Seattle Consumer Justice, P.S. – Seattle, WA

Fighting for Borrowers in Pioneer Square

Seattle Consumer Justice, P.S. is a boutique law firm located in the historic Pioneer Square district, dedicated to defending the rights of consumers and debtors. The firm was founded by attorneys Christina L. Henry and Jacob DeGraaff, who saw a need for high-level legal representation for individuals facing predatory lending and aggressive debt collection. Unlike general practice firms, Seattle Consumer Justice specializes in the intersection of bankruptcy and consumer protection law. They are particularly renowned for their work in the niche area of student loan litigation, helping borrowers discharge or manage crippling educational debt-a feat many other attorneys consider impossible. The firm operates with a mission to level the playing field between ordinary people and massive financial institutions.

Focused Consumer Advocacy

The firm’s practice areas are designed to provide a comprehensive shield against financial abuse.

• Student Loan Law: Evaluating private and federal student loans for potential discharge in bankruptcy (adversary proceedings) and defending against collection lawsuits.
• Consumer Bankruptcy: Representing individuals in Chapter 7 and Chapter 13 filings to stop wage garnishments, prevent foreclosure, and eliminate debt.
• Foreclosure Defense: Fighting to save homes from illegal foreclosure practices and negotiating loan modifications under the Washington Foreclosure Fairness Act.
• Debt Collection Defense: Suing debt collectors who violate the Fair Debt Collection Practices Act (FDCPA) by using harassment or deception.
• Credit Reporting: Correcting errors on credit reports and holding bureaus accountable under the FCRA.
• Solar Panel Fraud: Representing homeowners who were scammed into predatory financing agreements for residential solar energy systems.

Empowering Clients

Seattle Consumer Justice, P.S. is known for its compassionate and non-judgmental approach. They understand that financial distress is often the result of life circumstances-medical emergencies, job loss, or divorce-rather than irresponsibility. The attorneys work closely with clients to develop a holistic strategy that not only resolves the immediate legal crisis but also sets the stage for long-term financial stability. Christina Henry is a nationally recognized speaker on student loan law, and the firm’s attorneys are active in the National Association of Consumer Bankruptcy Attorneys (NACBA).

"Debt is not a moral failing. You have rights, and we are here to enforce them against the giants of the finance industry."

The firm’s office in the historic Maynard Building reflects their deep roots in the Seattle community. By combining aggressive litigation with detailed regulatory knowledge, Seattle Consumer Justice, P.S. has secured significant victories for consumers against banks, servicers, and collectors.

Historic Pioneer Square Hub

The firm is headquartered in the Maynard Building at 119 1st Avenue South. This stunning 1892 Richardsonian Romanesque building is a landmark of Pioneer Square. Located just steps from the waterfront and the stadium district, the office offers a dignified and professional setting. Clients visiting the firm are surrounded by the history of Seattle while fighting for their future 🏛️💸⚖️.