I completed a Chapter 13 and Need to File Again

May 1, 2011

If you completed your plan and obtained a discharge in a prior Chapter 13 case, you have to wait two years before you can file another Chapter 13 case or you will not get a discharge in your new case. This is not to say that you cannot file a Chapter 13 Plan prior to [...]

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Debt Relief Hints and Tips

April 26, 2011

It can be extremely hard to get out of financial debt if you’re in deep. It happens to more and more people than they would like to admit. As credit becomes available, they use it without looking to the future, and before they know it their monthly payments exceed their monthly income. A lot of [...]

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Identification Requirements for Bankruptcy Meeting of the Creditors

April 24, 2011

In both Oregon and Washington Bankruptcies, you must attend a Meeting of the Creditors, also known as a 341 Hearing, and at that meeting, among other things, you must provide both proof of Identification and your Social Security Number. Bankruptcy debtors must provide an acceptable form of picture identification (“ID”) and proof of social security [...]

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New Bankruptcy Deadline for Completion of Financial Management Course

April 22, 2011

The Federal Rules of Bankruptcy Procedure were recently changed to increase the time for filing a financial management course certificate. Previously the filing of the certificate was required within 45 days of the first 341 meeting. This deadline has now been extended t0 60 days. Under the new rule, a notice must be sent to [...]

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Repairing Your Credit after an Oregon Bankruptcy

April 15, 2011

While bankruptcy is a good idea for many people, it’s vital to know the advantages and disadvantages before you declare bankruptcy. Oregon bankruptcy attorneys will help you by explaining what exactly steps to take, what requirements are for filing and if you qualify for Chapter 7 or Chapter 13. Typically the most popular is Chapter [...]

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Can I Still Get a Modification if I File Bankruptcy During the HAMP Trial Period?

April 10, 2011

Once you are in the HAMP trial period, you may not be denied a HAMP modification on the basis of a subsequent bankruptcy filing. Your mortgage servicer is obligated to work with you to obtain any Bankruptcy Court or Bankruptcy Trustee required approvals for modification.

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What Goes On After Declaring Bankruptcy

April 8, 2011

Every time a person files for bankruptcy the outcomes on their financial status is very apparent but possibly the hardest effects are linked to their ego. Not many people will charge on a credit card or acquire loans with the goal of not paying them back. Usually something happens in their life, like unexpected medical [...]

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Federal Government Shutdown and Bankruptcy Courts

April 3, 2011

If congressional budget negotiations ever lead to a government shutdown, the U.S. bankruptcy courts may keep the federal judiciary running. According to Eric Morath, a writer for the the Daily Bankruptcy Review, federal court officials are preparing contingency plans that fund the courts by means of collected fees rather than appropriations. Morath notes that Bankruptcy [...]

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Hamp Eligibility and Bankruptcy

March 31, 2011

If you have a monthly mortgage payment that is greater than 31 percent of your household gross income–whose isn’t these days?–then you may qualify for a HAMP modification even while you are in bankruptcy. In order to qualify the following elements must be present: 1. Your mortgage must have been obtained on or before January [...]

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New Bankruptcy Attorney at Northwest Debt Relief Law Firm

March 27, 2011

We are pleased to announce that we will be adding another attorney to our Oregon and Washington Bankruptcy Practice Group. Mark Ditton, a University of Oregon graduate and ten year member of the Oregon State Bar will be coming on board as a full time associate. Mark has both substantial bankruptcy and litigation experience and [...]

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