street,
Mercer Island, WA 98040

(206) 275-0770


Debtor/Creditor Law

Debtor Law Mercer Island WAThe Law Offices of James M. Kristof, P.S. has represented creditors, as well as debtors, for over 30 years. This representation has spanned a broad spectrum of clientele, including many national insurance companies, banks, credit unions, loan companies, a variety of businesses, as well as individuals.  We understand the needs and economic considerations of large insurance companies with respect to their subrogation claims, as well as the needs and economic considerations of small businesses and individuals attempting to collect a debt.  Our experience includes advising clients regarding difficult economic decisions, which often must be made in terms of deciding the best course to take in pursuing a debt, or whether to pursue a debt at all.  Our firm has advised both debtors and creditors in debt restructuring, financial workouts, and bankruptcy.

In more than 30 years of representing clients with their debtor-creditor law needs, we have gained extensive legal experience in the following areas of debtor/creditor law:

  • Collections
  • Debt Restructuring/Workouts
  • Garnishment
  • Foreclosures
  • Liens
  • Litigation
  • Attachment
  • Bond Claims
  • Bankruptcy
  • Subrogation
  • Loans and Security
  • Sale of Property
  • Landlord/Tenant

Representing Businesses That Need to Collect

Creditor Law Mercer Island WAFrom time to time, many businesses experience challenges in reducing and controlling their accounts receivable. You and your business can rely on our years of experience and skill in collecting your accounts receivable.

Here is a small sampling of the businesses we have assisted with collections in the past:

  • Banks
  • Contractors and Subcontractors
  • Dentists
  • Doctors
  • Lenders
  • Insurance Companies


The Law Offices of James M. Kristof, P.S. has also represented both individual debtors and business debtors in the United States Bankruptcy Court for the Western District of Washington - in Chapter 7, Chapter 11 and Chapter 13 bankruptcies.  If you have any questions as to what we can do for you and your needs as a debtor or creditor, please contact our Law Offices to set up a time that is convenient for you to come in and discuss a plan that will benefit you.