Finding Your Creditors Prior to Filing Bankruptcy

February 5, 2010

Debtors across both Oregon and Washington often wonder how they will possibly discover all their creditors prior to filing bankruptcy. Luckily, Under the Fair and Accurate Credit Transactions Act,  you are entitled to a free copy of your credit report each year. While it is possible to access your credit report online, many  credit reporting [...]

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Getting Ready to File Bankruptcy

February 4, 2010

Steps to Take Before Filing A Bankruptcy In Oregon or Washington Do your best to limit the the amount of purchase activity in the ninety days prior to the actual filing of your case. Stop using all of your credit cards today. If you have made big purchases, executed balance transfers or taken cash advances [...]

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Payday Loans Cause Bankruptcy?

February 2, 2010

Payday loans are hazerdous to your financial health: People who take out payday loans are nearly eight times more likely to file bankruptcy than those who don’t.  Yet each year eleven million American families take out payday loans often at a 500% yearly interest rate. Not suprisingly a clear correlation between payday loans and bankruptcy [...]

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Bank Accounts and Your Bankruptcy

February 1, 2010

Clients often worry about whether they will be able to open or even keep bank accounts while their bankruptcy is pending, or even after their bankruptcy is closed.  In both Washington and Oregon, there are no bankruptcy laws that would prevent you from opening or keeping a bank account.  There may, however, be some issues [...]

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Creditors Showing Up at My Hearing?

January 31, 2010

In both Oregon and Washington, clients are always at least a little bit nervous regarding the one hearing that they have to attend while their bankruptcy case is pending. That hearing, commonly known as the 341 hearing or meeting of the creditors, generally takes place a month after the case is filed. Often clients lose [...]

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Getting Rid of Credit Card Debt in Bankruptcy

September 27, 2009

In both Oregon and Washington, credit card debt is just about the easiest form of debt to discharge in bankruptcy. Occasionally though a credit card lender will file an action against the debtor in the bankruptcy court in order to dispute the discharge of credit card balance. The creditor may assert that some part or [...]

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Salem, Oregon Chapter 13 Bankruptcy Creditors Meeting

August 29, 2009

People are often anxious about their upcoming Salem, Oregon Chapter 13 Creditors Meeting. The real underlying cause of this nervousness stems from not knowing what to expect. You will want to verify the address of where the hearing is held and understand directions before your hearing date. If you live in the Salem, Oregon metro [...]

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Who is the Chapter 13 Bankruptcy Trustee for the Salem, Oregon Metro Area?

August 22, 2009

 Fred Long is the Chapter 13 Trustee for all cases filed in the Salem, Oregon metro area. He is also the Chapter 13 Trustee for most cases filed in Southern Oregon including all cases filed in Marion, Linn, Polk and Lane Counties. Correspondence to his offices can be directed to Fred Long, Chapter 13 Trustee, [...]

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HOA Fees and Bankruptcy

August 17, 2009

In both Oregon and Washington, a bankruptcy filing discharges any homeowner’s fees that accrued before the bankruptcy case is filed. The discharge does not release the homeowner for fees for months after the case is filed, for so long as the debtor owns or occupies the condo. Because the homeowner is liable for post-file fees, [...]

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Emergencies During Your Chapter 13 Bankruptcy

July 1, 2009

What happens when you cannot make your Chapter 13 Bankruptcy payments to the Portland or Vancouver Trustee due to one time only expense or unanticipated bill?  What do you do when, say, a car breaks down, your heating goes out, or when you or your spouse miss work due to a temporary illness or injury? [...]

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