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Your Trusted Oregon Bankruptcy Solution
Northwest Debt Relief Law Firm have dedicated their practice to providing accessible, compassionate debt relief solutions for Oregon residents. With offices in Portland, Salem, Medford, and Eugene, our team specializes in Chapter 7 and Chapter 13 bankruptcy filings, helping clients eliminate unmanageable debt and rebuild financial stability. Our attorneys bring decades of combined experience navigating complex bankruptcy laws, offering personalized payment plans that eliminate the need for large retainers. Every case includes complimentary credit repair services, reflecting our commitment to long-term client success.We prioritize client education through free consultations and resources explaining bankruptcy myths, asset protection, and dischargeable debts. Our practice emphasizes transparency, with no hidden fees and clear communication about automatic stays, creditor meetings, and post-discharge credit rebuilding strategies. By combining legal expertise with practical financial guidance, we empower clients to achieve the fresh starts they deserve.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Credit Repair Services
Debt Relief Consultation
Bankruptcy Filing Assistance
Highlights and features
- We offer payment plans with no large retainers required
- Our team includes experienced Oregon bankruptcy specialists
- Free credit repair included with every bankruptcy filing
- We provide 24/7 emergency bankruptcy filing assistance
- Personalized debt solutions tailored to Oregon residents
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation. This process stops creditor harassment and wage garnishment while protecting essential assets like homes and retirement accounts. Most clients complete the process within four months.
Chapter 13 Bankruptcy
Chapter 13 establishes structured repayment plans for secured debts. This option allows debtors to retain property while catching up on mortgage or car payments over three to five years with court-protected payment schedules.
Credit Repair Services
Our free credit repair program helps clients rebuild credit scores post-bankruptcy. Through strategic payment reporting and financial guidance, most clients achieve scores above 720 within 18 months of discharge.
Debt Relief Consultation
Free initial consultations assess debt situations and explore bankruptcy alternatives. Our attorneys explain options for stopping foreclosure, resolving medical debt, and managing wage garnishment through legal protections.
Bankruptcy Filing Assistance
We handle complete bankruptcy petition preparation including asset declarations and means testing. Our services cover creditor meeting representation and post-filing education requirements to ensure successful discharge.
People
Tom McAvity
Bankruptcy Attorney
Tom McAvity specializes in Oregon bankruptcy law with extensive experience helping clients eliminate debt through Chapter 7 and 13 filings. He focuses on accessible legal solutions and post-bankruptcy financial recovery.
Mark Ditton
Attorney
Mark Ditton provides expert bankruptcy guidance, specializing in asset protection and debt discharge strategies. He assists clients with navigating bankruptcy exemptions and developing sustainable post-discharge financial plans.
Questions
What's the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates unsecured debts through asset liquidation while Chapter 13 establishes repayment plans for secured debts over 3-5 years.
How much does bankruptcy filing cost in Oregon?
Our bankruptcy fees include no large retainers with payment plans available. Costs vary based on case complexity and required debt counseling services.
Will bankruptcy stop wage garnishment and creditor calls?
Yes, the automatic stay stops wage garnishment, foreclosure, and creditor harassment immediately upon filing your bankruptcy petition.
Can I keep my home and car during bankruptcy?
Chapter 7 protects essential assets through exemptions while Chapter 13 allows you to retain property by continuing payments through repayment plans.
How does bankruptcy affect credit scores?
While bankruptcy appears on credit reports for 7-10 years, our free credit repair program helps most clients achieve scores above 720 within 18 months post-discharge.
What debt cannot be discharged in bankruptcy?
Non-dischargeable debts include child support, recent tax obligations, and debts resulting from fraud or willful harm. Most unsecured debts qualify for discharge.
