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.
Which Chapter of Bankruptcy is Right For Me?
*stop garnishments and wage levies
*wipe out unsecured debt
*keep house, car, cash and more
*in and out in 3-4 months
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
*wipe out unsecured debt in most cases
*stop foreclosure and catch up on missed house payments over time
*wipe out 2nd mortgage in many instances
*pay value of car only not what is owed
*Pay past due taxes eliminating penalties and stopping interest
*keep your business
Chapter 13 allows you pay taxes eliminating the penalties and stopping interest, stopping tax collections and harassment. 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.
Chapter 12 Bankruptcy
*keep the family farm by reorganizing finances
When a chapter 12 is filed an automatic stay is put in place. All lawsuits and collection action stops. Foreclosure proceedings are stopped and the debtor given a breathing space (90days) to formulate a plan that complies with the requirements of chapter 12 laws. The plan which we will draft will protect you and give you up to five years and even longer to resolve your debt problems allowing you to keep your farm, equipment and home.
Chapter 12 bankruptcy law was largely copied from chapter 13. So the advantages of chapter 13 pour over to chapter 12 with some additional advantages as well. We have filed many thousands of Chapter 13's in Oregon and Washington. Often after consulting with farming clients we learn that problems can be more easily solved in chapter 13. However there are often reasons why a chapter 12 is better.
For more information on Chapter 12, click here.
Chapter 11 Bankruptcy
*Chapter 11 is designed for corporations and individuals that do not qualify for other forms of bankruptcy. Please schedule and appointment to go over your situation direct by phone with one of our attorneys.
