Debt Relief
03
Oct
Burgerville Security Breach
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Today The Oregonian reported that anyone who used a debit or credit card at Burgerville from Sept. 2017 to Sept. 2018 has been subject to a data breach. https://www.oregonlive.com/business/index.ssf/2018/10/burgerville_reports_major_cred.html Any Burgerville customers who have experienced identity theft or credit harm in the past year can contact OlsenDaines attorney Michael Fuller at michael@underdoglawyer.com for more […]
29
Dec
Bankruptcy and Student Loans
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Ahh, the American dream. You start with nothing, get an education, work your assets off, and end up rich and successful. But is that really how it goes? Everyone knows that it is absolutely critical that you get a good education in order to get ahead. The average price of a college education can […]
25
Dec
Many people believe that they will lose everything they own if they file for bankruptcy. Not true. In fact, most people who file for bankruptcy do not lose anything they own at all. How can that be? Well, the secret lies in… Exemptions. Most consumers file for Chapter 7 (or “liquidation”) bankruptcy. In a Chapter […]
22
Dec
Bankruptcy in the Context of Divorce
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Statistics show that 55% of all marriages end in divorce. And 39% of all divorced couples say that conflict over finances was the reason the marriage fell apart. Fights over money ruin relationships. That’s why we so often see divorce occurring when there is a bankruptcy. It’s because of this that it is critical to […]
20
Dec
Core Proceedings and the Bankruptcy Court
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Let’s say you’re having a really, really, bad week. You were injured in a car accident, the extension the contractor put on your house fell apart and now you’re suing him for breach of contract, your wife just found out about your (latest) girlfriend and has filed for divorce, and you can’t pay your creditors, […]
18
Dec
What the Automatic Stay Can and Cannot Do
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One of the immediate benefits of filing bankruptcy is the relief that the Bankruptcy Code’s “automatic stay” gives to a debtor. The automatic stay brings all collection efforts against the debtor to a screeching halt. It prevents creditors from collecting on their debts until discharge, the case is closed, or the stay is lifted. The […]
18
Dec
The decision to file bankruptcy is not an easy one to make. Many people experience enormous distress, shame and embarrassment over their financial difficulties. Without question, declaring Chapter 7 or Chapter 13 bankruptcy is no minor decision. But it just may be the right one for you. Especially if you cannot see any way of […]
16
Oct
Are All Debts Discharged in Chapter 7?
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You may have heard that you can extinguish all of your debt completely in one fell swoop if you file a Chapter 7 bankruptcy. In many cases, most of your debt can be discharged through a successful Chapter 7 filing, and all debts could potentially be discharged depending on the nature of the encumbrances. However, […]
10
Oct
Many people are in business for themselves, and being your own boss certainly has its advantages. Of course, there are certain responsibilities that go along with business ownership as well. The lay of the land can be a bit tricky when you are trying to determine whether you can be held personally responsible for debts […]
30
Jun
Is Credit Card Debt Settlement Possible?
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There are many different underlying reasons why people sometimes fall into unmanageable credit card debt: overspending, loss of income, unforeseen expenses. Before long, a person has exceeded their credit limit and the minimum payment is no longer just a drop in the bucket. Getting additional credit cards compounds the problem. In fairness, the credit card […]