What if I Miss the Portland Chapter 13 Creditors Meeting?

April 30, 2009

If you miss the Chapter 13 Creditors Meeting in Portland, you should immediately contact your Bankruptcy attorney. Depending on the circumstances, your Bankruptcy Attorney may be able to file a Motion to Adjourn the Creditors Meeting in order to reschedule the meeting. If the motion is denied, you can refile your bankruptcy case.

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Listing All Your Creditors in Vancouver Chapter 13 Petition

April 29, 2009

You must list all of your debts and property in your Chapter 13 bankruptcy petition. The petition you sign, under penalty of perjury, says that you have listed all your property and debts.  If you do forgot to list some of your property it could cause big problems for you if you don’t amend your [...]

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When Do I Stop Paying the Portland Chapter 13 Bankruptcy Trustee?

April 29, 2009

You or, more likely, your employer should keep making payments until the Portland Chapter 13 Trustee specifically requests that the payments cease. The Trustee will inform your employer directly when the payroll deductions are no longer required and should cease. Depending on whether your income places you below or above Oregon’s median income level, you [...]

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Where is the Portland Chapter 13 Creditors Meeting Held?

April 28, 2009

The Chapter 13 Meeting of the Creditors is held at the Wells Fargo Tower at the Chapter 13 Trustee’s Office, 1300 S.W. Fifth Avenue, Suite 1700, Portland, Oregon 97201. Finding parking on the Street for your hearing may be difficult. Paid Parking is of course plentiful and can even be found under the building for [...]

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Do Not Miss any Payments to the Portland Chapter 13 Bankruptcy Trustee

April 27, 2009

You must not miss any payments to the Portland Chapter 13 Trustee unless it is permitted by the bankruptcy judge. When you file your Chapter 13, your creditors are prohibited from taking any action against you. In exchange for that protection, you must complete all your obligations under the plan. Your principal obligation is making [...]

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Listing Creditors in Your Chapter 13 Bankruptcy Petition

April 25, 2009

You are required by law to list all of your debts and possessions in your bankruptcy papers. The petition you signed, under penalty of perjury, says that you have done so. Contrary to popular belief, you can’t pick and choose who gets listed.  If you forgot to list some of your property it could cause [...]

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The Goal: Chapter 13 Bankruptcy Discharge

April 24, 2009

A discharge is your biggest goal. The discharge order is a document prepared by the Oregon Bankruptcy Court and signed by your judge. It means you have completed the requirements under your plan. Most, if not all, of the creditors you listed may never again contact you about those debts. If you have some non-dischargeable [...]

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The Disposable Income Requirement In Chapter 13

April 24, 2009

The Bankruptcy Code requires that you to send all your disposable income to the Chapter 13 Trustee for at least three years and in some cases for up to five years. Your disposable income is the amount left over after you subtract your reasonable and necessary living expenses from your net income. This amount is [...]

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Portland Chapter 13 Bankruptcy Trustee Requires Copies of Tax Returns.

April 24, 2009

In Oregon, the Judge’s Order approving your Chapter 13 plan states that you must submit signed and dated copies of both your federal and state tax returns  to the Trustee every year during your plan whether you get a refund or not. Send your tax returns and any other documents other than your plan payments [...]

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Taking on Credit During Chapter 13

April 23, 2009

In Oregon, the Confirmation Order approving your plan, states that you may not incur any credit obligations during the life of your plan without the Trustee’s written consent. The exceptions to this rule are limited to (1) in an emergency, or (2) for ordinary expenses for a business approved in your plan. Any request for [...]

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