What does talking to a Portland bankruptcy lawyer say about you?
Talking to a Portland bankruptcy lawyer says that you are really smart and want to learn about your options. Talking to a Portland bankruptcy lawyer means getting help to file a petition in federal court asking for protection from your creditors. Talking to a Portland bankruptcy lawyer does not mean that you are completely broke. It means that you are smart enough to know that you need help.
More and more people these days are retaining the services of a qualified Portland bankruptcy lawyer to help them get out of debt and begin to rebuild their lives. There are literally hundreds of reasons why people may need to file for bankruptcy protection including job layoffs, divorces and illnesses.
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Portland
10260 SW Greenburg Rd. STE 415 Portland, OR 97223 Map | Directions Case Evaluation | Coverage |
Portland
10260 SW Greedburg Rd #400 Portland, OR 97223 Map | Directions Case Evaluation | Coverage |
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Portland
516 SE Morrison Ave Suite 1010 Portland, OR 97214 Map | Directions Case Evaluation | Coverage |
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Get the help you need from Total Bankruptcy
To gain the help you need to make an educated decision about your legal options -- contact Total Bankruptcy. A sponsoring attorney can review your situation and give you an initial consultation, free with no obligation. Don't hesitate to call 1-877-349-1309 for the help you deserve.
As a consumer, your options are either Chapter 7 or Chapter 13.
In a Chapter 7 case, most of your unsecured debts may be discharged and your possessions (assets) beyond allowable exemptions may be liquidated to pay some or all of your debt. Many of your assets might be exempt, meaning they cannot be liquidated. If you have a job or some other source of regular income that you can use to make payments under a repayment plan, a Chapter 13 debt consolidation filing may be right for you. You may be able to use Chapter 13 to liquidate the majority of your debts, set up a reasonable debt repayment plan, and get a fresh financial start.
Chapter 7 and Chapter 13 will not liquidate all types of debt. Exceptions include most tax claims, alimony, child support, many property settlement obligations from a divorce or separation, most student loans, fraud debts, and debts from a drunk driving problem. Chapter 7 also will not release you from damages for "willful and malicious" acts such as assaulting another person. Many debts incurred though the debtor's fraud are also non-dischargeable. In this regard, there is a presumption of fraud in last minute credit card binges involving more than $1,075 in either cash advances or luxury purchases within sixty days before a Chapter 7 filing.
Before filing for either Chapter 13 or Chapter 7 protection, debtors must first be evaluated by a debt counselor. And debtors trying to file under Chapter 7 are required to take a "Means Test" to determine if they have the means to pay a portion of their debts. So, if you are in doubt about your options - call 1-877-349-1309.
For advice and legal counsel call 1-877-349-1309 or fill out our secure online evaluation form.
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.