Stop foreclosures, lawsuits, repossessions, garnishments collection agencies and creditor harassment!
Get the breathing room that you need!
Call or text (458)201-5745 for your absolutely free, no obligation bankruptcy consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Chapter 7 is the chapter of bankruptcy most people would choose. It is an inexpensive and speedy remedy that immediately stops creditor actions (lawsuits, foreclosures, repossessions, garnishments and collection agencies) and quickly discharges your dischargeable debt. It works best if most of your debt is unsecured debt like credit cards, medical bills and personal loans. Most (and I mean the vast majority) of my clients do not lose any property in a Chapter 7 Bankruptcy. In Oregon you can decide whether to use the state bankruptcy exemptions or the federal bankruptcy exemptions. Both are very generous and cover both real property (house) and personal property (cars, checking and savings accounts, furniture, etc.). Your retirement savings are absolutely exempt in any amount.
Eligibility: To be eligible for Chapter 7 Bankruptcy you must be under median income for your household size (or, your debts are primarily business debts or you come within other exceptions) and you have not received a discharge in a prior Chapter 7 filed within 8 years or a Chapter 13 filed within 6 years.
For cases filed in Oregon on or after May 15, 2022 the median income figures are:
The best way to decide whether Chapter 7 is a good option for you is to call or text (458)201-5745 and tell me about your situation. The call is free and your first consultation with me is absolutely free.
Chapter 13 is like loan consolidation, but with the power of federal law. It's the best remedy if you are behind several payments on your house or car or have tax debt, outstanding child support or other non-dischargeable debt. Above-median income filers may have no choice but to propose a Chapter 13 plan and you can file a Chapter 13 whether you are eligible for discharge or not. Just like Chapter 7, Chapter 13 puts an immediate stop to collection activities including lawsuits, garnishments, foreclosures and repossessions. Chapter 13 plans are either 3 years (for below-median income debtors) or 5 years (for above-median income debtors).
Eligibility: To be eligible for discharge under Chapter 13 your secured debts (like a home mortgage or car loan) must be under $1,395,875 and your unsecured debts (credit cards, medical bills) must be less than $465,275 and you have not received a discharge under a Chapter 7 case filed within 4 years or a Chapter 13 case filed within 2 years. Remember that if you filed a Chapter 13 previously, but did not get a discharge in that case, it does not affect your eligibility for discharge in a new case.
Bankruptcy law is lengthy and complex. The best way to determine whether Chapter 13 is a good option for you is to call or text (458)201-5745 for an absolutely free, no obligation bankruptcy consultation. I can usually get some basic information about your case and give you a pretty good idea of what your Chapter 13 plan payment would be. I will also answer all of your questions about Chapter 13. If you are otherwise eligible for Chapter 7, a Chapter 13 case can be converted to a case under Chapter 7 and, unlike Chapter 7, a Chapter 13 case remains completely voluntary after you file and you can voluntarily dismiss the case if you no longer desire to be in a Chapter 13 plan.
How do I start?
The first thing I like to do is to answer your questions about bankruptcy. My clients don't like surprises. They want to know exactly what bankruptcy would look like in their particular case. Can they keep their car? Are all of their debts dischargeable? What happens to their credit score? When will the garnishment stop? If they've been sued, do they have to go to court? Does their spouse have to file if they file? There are a lot of misconceptions about bankruptcy. To answer the questions above: Yes, most people (vast majority) can keep their car after filing bankruptcy. Most debts are dischargeable. Notable exceptions are student loans, child support and some (but not all) taxes. Depending on your current credit score, it could go up or down. If you have a good score now, chances are that a bankruptcy filing will lower it. However, if you don't have a good score, it's more likely that it will be higher after you file bankruptcy. The instant a bankruptcy petition is filed all collection activity, including garnishments, must stop. I will provide immediate notice of the bankruptcy to the creditor who issued the garnishment, the court that the garnishment is pending in and your employer. If you've been sued for a civil debt, filing a bankruptcy immediately stays that action. I will file a suggestion of bankruptcy in the court where your case is pending and you will not have to attend. No, your spouse does not have to file bankruptcy if you file. However, if you are living with your spouse I will need to know what your spouse's income is.
The best way to see what bankruptcy would look like in your particular case is to either call or text me at (458)201-5745 or email me at email@example.com. My office hours are Sunday, Monday, Thursday, Friday and Saturday from 10:00 a.m. to 6:00 p.m. I can come in on a Tuesday or Wednesday if you need me to.
Bankruptcy is a big subject and the best way to discuss it is with reference to your particular situation. So, it's not, "How does bankruptcy work?" It's, "How does bankruptcy work for me?" To answer that question, I need information. So, here's how a typical case goes:
Initial consultation. Your initial consultation is absolutely free and I will not pressure you to file a bankruptcy. You can ask all the questions you want and I can answer most of them by getting basic information from you. No paperwork. No fee agreement. Just a conversation. You can find most of the information I will need to start this conversation in this summary bankruptcy intake form below on the left. And, since we're talking about bankruptcy and I'm a lawyer, I'm required to provide you the disclosures which you can download from the link below on the right.
If you want to move forward, I recommend that we order a CIN Legal Data Services three bureau credit report. I charge exactly what CIN charges me: $37.00 for a single report or $74.00 for a joint report. We'll get the report within a few minutes and I will give you a copy. At that point, we will have some paperwork to do. You will need to do your Pre-petition Credit Counseling and I will give you a copy of the Things I Need to prepare your case. You can download those documents with the links below.
The pre-petition credit counseling is $20.00 with the cheapest provider (you pay them directly) and you can accomplish that either on the computer or by telephone. Remember to look at the CIN Legal Data Services Credit Report we ordered when you get to the "Things that I need." I usually don't need a copy of the paperwork for any debt that appears on that report.
You can take a look at my full-form bankruptcy intake in the link below. Just don't let it intimidate you. There are a lot of pages and a lot of questions, but most of them won't apply to you (i.e., your answer is simply, "No") and for a lot of the others, you will already have provided me with the information that I need to answer the question from the "Things that I need." Don't worry if you're not sure about a question. I can elicit most of the answers on this form just by talking with you.
All of the links above, with the exception of the summary bankruptcy intake are PDF forms. Filling them out does not provide any information to me. You download them to your computer and you can either read or fill a form out on the computer or print it out. To get the information to me, you will have to email it to me. Only the first link above, the short form bankruptcy intake sends me any information. If you fill out that form, I will get a copy of it and I will contact you. For the others, I won't even know you downloaded them and I won't contact you unless you contact me.