Thousands of people each year, just like you, are getting the fresh financial start they need through filing Chapter 7. This form of bankruptcy allows the individual or married couple to have their debt discharged - it is no longer owed. For many people, there is little hope of ever paying off their debts. The federal government allows you to start over financially when this is the case. There are many of your friends, neighbors, and associates who may have already taken advantage of filing Chapter 7 and are enjoying the relief of a fresh start without the stress and anxiety of worrying about money and bills they cannot pay. At Oregon Fresh Start, as a Bend Chapter 7 bankruptcy lawyer, my staff and I can guide you through every step of the bankruptcy process.
As your Bend Chapter 7 bankruptcy lawyer, I have had 42 years of experience and have helped over 11,000 clients with bankruptcy. I know how to get the process into motion quickly for you, and I know how urgent financial problems usually are. Much of the work my staff and I do can be done electronically, allowing you to get legal representation of the highest quality quickly and without having to come to our office for every detail. I serve the entire State of Oregon, and I can help you, too.
My rates are affordable, and I keep them that way purposely. I know you are in trouble financially. It won't help you to owe a huge lawyer bill that you cannot pay on top of what you are already struggling with. Chapter 7 bankruptcy takes approximately 4 - 5 months to complete, at which point your qualifying debt is discharged. The freedom and relief my clients experience is something I hear over and over. You have the right to get a fresh start if you are suffering from an impossible debt load. Let me and my professional staff at Oregon Fresh Start assist you.
Are you in financial trouble, but currently getting a steady income from employment or as a self-employed individual? I, as your Bend Chapter 13 bankruptcy attorney, will work with 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 me at Oregon Fresh Start for more information about filing. My rates are very reasonable, and I serve the entire State of Oregon. I have 42 years of experience, and have helped over 11,000 people through the various types of bankruptcy.
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 me, your Bend bankruptcy attorney/Hermiston bankruptcy attorney. My team has 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.