Representing Individuals in Tualatin, Oregon
Welcome to our mini-site! This site gives useful information about bankruptcy in Oregon. To find out more about consumer law and bankruptcy in Oregon, please visit our main website at www.baxterlaw.com.
This information is presented by the Portland bankruptcy attorneys of the Bankruptcy Practice Group of Baxter & Baxter, LLP, a Portland, Oregon consumer litigation law firm, specializing in credit reporting cases, identity theft cases, and unlawful debt collection practices cases.
The Portland, Oregon bankruptcy attorneys of the Bankruptcy Practice Group represent Tualatin and other Oregon consumers in Chapter 7 and Chapter 13 bankruptcies. Consistent with the consumer protection mission of Baxter & Baxter, LLP, the Portland bankruptcy lawyers of Baxter & Baxter, LLP, represent only consumers, and not creditors.
Free Initial Consultation – Stop Debt Collector Calls
Stop Home Foreclosures
The Portland bankruptcy lawyers of the Bankruptcy Practice Group of Baxter & Baxter, LLP represent individuals in Chapter 7 and Chapter 13 bankruptcies. We offer a free initial phone consultation. We can stop collection calls from debt collectors. We can advise consumers whether to file for bankruptcy, and what form of bankruptcy to file. Our rates are competitive, and an uncontested no-asset Chapter 7 bankruptcy can be filed for as little as a $1,250 fee. I’ve Filed for Bankruptcy
in the Past; Can I File Again? Yes. A person can file
for bankruptcy more than once, but you may have to wait a particular
amount of time since the last time you filed for bankruptcy in order
to obtain a discharge of your current or newly incurred debts.
The policy underlying the United States Bankruptcy Code is to permit
any person to obtain a fresh start from their debts. Unfortunately,
unforeseen circumstances, such as death, divorce, or unemployment can
necessitate filing a new bankruptcy. The amount of time you have
to wait between filings depends on what type of bankruptcy you previously
obtained, and what type of bankruptcy you want to file for now. If you previously filed a Chapter
7 bankruptcy (also known as a "liquidation" or "total discharge"),
you must wait eight years before filing again for a new Chapter 7 discharge.
Note that the eight years begins with the date of the initial filing,
not the date of the initial discharge. Most consumers file for
Chapter 7 bankruptcy. In Chapter 7 liquidation, the bankruptcy
court judge enters an order discharging most debts, including credit
cards, loans, and other types of debt, but not child support, spousal
support, and some taxes. If you previously filed a Chapter
13 bankruptcy (also known as a "wage earner repayment plan"), you
may file a new Chapter 13 bankruptcy after as little as two years after
the original petition was filed. In Chapter 13 bankruptcy, the
bankruptcy court judge creates a repayment plan on behalf of the debtor
for a period, usually three to five years. If you previously filed a Chapter
7 bankruptcy, you are eligible to file for a new Chapter 13 bankruptcy
after four years from the previous filing. If you previously filed a Chapter
13 bankruptcy, you must wait six years before filing a Chapter 7 bankruptcy.
This generally applies only where more than seventy percent of the plan
is completed. If less than seventy percent is completed, it may
be better to consider a petition converting the existing Chapter 13
repayment plan into a Chapter 7 discharge. In order to convert a Chapter
13 repayment plan into a Chapter 7 liquidation, you must meet the qualifications
for a liquidation, prepare the proper forms, and file them with the
bankruptcy court. In a limited number of cases, a Chapter 7 can
be "reconverted" back into a Chapter 13 bankruptcy. Some courts
do not permit debtors to convert or reconvert their bankruptcies.
A bankruptcy attorney can advise you on if a conversion or reconversion
is permitted in your particular bankruptcy court. It is significant to recognize,
as well, that under the Fair Credit Reporting Act, both bankruptcies
may appear on a consumer’s credit report after bankruptcy, if the
cases are filed within ten years of one another. Also, new accounts
and affirmed accounts may be reported with a more recent delinquency
date. In summary, there is not a
fixed limit on the number of times a consumer can file for bankruptcy.
It may be necessary to wait a particular amount of time between filings.
That time may vary, based upon the type of bankruptcy you previously
filed, and the type of bankruptcy you wish to file now. Filing
a new bankruptcy can have consequences, such as the ability to convert,
or negative information appearing on your credit report.
Call today for a free consultation and speak to a Portland Oregon bankruptcy attorney today!
Call today for a free consultation and speak to a Vancouver WA bankruptcy attorney today!
Information about Bankruptcy in Tualatin, Oregon
To speak with a Portland, Oregon bankruptcy attorney, call Baxter & Baxter, LLP, at (503) 297-9031.
Bankruptcy Resources in Oregon
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"We are a debt relief agency. We help people file for relief under the Bankruptcy Code."
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Baxter & Baxter, LLP
8835 S.W. Canyon Lane, Suite 130
Portland, Oregon 97225
503.297.9031
503.291.9172
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