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The Vancouver WA bankruptcy lawyers, Portland Oregon bankruptcy attorneys, Oregon City bankruptcy lawyers, and Hillsboro bankruptcy attorneys of the Baxter & Baxter, LLP, represent individuals in Chapter 7 and Chapter 13 bankruptcy. Our mission of committed and zealous consumer advocacy is unrivaled, and our track record of excellence and professionalism is recognized nationwide.

Call (360) 574-5239 to speak with a Vancouver WA bankruptcy attorney today!

More Information about Bankruptcy

• Chapter 7
• Chapter 13
• Common Myths about Filing for Bankruptcy in Oregon and Washington
• Frequently Asked Questions about Filing for Bankruptcy in Oregon and Washington
• Why Should You Hire a Bankruptcy Attorney?
• Eliminating Second Mortgages through Chapter 13 Bankruptcy
• The Process of Filing for Bankruptcy in Oregon and Washington
• Things to Avoid before Filing Bankruptcy
• Stopping Home Foreclosure through Bankruptcy
• Typical Filing Fees to File for Bankruptcy in Oregon and Washington
• Filing for Bankruptcy: A Fresh Start
• How to Dispute False Credit Reports after Bankruptcy

“We are a debt relief agency. We help people file for relief under the Bankruptcy Code.”

Will I lose all of my property, my car, or my personal possessions in bankruptcy?

Probably not. The policy of bankruptcy is to give a debtor a “fresh start.” You are entitled to have a roof over your head, to feed your family, and to get to work so that you can pay your bills. If you have a substantial amount of equity in your home or your car, the bankruptcy trustee may decide whether it is necessary to sell some property to pay your creditors. However, in this economic climate, very few people have equity in their homes or cars.
Can I stop a home foreclosure on my mortgage?

Yes. A Chapter 13 bankruptcy will stop a foreclosure on your home. You can propose a payment plan to pay off your past-due mortgage payments over three to five years. If you file a Chapter 7, it will temporarily stop any foreclosure proceedings against you.

Can I stop collection calls and letters?

Yes. Once you file for bankruptcy, the automatic stay prevents almost all of your creditors from taking any action to enforce any debt. This includes collection calls, letters, and lawsuits.

I have already filed a bankruptcy, can I file again?

Yes, if your previous bankruptcy was filed a specified amount of time in the past. If your previous bankruptcy was a Chapter 7 liquidation, you need to wait eight years from the date the previous case was filed. If your previous bankruptcy was a Chapter 13 wage earner repayment plan, you need to wait four years to file a new Chapter 7 case and two years to file a new Chapter 13 case.

Can I stop a garnishment of my bank account or paycheck?

Yes. Almost all garnishments can be stopped with the exception of child support or spousal support obligations. Some creditors that hold claims that will not be discharged like student loans can start garnishment again as soon as your discharge is entered.

Can I leave a creditor off my schedules?

No. You are required to list all debts. Even debts that you want to keep paying. In fact, just because a debt is not listed on a bankruptcy schedule does not mean it is not included in the bankruptcy. In many cases even unlisted debts are discharged.

This information is presented by the Bankruptcy Practice Group of Baxter & Baxter, LLP. The Portland, Oregon bankruptcy attorneys and Vancouver WA bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcies. We offer a free initial consultation. We can stop collection calls from debt collectors and home foreclosures. We can advise consumers whether to file for bankruptcy, and what form of bankruptcy to file.