Mortgage and Debt Forgiveness in Oregon and the IRS

If you lost your Oregon home in a foreclosure or gave it up in a short sale prior to 2014, there were no tax repercussions to the forgiveness of debt. Unfortunately, the exception in the tax laws that made this so has now expired. If you lost your principal residence in a foreclosure or gave 

Read More

Who’s Going to Find Out About My Oregon Bankruptcy Filing?

Many prospective bankruptcy filers in Oregon are understandably concerned about the privacy of their filing. At least once or twice a year someone chooses to come in for a consultation with our firm because we have offices in four different cities. I guess the thought is I can meet these guys in Portland where I 

Read More

Joint Bankruptcy Filing in Oregon

Do I file jointly with my spouse or can I just file alone? Every prospective bankruptcy filer in the state of Oregon asks this question. Many Portland and Salem filers just don’t want their spouses involved, particularly if the would be filer just isn’t comfortable with the potential impact it could have on their spouse. 

Read More

Oregon Divorce and Bankruptcy

If you are on cusp of filing for divorce in Oregon and need to figure out what to do about all the debt, meeting with an experienced Portland or Salem Bankruptcy Attorney is likely a great first step. If there aren’t any potential conflicts between you and your spouse (no secured debts, no potential child 

Read More

What is a Challenge to Garnishment in Oregon and How Do I File It?

In Oregon, if a judgement has been entered against you and you have not filed  bankruptcy, the judgement creditor can garnish your bank account. Once your bank account is garnished, you will receive a challenge to garnishment form which is sometimes also referred to as a Claim of Exemption. Once you receive it,  you will 

Read More

Same Sex Married Couples May Now File Joint Bankruptcy Petitions in Oregon

Attorney General, Eric Holder, has just announced that the U.S. government will now recognize same-sex marriages as equal to traditional marriages in all federal legal matters. Couples legally married in states like Washington where same-sex marriage is permitted will now be able to file bankruptcy cases in Oregon jointly despite the fact that Oregon does 

Read More

Can an Oregon bank really take my social security or SSI Checks After I Deposit Them?!

The unfortunate answer to this question is yes they can. Oregon case law permits bank’s the right of set off which enables them to take money out of your account to pay back any money you owe to them as long as you have signed an agreement giving them that right. If you signed such 

Read More

Protecting Social Security and SSI In and Outside an Oregon Chapter 13 Bankruptcy

Low income debtors, particularly seniors and the disabled, across the state of Oregon are often concerned about a collectors’ ability to garnish of levy their social security or SSI benefits. Thankfully, the answer is almost alays a resounding; however, as with all things, there are exceptions to this rule. These exceptions are as follows: Up 

Read More

To Modify a Mortgage, File Chapter 13 Bankruptcy or Both in Oregon

You never want to put all your eggs in one basket, but for many Oregonians  behind on their mortgages, it sometimes feels like they don’t have any choice.  Do they  put all my effort into modifying their mortgages, or do they  file Chapter 13 bankruptcy to stop the lender from either initiating or completing the 

Read More

Seattle Bankruptcy Attorney Website

Our firm is launching a Seattle Bankruptcy website as the first in a series of city specific bankruptcy law websites. The idea is that people living in Seattle, Washington probably don’t want to wade through articles about Portland bankruptcy hearings and trustees and vice versa. The first of these sites is going to be geared 

Read More