debt

Medical Bills and Personal Bankruptcy

July 9, 2011

After suffering with a physical injury or sickness, you will probably find yourself gazing at thousands of dollars in medical costs. As unfortunate as it might be, many people filing for bankruptcy have accumulated piles of debt for health-related bills and are unable to keep up with bills on them and most of their other [...]

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Bankruptcy Legislation and Procedures For The State Of Oregon

July 1, 2011

There are several regulations involving bankruptcy court and if you’re considering filing for bankruptcy, it may be prudent to talk to a bankruptcy legal representative. There are many forms to put together and federal bankruptcy courts have precise procedures which must be followed for a bankruptcy filing to get accepted by the judge. Contrary to [...]

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Differences Between Chapter 7 and Chapter 13 Bankruptcy

June 24, 2011

Making the decision to file for individual bankruptcy is a challenging one and almost as challenging is asking what kind of bankruptcy you ought to file before visiting a bankruptcy lawyer. Usually, the sort of bankruptcy you apply for will be based on whether you’ve got a job or not and whether the job you [...]

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Utilizing Consumer Debt Relief To Help You Get Out Of Debt

May 19, 2011

Throughout tough economic times most people find themselves struggling with debt and don’t often want to file for bankruptcy. Hence, instead they search out aid through debt relief. There can be a couple of ways families can reorganize their debt so as to pay them down with terms that better compliment your budget. But, what [...]

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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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Digging Deeper into Debt

August 3, 2008

 July 20, 2008 New York Times By GRETCHEN MORGENSON The collection agencies call at least 20 times a day. For a little quiet, Diane McLeod stashes her phone in the dishwasher. But right up until she hit the wall financially, Ms. McLeod was a dream customer for lenders. She juggled not one but two mortgages, [...]

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Protection for the Non-Filing Spouse or Co-Debtor

June 26, 2008

When an individual files for bankruptcy they may have obtained a loan with a friend or family member. By doing this, they are on the loan together. In Bankruptcy, if the debtor is on a loan with another person who has not chosen to file bankruptcy; the non-filing person obtains the same benefits of the [...]

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When Can I File Again?

June 7, 2008

During these troubled economic times in both Oregon and Washington, we are seeing more and more people being forced into bankruptcy for the second or third time of their lives. Unfortunately, the new bankruptcy laws place some fairly severe limitations on a debtor’s ability to refile. The bankruptcy court will deny a discharge in a [...]

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The Bankruptcy Judge

June 7, 2008

The court official with the power to make final decisions in either an Oregon or Washington bankruptcy case is the United States bankruptcy judge, a judicial officer of the United States district court. The bankruptcy judge may decide any matter connected with a bankruptcy case, such as eligibility to file or whether a debtor should receive [...]

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Dealing with Collections Agencies in Oregon and Washington

May 4, 2008

In Oregon and Washington, if you stop making full payments on your bills, a creditor will likely turn your account over to a collection agency, a business that specializes in collecting unpaid bills. It is legal for a creditor to turn your bill over to a collection agency regardless of whether you’ve offered to make [...]

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