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Chapter 13 Bankruptcy Hardship Discharge in Oregon

Often Oregon debtors in a Chapter 13 bankruptcy will hit a rough spot during their case and  request a hardship discharge rather than seek conversion to Chapter 7.  Conversion and hardship discharge are not one in the same. There are specific requirements that must be met before you can even be considered for a hardship [...]

2014-12-17T02:19:59+00:00

Bankruptcy and Credit Score

Oregon bankruptcy filers with bottom of the barrel credit scores might find that the quickest and easiest way to increase their credit scores in the wake of a bankruptcy filing is to become an authorized user on a family member’s credit card. As an authorized user, you get the benefits of someone else’s credit but [...]

2014-10-12T16:16:37+00:00

Values for Property in Oregon Bankruptcy

In bankruptcy, Oregon and Washington debtors are required to list all their assets and give a corresponding estimated value of his or her property. This is an easy task when the asset has an easily fixed cash value, like a stock, owed wages, or cash money. Household and personal items, vehicles, and even real estate [...]

2014-09-05T15:25:22+00:00

Rebuilding Credit Score After Bankruptcy Discharge

Our Oregon and Washington bankruptcy clients are often extremely concerned with repairing their credit scores after obtaining their bankruptcy discharges. It is important to note that your credit score is likely to recover exponentially in the two years after your discharge in bankruptcy. This is particularly so, if you manage to stay employed(not always a [...]

2013-08-19T16:23:28+00:00

Keeping Jewelry in Bankruptcy in Oregon under Federal Exemptions

  Until recently Oregon single bankruptcy filers with more than $800 worth of jewelry were at risk of losing anything in excess of $800 to the Chapter 7 Trustee. Though this amount was doubled for married filers, the exemptions did not provide much in the way of protection for families holding bracelets or necklaces handed [...]

2013-07-30T00:03:50+00:00

Credit Reports Now Reflecting Debts Discharged in Bankruptcy More Accurately.

In recent years, as credit ratings and credit report information have become so important to everyone, cleaning up the credit report has become one of the most cited motives for filing bankruptcy. Unfortunately credit reporting agencies have often moved at a snails pace when it came to correctly reflecting debts as discharged in bankruptcy rather [...]

2013-05-04T22:11:48+00:00

United States Trustee Ends Random Audits For Oregon and Washington Chapter 7 Bankruptcy Cases

Due to severe budgetary constraints, the United States Trustee is no longer designating bankruptcy cases for random audits. Bankruptcy attorneys across both Oregon and Washington who had to cope with the burdensome audit requirements aslong with their clients are now breathing a heavy sigh of relief Ever since the enactment of the Bankruptcy Abuse Prevention [...]

2013-04-25T01:31:03+00:00

Keeping the Hummer in Chapter 13 Bankruptcy

Until very recently Chapter 13 bankruptcy trustees in both Oregon and Washington would often object to Chapter 13 plans containing proposals to pay off "luxury items," such as RVs, boats, high end motorcycles and the like in full while paying little or nothing to unsecured creditors. Trustees would describe such such plans as being made [...]

2013-04-18T03:07:20+00:00
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