All items from Oregon Bankruptcy Lawyer

I am pleased to report that attorney Mark Ditton who has long managed many of our bankruptcy cases in Portland and Salem, Oregon will be moving to Seattle this week to expand our Seattle Bankruptcy Law Office. Mark will now supervise all of our Washington cases including Chapter 13 matters in Vancouver and Tacoma. Our 
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The original post is titled Expanded Bankruptcy Law Office Hours , and it came from Portland Bankruptcy Attorney | Northwest Debt Relief .

Posted 1 day 12 hours ago

The Bankruptcy Code protects Oregon debtors from utilities disconnecting water, home phone, electricity or gas services. Utility services such as cable television, cell phone services or internet are not considered utilities for this bankruptcy protection because they.
A Portland or Salem utility company simply is not allowed alter, refuse, or discontinue service to an existing customer solely because either (1) the customer filed for bankruptcy protection; or (2) the customer failed to pay a pre-petition debt to the utility.
The protection is, however, limited and within 20 days after the bankruptcy filing, an Oregon debtor may have to give the utility company ” an adequate assurance of future payment,” which usually means ponying up a newsecurity deposit.
The law allows the utility to retain your prior security deposit and apply that deposit to your prior bill. If the debtor does not provide “adequate assurance of future payment” within the 20 day time period, the utility provider may discontinue services.
The takeaway here is that if you are filing bankruptcy and you have a back balance on your current utility account, you can eliminate the balances and not lose services, provided that you do a little foot work after your case is filed.

Posted 1 week 1 day ago

In bankruptcy, Oregon and Washington debtors are required to list all their assets and give a corresponding estimated value of his or her property. This is an easy task when the asset has an easily fixed cash value, like a stock, owed wages, or cash money. Household and personal items, vehicles, and even real estate are often more challenging.
Most Oregon bankruptcy lawyers advise their clients to value household and personal items at garage sale or Craig’s List prices. The reason for this is that if the asset were sold through the bankruptcy process, it would be sold at a liquidation price, usually at auction. A Garage sale more or less approximates this value. The idea is what would the property sell for if it were dumped on the open market without any attempt to market it to a particular buyer.
Most people overestimate the value of their household goods. For instance, many used household items really have little or no resale value. Ever try to sell clothes or furniture? I couldn’t get Goodwill to take a desk from me for free! Your computer main mean the world to you, but the resale value for them after they are a year old is pretty much dimes on the dollar. If you are unsure of how to value an item, the internet is a terrific resource. Sites like Ebay and Craigslist can give good examples of what your property is worth to the general public.

Posted 1 week 2 days ago

Most bankruptcy law firms in Oregon and Washington have their clients fill out some kind of questionnaire as part of the bankruptcy filing process. Our firm is no exception, though we are one of the few that offers its clients the ability to fill out their questionnaires online. The fact is that it is an almost unavoidable part of the process. We aren’t detectives and only you can tell us what your personal property. Many bankruptcy clients forget that they are required to list personal property that they are paying on.
Often bankruptcy clients will believe that they didn’t need to list the car or the tire loan because they are making payments and don’t really own the collateral yet.  But you do have an interest and the bankruptcy trustee still needs to be referenced. Other clients don’t list the car or the house because they don’t want to include the car loan in their bankruptcy. You still have to list it and doing so doesn’t mean that you are going to lose the house, or the car or the tires, it. Listing the property just means that the lender gets the notice that it is entitled to receive.
Given the expansiveness of the Oregon and Washington exemptions, it is  a rare day that a client loses anything in bankruptcy. Generally you will have multiple options for dealing with a secured loan in bankruptcy, but you won’t have any options if you don’t let your bankruptcy attorney know about the car with the loan that you want to keep out of bankruptcy.

Posted 1 week 3 days ago

Recently I noted on our Oregon bankruptcy blog that our firm has expanded our debt law practice areas  to include student loan law. As part of that process, I have just completed a thirty page guide on student loan law for Oregon and Washington debtors. I am obviously happy to send on a free copy of this guide to any of our prior, current or prospective bankruptcy clients. Please feel free to email me directly at if you would like me to send one to you.
The original post is titled New Guide to Student Loan Law for Bankruptcy Clients , and it came from Portland Bankruptcy Attorney | Northwest Debt Relief .

