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

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Your Options Instead of Bankruptcy

Can you solve your debt problems by settling, consolidating, or just not paying the debts? What are the advantages/disadvantages of each?

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How Do You Decide Whether to File Bankruptcy?

To make this decision well, accept that you need help, become well-informed about your options, then with good counsel make the best choice.

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The Debtor, Creditors, and Clerk in a Bankruptcy Case

Your bankruptcy case will make much more sense if you know the roles of the people involved, starting with debtor, creditors, and clerk. This is the “person” filing the bankruptcy case.

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The Chapters of Bankruptcy

The bankruptcy options are contained in Chapters 7, 9, 11, 12, and 13 of the U.S. Bankruptcy Code. All of the “general and permanent laws of the United States” are contained in the United States Code.

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What IS Bankruptcy?

When you file a bankruptcy case, what exactly allows you to legally stop paying creditors? What do they get in return?

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Federal Limit on the Amount of Your Homestead Exemption

If you bought your home within the last 39 months or so, federal law may limit the amount of state-law homestead exemption you can use. Protecting your assets is one of the most important goals in bankruptcy.

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When File a “Chapter 20”?

If you need more help on payment terms with debts that can’t be discharged, filing Chapter 13 right after Chapter 7 may be your best option.

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What’s “Chapter 20”?

If you owe too much debt but still need Chapter 13, “Chapter 20” may be your best solution. Chapter 13 “adjustment of debts” has debt limits.

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Write Off More Income Taxes through Pre-Bankruptcy Planning

With these 5 steps, you can discharge (legally and permanently write off) more of the income taxes you now owe. Use the bankruptcy rules to take appropriate action before you file bankruptcy.

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Including Current-Year Income Taxes in Your Chapter 13 Case

If you expect to owe taxes for 2015, either wait until after the end of the year or do a partial-year tax return now and file Chapter 13. If you owe income taxes for last year—2015—you may again owe for 2016.

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