{"id":4846,"date":"2021-05-11T13:35:29","date_gmt":"2021-05-11T13:35:29","guid":{"rendered":"https:\/\/nwdrlf.com\/?page_id=4846"},"modified":"2021-05-11T13:37:28","modified_gmt":"2021-05-11T13:37:28","slug":"emergency-bankruptcy-attorney-portland-or","status":"publish","type":"page","link":"https:\/\/nwdrlf.com\/what-is-bankruptcy\/emergency-bankruptcy-attorney-portland-or\/","title":{"rendered":"Emergency Bankruptcy Attorney in Portland OR"},"content":{"rendered":"

Filing an Emergency Bankruptcy in Oregon<\/h2>\n

If you wish to file a bankruptcy petition in Washington or Oregon, there are a number of forms that you are required to file with the bankruptcy court. Assembling all of the information and filling out the forms can take a great deal of time. If you are facing an emergency, such as a wage garnishment or home foreclosure, you can file just a few of those forms to get the case started– this is often called to as an emergency bankruptcy filing.<\/p>\n

Why File an Emergency Bankruptcy?<\/h3>\n

When you file for bankruptcy, the automatic stay kicks in. The automatic stay prohibits most creditors from continuing collection actions against you. If you are behind on your car payments or mortgage payments and you file for bankruptcy, the car loan lender won’t be able to repossess your vehicle and your mortgage company will not be able to foreclose, at least temporarily. There are limits and exceptions to the automatic stay. You should contact one of our experienced Vancouver WA emergency bankruptcy attorneys<\/strong>. Our Vancouver WA emergency bankruptcy lawyer<\/strong> will take the time to listen to your concerns and discuss the possibility of filing an emergency bankruptcy for you.<\/p>\n

The automatic stay kicks in right away when you file the minimum forms required in an emergency bankruptcy. That way, your property is protected and you have more time to complete and file the rest of the forms.<\/p>\n

Before You File the Emergency Bankruptcy<\/h3>\n

The bankruptcy law requires you to take a court-approved credit counseling class unless you are disabled, physically impaired to the extent that you can not take a class or in an active combat zone. This class is generally available online and in most cases over the telephone or in person. After you take the class and pass a short quiz, you will receive a certificate of credit counseling that must be dated at least a day before the date of your bankruptcy filing.<\/p>\n

You should also look at the means test guidelines to see if you are likely to qualify for Chapter 7 bankruptcy<\/a>. You can find more information about the means test on our website.<\/p>\n

Forms Required for an Emergency Chapter 7 Bankruptcy Filing<\/h3>\n

In order to start your case and get the benefit of the automatic stay, you must file, at a minimum, the following documents: voluntary petition, creditor matrix with verification, and certificate of credit counseling<\/a>, if applicable, and Exhibit D. You also need to pay a filing fee.<\/p>\n