Want to buy a home after bankruptcy and qualify for a mortgage?
Thanks to various government programs, you can – and a lot faster than you would expect.
The government knows how many people file for bankruptcy each year, and recognizes that preventing them all from becoming homeowners would kill the real estate market.
Luckily there are a number of programs out there to help you get a mortgage after bankruptcy.

In Oregon, the court imposed filing fee for a Chapter 7 bankruptcy is $306. Chapter 7 Bankruptcy filers have the option of paying this filing fee after their cases are filed. Our office prepares the required application for you so that you can get your case filed quickly and pay the filing fee later. If you do choose this option, the Oregon Bankruptcy Court will impose an installment payment schedule that will enable you to make three monthly payments of $102 in the three months after your case is filed

Your creditors can force you into bankruptcy – literally and figuratively.
At least twice a week someone tells me that they’d never file for bankruptcy if only their creditors would “work with them.”
It’s as if the credit card companies, car lenders and mortgage banks are conspiring against you.
What you don’t know is that in some ways, they are doing just that.
Creditors Often Don’t Care If You File For Bankruptcy

HOLIDAY DEBT CURES
By:  Steven P. Taylor, Attorney at Law
It is that holiday season again. A number of potential debt traps exist that could lead to long-term credit card bills for payment of holiday things such as Thanksgiving dinners and Christmas presents and the travel to each that we must pay for.

HOLIDAY DEBT CURES
By:  Steven P. Taylor, Attorney at Law
It is that holiday season again. A number of potential debt traps exist that could lead to long-term credit card bills for payment of holiday things such as Thanksgiving dinners and Christmas presents and the travel to each that we must pay for.

Prospective Chapter 7 Bankruptcy all across the state of Oregon should be cheered by the news that it is now going to be a little bit easier to qualify. The US Trustee recently divulged that the median income in Oregon for purposes of the means test have been adjusted upwards for most families
Here you can see the difference:
New Means Test Numbers

OREGON

Family of One
$44,779

Family of Two
$55,568

Family of Three
$60,693

Family of Four
$70,812

Old Means Test Numbers

OREGON

Think back to a time when you didn’t have any credit cards.
Life was simpler, wasn’t it? Buy something and pay for it once, never worrying about interest charges or falling behind.
It can be that way again. All you need to do is approach the world with the same level of rationality as you did in the past.
Here’s how.

What happens when a creditor has a judgment against you? Some debtors make the mistake of ignoring the summons and experience a rude awakening when their wages or their bank account gets garnished.  You have a certain amount of time to answer the judgment before further legal action is taken against you.  If you fail [...]

Ever forget where you put your keys? This clunky mass of metal and plastic, a critical piece of your day-to-day life, just goes missing.
Frustrating, but it happens. And most of the time, you’ll eventually find them sticking out of the lock of the front door or buried under a pile of mail on the table.
The fact that you can forget something so important makes it easier to understand how you can forget a particular creditor when compiling information for your bankruptcy case.

In Willy Wonka and Chocolate Factory, everyone was hunting for the Golden Ticket so they could get a tour of the chocolate factory.  The Golden Ticket in every chapter 7 bankruptcy in Fresno, and everywhere else, is the Discharge Order.