Oregon Bankruptcy Lawyer Blog

Probably the largest complaint I receive as a portland bankruptcy attorney is about the creditor calls my clients receive. They start typically 1-2 weeks after a payment is missed and increase in frequency the longer you don't make the payments. The first calls will usually be a couple of courtesy calls asking to set up a payment to get caught up. They will graciously agree to waive the 14.00 over the phone payment. Since you couldn't make the payment in the first place, you probably wont be able to make this one either; so its irrelevant.

Continue reading "Pre-Bankruptcy Issues: Getting Ready for the Phone Calls." »

I hear a lot of questions as a bankruptcy lawyer in Portland Oregon...One of the most common questions I hear when I meet with prospective clients is "when will I be able to borrow again?". Its actually a reasonable question and I understand why people ask; but after being in this practice as long as I have been the answer to me is pretty obvious...Who Cares!

Its not that its a bad question...but our culture has conditioned us so much to rely on and base our worth on what we can borrow that it frustrating for me to hear folks who are in debt trouble asking when they can take more debt. I find that its my job as a lawyer and counseling to help my clients understand that the better question is: "After this bankruptcy will I need credit again?". The answer to that is probably not.

Continue reading "Post Bankruptcy and New Credit: Do you really need to ask?" »