Household Size on Bankruptcy Means Test

The quickest and easiest way to understand why you care about “household size” is to think about the Means Test as a budget.  With the Means Test, the larger the “household size” the greater the amount of money you can set aside for living expenses.  The more you get for living expenses, the less you [...]


Pay Day Loans and Bankruptcy

A Payday Loan is a small loan that at least in theory, is paid off by the borrower’s next payday. The mechanics of the loan process are as follows: You go to the Payday Lender and give the lender some proof of employment, maybe a copy of your most recent pay stub, and then write a [...]


Google and Facebook Will Not Run Ads for Pay Day Loan Lenders

Google recently announced that it has stopped taking paid ads for payday loans. Facebook stopped taking payday loans about a year ago. This is a pretty significant development.  While you can still find payday loans online through organic searches, there will no longer be any "above the fold" (the ads that show on the top [...]


Attorney Tom McAvity – July 2016 Interview

Katherine: Hello, everyone. Tom McAvity, I'm messing it up. Last time I did so fine. Tom: That's it. No, you nailed it. You nailed it. Katherine: Say it again. You say it and then I'm going to say it right after you. Tom: McAvity. Katherine: McAvity. Oh, I did. Tom: Yeah, you did. [...]


Attorney Tom McAvity – June 2016 Interview

Katherine: Attorney McAvity? You're going to help me with your name. We're going to practice this again. Attorney McAvity. Tom: I'll try. I'll try. Katherine: Is here today to answer questions about bankruptcy. He's given me a little grace on his last name here. He's going to spend some of the next several [...]


New Bankruptcy Forms Under Attack

As I noted in an earlier post, the paperwork the forms that Oregon and Washington debtors have used to file bankruptcy since the 1980s will be replaced by a new longer set of forms on December 1, 2015. Many critics have noted that the new form, at least at first blush, appear to be more [...]


Bankruptcy Phone Scammers!

A sophisticated phone scam has been used to target bankruptcy filers in several states. The scammers are  using personal information from filings and posing as attorneys to get intended victims to wire funds to satisfy their debts. If someone calls you, as your bankruptcy attorneys, asking you for an immediate wire transfer to satisfy one of [...]


Foreclosure Mediation Program for Oregon Debtors

An Oregon foreclosure mediation program has undeniably helped many debtors find a way to stay in their homes. The program provides Oregonians with a chance to meet with lenders in order to find ways avoid a foreclosure. The latest data from the Oregon Department of Justice show that since the program's inception, more than 1,700 Oregonians have used it [...]


Good News for Oregon Student Loan Debtors

Oregon student loan debtors breathed a sigh of relief this week when the Department of Education announced that it was finally firing five debt collection agencies that had been giving inaccurate information to student borrowers. I say finally firing these agencies because the department had been under fire for years for its partnership with these [...]