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Are you in financial trouble, but currently getting a steady income from employment or as a self-employed individual? Chapter 13 could be an option for you to get relief if you find yourself in one of the following situations

  • you have fallen behind in payments on your mortgage or auto loan
  • you owe incomes taxes that you cannot afford to pay
  • you have filed chapter 7 within the last 8 years and do not qualify for a chapter 7 discharge
  • you have car payments you cannot afford and would like to have them lowered

If you have enough income to meet your monthly expenses, such as rent, utilities, food, clothing, vehicle payments, and other expenses, chapter 13 may be your solution.

Chapter 13 can last between 3 and 5 years. You send a payment to the court each month and let the court sort out who gets paid based upon papers we create called a Chapter 13 Plan. Debts not paid in full at the completion are discharged. Contact Oregon Fresh Start for more information about filing. Our rates are very reasonable, and we serve the entire State of Oregon. We have 40 years of experience, and have helped over 11,000 people through the various types of bankruptcy.

Contact an Oregon Chapter 13 bankruptcy lawyer from our firm for more information about how we can help you get your finances back on track.


If you do not qualify for Chapter 7 because you make too much money or own too many assets, Chapter 13 could be the best option for you to resolve your financial difficulties. You gain the advantage of being free from creditor calls or other attempts to collect, which relieves the incredible stress you are likely experiencing. You do not have to worry about losing your home or other property, and you gain the opportunity to get your finances back on track.

There are restrictions regarding what you can buy during this period; non-essential items will not be part of your budget during the period of the bankruptcy. The debt that you carry that is unsecured consumer debt will not have interest added during this period, allowing for much more of the principal to go to the debt. Find out more about filing Chapter 13 by contacting our firm; we have the experience and knowledge with this form of bankruptcy that allows us to explain to you simply the benefits that you could gain, as well as the impact on your life.