Articles from Oregon Bankruptcy Lawyer | Portland, Salem, and Vancouver, Wa

New Oregon and Washington Student Loan Law Site

We recently launched a website for our Oregon and Washington Student Loan Law Practice. We are thrilled to be helping student loan borrowers in our community lessen their student loan burdens. As one of very few graduates in the Pacific Northwest of Joshua Cohen’s Student Loan Seminar and as a long time member of the National Association of Consumer Advocates, I am eager, willing and able to help consumers across both Oregon and Washington obtain better student loan terms.

Getting Ready for an Oregon 341 Meeting of Creditors

Here’s what you need to know
Who must attend?
The Trustee, you, and one of our attorneys. The Trustee is the person who runs the hearing and asks you questions.
Who gets invited?
All the creditors listed in your bankruptcy schedules get a notice in the mail. Many times none of the creditors show up. Some may show up to get basic information from you. Ultimately, while creditors may ask questions at the hearing, they rarely show up and the ones that do show up usually keep quiet.
Where is the meeting held:

Whether Your Bankruptcy

Whether Your Bankruptcy was filed in Portland or Eugene, there is no need to be nervous about your 341 hearing. In our next blog article, we will discuss exactly what you need to bring to the hearing and the kind of questions that you are likely to encounter.

Oregon Student Loan Attorney

Our law firm will soon be expanding the scope of our practice  to include representing Oregon  and Washington debtors with respect to their student loan issues. Since most consumers in the pacific northwest have never even heard of student loan law, I thought I would take this opportunity to describe many of the services that we will be offering to Oregon and Washington consumers.
For Recent Graduates as well as Borrowers in Good Standing

Tips for Increasing Your Credit Score in the Wake of Bankruptcy

Using credit after bankruptcy is the best way to rebuild credit after bankruptcy. If you do want to join the financial mainstream, opening up lines of credit after bankruptcy discharge and paying them off every month in full is probably the best way to have a great credit score in as little as eighteen months after filing.

Student Loans and Bankruptcy

Setting aside the issue of actually discharging student loan debts in bankruptcy, many Oregon and Washington prospective bankruptcy filers wonder what exactly is going to happen to their student loans after the bankruptcy has been filed. The answer really depends on what kind of bankruptcy has been filed and the form of the student loan.

Remember to Rebuild Your Credit Score After You Get Your Bankruptcy Discharge

Oregon bankruptcy filers inevitably ask whether they ever be able to rebuild their credit scores after their bankruptcy cases are completed. The answer is a resounding yes and it doesn’t need to take seven years. Concerns about credit after bankruptcy can be a real stumbling block  for Oregonians who really need to file. They want to finance a house, rent a better apartment or  purchase a vehicle,  but they think that bankruptcy will only push those dreams even further away than they are now.

Tacoma Bankruptcy Law Office

I am pleased to report that after our bankruptcy law firm’s successful expansion to Seattle,we are now opening a bankruptcy law office in Tacoma to serve the needs of consumers in Pierce County. We have launched a Tacoma bankruptcy website which can be found at  http://www.tacoma-bankruptcyattorney.net/
 

Technology and the Debt Collection Industry

In the last ten years, new technologies have revolutionized the debt collection industry, broadening the cope of operations from local and regional to national, and sometimes even to international. Technological innovation has facilitated the creation of very large, full-service debt collection operations, while simultaneously enabling smaller, niche-focused collection to become profitable.

Oregon and Washington Debt Collection Process

For many of our Oregon and Washington clients, the debt collection process is a bit of a mystery. What does a charge off mean? How are these collection companies getting paid? Is that a law firm or a company that is after me now? The information below might help you figure that out. More that anything I want to give you a feel for where you are in the debt collection process. Keep in mind that if you fall anywhere in the debt collection process continuum, it is probably time to seriously consider bankruptcy and get out of the debt collection process all together.

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