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All posts in General

The Homestead Exemption in Oregon

The thought of bankruptcy can bring up many worries and fears, especially related to keeping important property, such as your home. While some people do end up losing their homes during bankruptcy, this is not always the case. The key to keeping your home is to prioritize your mortgage payments over other debts that will end up being discharged during your bankruptcy. Mortgage lenders may also be willing to work out a payment plan or some other compromise in order to avoid pursuing foreclosure. Read more →

December 28, 2015 / General

Oregon Bankruptcy Exemptions

People sometimes put off bankruptcy when they know they really need to file because they worry about losing their property. While there are myths and stories of people who lost everything when they filed, this doesn’t really happen. Just about everyone who files bankruptcy does so reluctantly, but later looks back and sees it as a wise financial move that afforded them a new start. Read more →

December 18, 2015 / General

How To Avoid Mistakes When Filing Bankruptcy

Fear and desperation often lead people to make mistakes. Some people take the time to trim down their expenses in an effort to get caught up on their payments. Others freeze and end up ignoring the problem. Debt can easily spin out of control to the point where monthly obligations are difficult to meet.

If you find yourself in a situation where you are unable to keep up with your bills, it may be time to consider bankruptcy. First, conduct a little research to make sure that you don’t make any mistakes in this process. Read more →

December 11, 2015 / General

Section 341 Meetings in Oregon

Once all of your paperwork is completed, you’ve gathered all pertinent documentation, and taken your pre-filing credit counseling course, your 341 Meeting with the court trustee will be scheduled.

This may sound intimidating, but the trustee is simply gathering additional information from you and asking questions about any circumstances that may be unclear. You won’t be interrogated, and your attorney will be there to assist you if you’re unsure how to answer any questions that could come up. Read more →

December 4, 2015 / General

What is Bankruptcy Fraud?

Preparing to file bankruptcy can be overwhelming or even scary. You may worry that you’ll miss an important step or inadvertently do something wrong or illegal, simply because you didn’t have all the information you needed. By choosing to work with an experienced, professional bankruptcy attorney, you can put your mind at ease over any fears of accidentally committing fraud. Read more →

November 27, 2015 / General

What is the Difference Between Secured and Unsecured Debts in Oregon?

In today’s world, establishing credit is a must. This is done by financing items or getting into some debt and making payments. Unfortunately, debt can add up quickly. Payments can grow quite large, and making monthly minimum barely makes a dent in your total balance due to high-interest rates. Read more →

November 20, 2015 / General

How to Choose a Bankruptcy Lawyer

Most people do everything they can to avoid bankruptcy, from cutting their spending to working with creditors. But sometimes bankruptcy truly is the best solution to debt troubles, and then you’re faced with the task of selecting a bankruptcy attorney to help you. While you can choose to prepare and file your own case, there is a risk that you may miss important details or make filing decisions that could be costly in the long run. The investment you’ll make by working with an experienced attorney could save you stress negative consequences that could last for years. Read more →

November 13, 2015 / General

What is the Automatic Stay?

Knowing you’re in debt and can’t make your payments is stressful enough, but adding letters and calls from creditors on top of it all can be overwhelming. The calls may come at inconvenient times, and you may feel pressured to commit to a payment that you simply can’t make. Read more →

November 6, 2015 / General

What is Oregon’s Bankruptcy Means Test?

If you’ve been trying to keep up with your debt, you may be unsure where to turn for relief. You may wonder if you qualify for bankruptcy, how it works, or if it’s even an option for you. I’m here to help assess your overall situation and explore all of your options before making any decisions. That way, you can confidently move toward a future of financial freedom. Read more →

October 30, 2015 / General

Chapter 7 or Chapter 13 Bankruptcy Attorney

When should you consider bankruptcy. You have worked out a budget and cut your expenses but you still can’t pay your bills in a timely manner. Every time the phone rings you cringe because it is most likely a creditor and you know that you won’t be able to make the payment they are asking for. Your debt is spiraling out of control and you don’t know how to make it stop. Read more →

October 23, 2015 / General