My Income Has Gone Up in My Oregon Chapter 13 Bankruptcy

The confirmation order entered in every Oregon Chapter 13 Bankruptcy requires you to report to the Trustee if your actual or projected gross income increases by ten percent. The income figures included in Schedule I of your Bankruptcy Schedules filed with the Oregon Bankruptcy Court before confirmation serves as the baseline for determining whether there 

Read More

Oregon Bankruptcy Access

According to a new study, the 2005 revisions to the bankruptcy code may be keeping financially struggling Oregonians out of bankruptcy court, but it hasn’t helped them with their financial suffering. The Bankruptcy Abuse Prevention and Consumer Protection Act which was largely created to make bankruptcy less accessible may have obliterated access to a fresh 

Read More

Cash for Keys: Getting More Value Out of Home Surrender in Oregon Bankruptcy

Once you opt to surrender you home in your Oregon Bankruptcy, you will probably want to stay in the house for as long as you can. All too often we have seen Oregon Bankruptcy clients move out of homes in bankruptcy, thinking the foreclosure would soon follow. But lenders often change course. The rapid foreclosure 

Read More

Vancouver Bankruptcy Filers Get Real Time Notice from Court

Vancouver bankruptcy filers will be happy to hear that the U.S. Bankruptcy Court for the Western District of Washington is now offering debtors the ability to receive court notices and orders via email through a program called “Debtor Electronic Bankruptcy Noticing” or “DeBN.” Registering for DeBN is free and enables debtors to receive and view 

Read More

Student Loan Debt Collectors Denied

Good riddance to several debt collectors that seemed hellbent on sending all Oregon student loan debtors into bankruptcy. Pioneer Credit Recovery, Enterprise Recovery Systems, National Recoveries, and Coast Professional had all sued earlier this year once the Education Department said it would no longer send them any more accounts under their current contracts. A federal judge 

Read More

Student Loan Bankruptcy Relief Coming to Oregon?!

President Obama signed an executive action on Tuesday that would make it easier for Oregon bankruptcy filers to discharge certain kinds of student loans. As any would be Oregon bankruptcy filer knows, student loan debt is extremely difficult to eliminate now. The most common path to discharge now requires a showing of undue hardship which 

Read More

The Bankruptcy Means Test and VA Disability

I am officially annoyed this afternoon. Trying to run my client’s household income numbers through the Means Test and seeing him fail due to the cumulative amount of both his household income and military disability. I am annoyed because if he were receiving plain old social security disability, he would pass the means test with 

Read More

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 

Read More

Peter McKittrick Appointed Judge of U.S. Bankruptcy Court in Oregon

The United States Court of Appeals for the Ninth Circuit has appointed of Portland attorney Peter C. McKittrick as a U.S. Bankruptcy Judge for the District of Oregon. Mr. McKittrick will fill a vacancy left in the wake the retirement of Bankruptcy Judge Elizabeth L. Perris. Mr. McKittrick is currently a partner with the Portland law firm of McKittrick 

Read More

Chapter 13 Bankruptcy Hardship Discharge in Oregon

Often Oregon debtors in a Chapter 13 bankruptcy will hit a rough spot during their case and  request a hardship discharge rather than seek conversion to Chapter 7.  Conversion and hardship discharge are not one in the same. There are specific requirements that must be met before you can even be considered for a hardship 

Read More