Stop garnishments and lawsuits! Stop foreclosure and save your home. Stop tax levies! Keep your cars, home and property. Our attorneys have over 100 years combined experience since 1978 and have helped thousands get a fresh start through chapter 13 bankruptcy and chapter 7 bankruptcy throughout Oregon and Washington. Consultations are always FREE! We can help end the harassment. We have an office near you.

Call us at the local number for your city below or 1 (800) 682-9568 for immediate answers or to schedule a free appointment. Chat live by clicking the icon to the right or send us an email for a fast response. We help protect our clients from creditor harassment, identity theft and false credit reporting.



 

 

Chapter 7 Bankruptcy

When you file a chapter 7 bankruptcy you list all of your creditors and all of your assets. We prepare a bankruptcy petition and schedules from information you help provide for us. When we file the bankruptcy case an automatic stay is imposed stopping all collection action including garnishments. After your bankruptcy case is filed you attend a bankruptcy hearing approximately 30 days later and you receive a discharge, your debts are officially wiped out, in 60 more days. In the vast majority of chapter 7 bankruptcy cases no one loses any property. You keep your car, house, cash, and more. What you are allowed to keep is based on the exemptions for your state. Chapter 7 is the answer for most persons that need to file bankruptcy.

Our job is to see that things are in order so that you do not lose anything when you file a chapter 7 bankruptcy. We will also be there after the bankruptcy is filed. We will always be available to answer your questions even years into the future. In fact, one of our attorneys specializes in suing creditors that abuse debtors even after bankruptcy has been filed. A chapter 7 bankruptcy will not discharge taxes that are less than three years old or taxes that have not been assessed more than two years before the chapter 7 bankruptcy is filed. A chapter 7 bankruptcy will not discharge child support, student loans, withholding taxes, nor resolve a defaulted home mortgage. It will wipe out credit card and medical debts. A chapter 7 bankruptcy can be filed every eight years. If a chapter 7 bankruptcy is not an option then a chapter 13 bankruptcy can often solve your problems.

Filing a bankruptcy is not the same wherever you go. Because of the change in the laws there are many different legal options and strategies available that will either cost you money or save you money. You want an attorney with the experience and expertise to solve your problem in the best way possible for you -- not the attorney or the creditors. Our firm files well over a hundred cases each and every month. We are very busy in this field. There is a reason for that -- we are good at what we do. We have the experience that you deserve.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy can resolve many issues that cannot be solved in a chapter 7 bankruptcy. For example, a chapter 13 bankruptcy will stop a foreclosure and allow you to catch up on your mortgage over three to five years. For example, perhaps you are behind $10,000 on your mortgage and in foreclosure. When you file a chapter 13 the foreclosure is stopped, you resume making your mortgage payments at the normal amount, and the amount you are behind ($10,000) can be paid over five years -- $166 per month.

Chapter 13 allows you pay taxes eliminating the penalties and stopping interest, stopping tax collections and harrassment. A chapter 13 can be filed to protect an asset that you would lose in a regular bankruptcy, for example too much equity in a home or a car that is worth too much. Chapter 13 can be filed more often than regular bankruptcy and is the answer if your income is too high to qualify for a regular bankruptcy. Depending on how long you have owned your car, in chapter 13 bankruptcy we can lower the amount you owe on the car and only pay what it is worth drastically reducing payments. Chapter 13 bankruptcy can provide for past due child support and stop garnishments. Chapter 13 will also allow you to keep your business. Chapter 13 normally will discharge all or the vast majority of your unsecured debt! When you consult with us we will go over your situation in detail and come up with a plan to resolve your problem no matter how complex it might seem to you now. Many people are pleasantly surprised when they realize the options that are available to them.

It is very important that you employ an experienced and expert attorney when you file a chapter 13. A chapter 13 case can be filed in many different ways which will save or cost you money. This is a major reason why you want a firm that are experts in this area. Our firm files many hundreds of chapter 13s every year. Our attorneys have had decades of experience in this area. Call us at our local number or 1 (800) 682-9568 to discuss your options.