Posted 1 week 4 days ago

We recently launched a website for our Oregon and Washington Student Loan Law Practice. We are thrilled to be helping student loan borrowers in our community lessen their student loan burdens. As one of very few graduates in the Pacific Northwest of Joshua Cohen’s Student Loan Seminar and as a long time member of the National Association of Consumer Advocates, I am eager, willing and able to help consumers across both Oregon and Washington obtain better student loan terms. Our Student Loan Law site can be found at Oregon and Washington Student Loan Attorneys 
The original post is titled New Oregon and Washington Student Loan Law Site , and it came from Portland Bankruptcy Attorney | Northwest Debt Relief .

Posted 8 weeks 1 day ago

Here’s what you need to know
Who must attend?
The Trustee, you, and one of our attorneys. The Trustee is the person who runs the hearing and asks you questions.
Who gets invited?
All the creditors listed in your bankruptcy schedules get a notice in the mail. Many times none of the creditors show up. Some may show up to get basic information from you. Ultimately, while creditors may ask questions at the hearing, they rarely show up and the ones that do show up usually keep quiet.
Where is the meeting held:
This depends on where your case was filed. You should receive a piece of paper stating the exact location. They are rarely held in a courtroom. Many districts have specific 341 hearing rooms.
What should you brings:
Photo Id, Social Security Card, your car insurance information (occasionally a creditor may want proof you have it), and a copy of your last filed tax returns (these may have already been provided to your Trustee). You may want to bring copies of any documents requested by our office for the trustee.

Posted 10 weeks 6 days ago

Whether Your Bankruptcy was filed in Portland or Eugene, there is no need to be nervous about your 341 hearing. In our next blog article, we will discuss exactly what you need to bring to the hearing and the kind of questions that you are likely to encounter.
The video below at the following link will give you a good feel for the format of the meeting of the creditors in your bankruptcy and the kind of questions that your bankruptcy trustee might ask: Remember to bring your photo identification and proof of your social security number.
The original post is titled , and it came from Portland Bankruptcy Attorney | Northwest Debt Relief .

Posted 12 weeks 1 day ago

Our law firm will soon be expanding the scope of our practice  to include representing Oregon  and Washington debtors with respect to their student loan issues. Since most consumers in the pacific northwest have never even heard of student loan law, I thought I would take this opportunity to describe many of the services that we will be offering to Oregon and Washington consumers.
For Recent Graduates as well as Borrowers in Good Standing

  • We will provide a detailed analysis of your student loan portfolio in order to determine your best options with respect to consolidation, income-sensitive repayment, loan forgiveness or cancellation
  • We will help Oregon and Washington consumers complete the forms and applications for repayment plan selections and consolidations
  • We will help resolve bureaucratic problems related to federal loans.

For Borrowers Falling Behind on Payments

  • We will provide a detailed analysis of your student loan portfolio in order to help you pick the best options for reducing your monthly payments under federal law
  • We will help you find the best repayment management and loan prioritization options
  • We will help you complete the required paperwork for deferment, consolidation and forbearance arrangements.
  • We will directly represent you in communications with both lenders or servicers

For Borrowers in Default or Collections

Posted 15 weeks 5 days ago

Using credit after bankruptcy is the best way to rebuild credit after bankruptcy. If you do want to join the financial mainstream, opening up lines of credit after bankruptcy discharge and paying them off every month in full is probably the best way to have a great credit score in as little as eighteen months after filing.
Phillip Tirone, the expert who advises most of our clients regarding credit matters after filing, advises them to not be concerned so much about the fact that they have filed bankruptcy. There is no legal way to have it removed from your credit score (just as there is no legal way for your debts to legally return). The good news is that it ultimately doesn’t matter because the credit scoring bureaus are far more concerned with your recent behavior that your past behavior.
The idea then, is to persuade the bureaus to pay more attention to your recent laudable credit behavior than to your pre-bankruptcy behavior. To that end, Tirone advises out clients to open three new credit cards after discharge and one installment loan.
With respect to the credit cards, keep them active by using them only every other month, make only small charges, maybe ten percent of your limit, and pay them off in full every month.

Posted 15 weeks 6 days ago