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New Chapter 13 Debt Limits

February 22, 2010

Currently the maximum debt limits for Chapter 13 are  $1,010,650 in  secured debt, and $336,900 in unsecured debt.  On April 1, 2010, those debt limits will likely increase to $1,081,500 for secured debt, and $360,525 in secured debt.  While these increases are not exactly exponential,  these days every little bit helps.

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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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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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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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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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Can An Employer Fire Me for Filing Bankruptcy?

December 23, 2008

The law provides express prohibitions against discriminatory treatment of debtors by bothgovernmental units and private employers. A governmental unit or private employer maynot discriminate against a person solely because the person was a debtor, was insolvent before or during the case, or has not paid a debt that was discharged in the case. The law prohibits the following forms of governmental discrimination: [...]

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