2411 SW 5th Ave.
Portland, OR 97201
Phone: 503-227-3819
Email: senftlaw@gmail.com
Hours: Mon-Fri 9AM-5PM
Weekend/Eve by Appt
We live in a time where most people live paycheck to paycheck, and the idea of an emergency fund is non-existent. When people encounter an emergency, oftentimes they will use their credit card to cover the unexpected expense simply because they have no other choice. If you are able to pay off the expense in […]
Commuting to work is a necessary part of employment. Some people take public transportation, which may not always be an option. One of the biggest fears when it comes to considering bankruptcy is losing your vehicle. This could make it impossible to earn a living. There is good news; the courts understand this, so in […]
People love freedom, and one of the first times you truly experience freedom is when you get your first car. Whether your car means freedom or simply gets you from point A to point B, it is necessary for most of us to be able to earn a living. Many of us find ourselves in […]
One of the biggest fears people have when considering bankruptcy is that they’ll lose their property. What happens to your car or home depends on several aspects of your case, including which chapter you’re filing. Many people choose a Chapter 13 and include their home and car payments in their repayment plan. This keeps the […]
People have a variety of ways of relating to and managing their money. Often, this is driven by our experiences or emotions. Some of us don’t spend much time or energy on financial management, and instead just spend money to meet our needs. Some people, on the other hand, may be fearful of money, worry there […]
Filing bankruptcy in Oregon can be a whirlwind experience with emotional highs and lows. You may become discouraged when you think of the negative consequences of filing, such as a lowered credit score, and you may even fear losing important possessions, such as your home. For most people, the benefits of filing far outweigh the […]
Being in debt is stressful, but things can get really intense when you start to struggle to keep up with your basic expenses, such as rent. Making a late payment here and there may be ok, but some landlords are quick to move toward the eviction process. If you’re renting and considering bankruptcy, it’s best […]
Often, missed bill payments are the first indicator that your financial situation needs revision. If you cut your payments close each month, it’s time to take a close look at your budget. If you’ve cut all of the unnecessary expenses but are still struggling to make timely payments, you may begin getting calls from creditors […]
Bankruptcy is an extremely useful tool to help you get out of unmanageable debt and start fresh financially. However, some people don’t change their spending habits and spend their way right back into debt even after a bankruptcy. I’m here to help walk you through establishing good spending and saving habits so that you start off your new financial […]
Some of us are more prone to worry than others, but most people can agree that being in debt that is impossible to pay off can be scary. Some of the fear can be traced to untrue myths that people often share about bankruptcy, such as people becoming destitute and homeless by filing. Even if your fears aren’t that extreme, you […]