Everyone Deserves a Second Chance
Fighting for the Little Guy in Portland & Beyond

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The Benefits of Falling Home Values in Your Bankruptcy Case

In our last blog we talked about how the home values have fallen during this Great Recession. Particularly, we showed how, both nationally and in the Portland area, prices recovered somewhat during portions of 2009 and 2010 but have been again decreasing and, particularly in Portland in the last couple of months, at a steep rate.

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Should I Worry About a Creditor Challenging the Write-off of its Debt in Bankruptcy?

Most people know that some specific kinds of debts can’t be legally written off (“discharged”) in bankruptcy, like child and spousal support and most (but not all) taxes. But you may have heard that sometimes creditors can challenge your ability to discharge even ordinary debts like credit cards and medical bills.

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Bankruptcy DOES Help Resolve Your Business Tax Debts

You might have heard that bankruptcy does not help with taxes, and especially not with business taxes. That’s not true. This is an area with many myths and misconceptions.

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U.S. Bankruptcy Filings Increased by 9% in 2010, By More Than 10% in Oregon

It’s not a great idea to decide to make a major decision in life because “everyone’s doing it.” But that may be a good reason to look more closely at what “everyone” is doing and then decide whether doing it makes sense for you.

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Practical Ways Bankruptcy Can Help With the New Foreclosure Defense Opportunities

In our last blog two weeks ago we talked about major mistakes that many of the mortgage lenders made in the past few years in documenting mortgage loans and foreclosures. These lenders cut corners and likely broke the law—sometimes in more than one way.

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Mortgage Lenders’ Mistakes Create Opportunities for Distressed Homeowners

During the last few months, the local and national news has been full of stories about mistakes made by mortgage lenders that have helped millions of homeowners at least buy some time to live in their homes threatened by foreclosure. Some of these homeowners have done better than buy time: they’ve leveraged these creditor mistakes into better terms on their mortgages.

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Pay Less on Your Vehicle Loan Every Month & Pay It Off for Less Money

In our last blog we talked about keeping your vehicle in a Chapter 7 case through the protection of the vehicle exemption. But we didn’t talk there about what to do if you have problems making the vehicle loan payments.

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Can I Keep My Car or Truck If I File a “Straight” Chapter 7 Bankruptcy?

So you’ve heard that in a regular Chapter 7 bankruptcy most people can keep their vehicle, but you are worried about whether you’d be able to keep yours. Here’s how this works.

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New Bills in Congress Would Allow Discharge of Private Student Loans

Congress and the courts have over the years generally made it harder and harder for you to write off (“discharge”) student loans in bankruptcy. Most debts, such as credit cards, medical bills, old utilities and back rent, can be written off, or “discharged,” when you file a bankruptcy.

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Bankruptcy Job Discrimination Is Illegal

In our last blog we covered the new Oregon Job Applicant Fairness Act, which made it illegal for most employers in Oregon to use a job applicant’s credit history in making hiring decisions.

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