Chapter 13 Bankruptcy Tools for Your Home Mortgage

Chapter 13 Bankruptcy tools gives you options to help you manage your home mortgage. Chapter 13 involves a flexible payment plan that’s especially helpful with debts you can’t write off, or “discharge.” It can be much better if you own income taxes, child or spousal support, or student loans, for example. Chapter 13 can [...]


Foreclosure in Salem, Oregon

Foreclosure in Salem, Oregon is a process where your lender eliminates your ownership interest in your real property. The lender does this through a foreclosure sale that is held at a published place, (usually in front of the Marion County Courthouse) and time,. Once the foreclosure sale has taken place, you no longer own the [...]


Saving Your Home With a Chapter 13 Bankruptcy in Washington

Chapter 13 is famous for two things. Saving Your Home and Being Complicated. Saving Your Home With a Chapter 13 Bankruptcy can be a very tedious process and here are some of the situations below. In the short term, Chapter 13 can stop foreclosures and other creditor actions (much like a Chapter 7). However, unlike a [...]


How to Stop a Foreclosure on Your Home in Tacoma

Foreclosures have been on the rise since 2008. From 2007 to 2009 around 3 million homeowners were facing foreclosure. That number has tripled in size. This housing collapse combined with economic hardships and millions of homeowners being “upside down” or “underwater” in their homes has led to a housing crisis in the United States. Stop a [...]


Wells Fargo to Pay for Wrongs to Homeowners in Bankruptcy

Good news for current and former Oregon and Washington Chapter 13 Bankruptcy filers who saw their mortgage payments rise with little or no notice during the pendency of their Chapter 13 Bankruptcy cases. The U.S. Trustee Program has now entered into a national settlement agreement with Wells Fargo Bank which will require the lender to [...]


To Modify a Mortgage, File Chapter 13 Bankruptcy or Both in Oregon

You never want to put all your eggs in one basket, but for many Oregonians  behind on their mortgages, it sometimes feels like they don’t have any choice.  Do they  put all my effort into modifying their mortgages, or do they  file Chapter 13 bankruptcy to stop the lender from either initiating or completing the [...]


Change in Oregon Mediation Law Aids Consumers in Foreclosure

A recent revision to Oregon's mediation requirements has set off an avalanche of requests for face-to-face meetings between lenders and borrowers with delinquent mortgages. This recent amendment to the Oregon Legislature's Foreclosure Avoidance Mediation Program requires all lenders to meet with distressed homeowners before foreclosing on delinquent mortgages. This change has recently resulted in 500 new [...]


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The Benefits of Bankruptcy
You always hear scary things about filing bankruptcy, but the truth is, most people with debt problems benefit from it. This book dispells the myths and tells you how bankruptcy can put you back on the road to financial success.
Written by Tom McAvity, Esq., bankruptcy lawyer


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