FDCPA, Bankruptcy and the Oregon Consumer

Many of the Oregonians who come to us to file bankruptcy have been harassed by debt collectors for year. A significant portion of them are unaware that not only is there a mechanism for stopping many of those debt collectors in their tracks, but there is also a chance for a significant recovery for their [...]


What to Do with Taxes that Bankruptcy won’t Discharge without Repayment?

Some taxes don’t qualify for bankruptcy discharge. Most often this is because they were due less than three years ago or were filed less than two years ago. Many of our potential bankruptcy clients worry about a big tax bill after bankruptcy, particularly clients with large balances owing to the Oregon Department of Revenue.  Certainly [...]



I am happy to report that on October 6, 2017, Oregonians who are victimized by debt collectors with mystery lawsuits achieved a substantial victory. House Bill 2356 which was signed into law this summer became effective. This new law enacts requirements on debt collectors who sue debtors in Oregon County courts.  Specifically the law calls [...]


Can I File Bankruptcy While I’m in the Military?

Many people serve in the military to give us great freedom here in the United States. Serving in the military is more than a full-time job. A service member could be deployed for months at a time. Just because you are deployed doesn’t mean that your bills stop, and they can be a lot to [...]


Job Loss and Bankruptcy

If you feel like you’re able to keep up with your bills, but honestly live paycheck to paycheck, you aren’t alone. Many people find it difficult or impossible to make any progress toward growing an emergency fund, so when something unexpected comes up, be it a job loss or hospital bill, they’re forced to use [...]


Filing Bankruptcy While Unemployed

Losing your job can be a scary experience. You may worry how long it will take you to find something else, and if the unemployment goes on long enough, you may see your debt grow or start missing bill payments. If things have already been tight financially, unemployment may push you toward filing bankruptcy. Job [...]


Rebuilding Your Credit: Billing Disputes

Once your bankruptcy is resolved, the work of rebuilding your credit begins.  You’ll want to ensure your credit report is accurate, and if not, contact the credit reporting agencies to make corrections. It’s also important to keep an eye on your bills and credit card statements to ensure accuracy. Sometimes a company may bill you [...]


Dealing With Credit Card Fraud

Once you have made the decision to file bankruptcy, there are many forms that will need to be completed, and you will need to include all your creditors in your paperwork. Requesting a credit report from one of the three main agencies (Trans Union, Equifax, and Experian) is a good way to ensure that you [...]


Resolving Identity Theft

As you work to re-establish your credit after filing bankruptcy, it’s important to keep a close eye on all your accounts, as well as your credit report. Some people are dismayed to discover that they’ve been a victim of identity theft or identity fraud, especially after working so hard to get their finances in order. [...]


Buying a Car After Bankruptcy

Filing bankruptcy can be stressful, especially if you worry about losing your car in the process. We’ll take advantage of the many available exemptions to protect your property, and what happens to your car will depend on whether you’re filing a Chapter 7  or a Chapter 13. Most people are able to keep their vehicle [...]