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One-on-One Personal Service with a local,
Highly Experienced Bankruptcy Attorney
Call: 503-666-6000
18445 E Burnside Street
Portland, OR 97233
Making Bankruptcy Less Taxing on Your Peace of Mind
Always Available for You

Service Area:
Gresham | East County | Sandy | Damascus Boring | Portland | Troutdale | Wood Village
Counties: Clackamas | Multnomah
Office Hours:
Monday-Friday, 8:30 a.m.–5:30 p.m.
All Other Times by Appointment
Only the Best for You

No Charge for Initial Consultation



Filing bankruptcy scares me. Honestly, what do they make you go through?

Most of the time, the bankruptcy procedure is much more straightforward than people fear. You do have to be honest and take it seriously. And to avoid problems, you should have an attorney helping you. A competent and understanding attorney will determine where there might be complications in your case and help you make the best choices about them (See Question #2).

I'm not sure about using an attorney. Do I need one, and how do I find one?

Maybe it does not seem right that you should need an attorney to file a bankruptcy, but there truly are many good reasons a person thinking about bankruptcy needs solid legal advice from an experienced bankruptcy attorney. Even a case that seems simple can have hidden complications, causing huge problems if you do not have an attorney to help you find them and to resolve them for you.

Law Book_Gresham, OR_David Gene Low
You need an attorney who thoroughly understands bankruptcy law and also understands your situation. It is worth putting some effort into finding the attorney who is right for you and one who helps you feel comfortable about the options involved. Looking at Websites is a sensible start. There is a surprising variety among attorneys in how experienced they are with bankruptcies and in the quality of their service.

I do not want my bankruptcy to affect my spouse or significant other. Would it?

Every single or attached person can choose to file his or her own personal, separate bankruptcy. If you file a bankruptcy by yourself, it is yours and nobody else's. It will not be on anybody else's credit record. You do need to be careful, however, because sometimes it can be unwise to file your own bankruptcy either without your spouse or your significant other filing.

If you do file a bankruptcy for yourself, be aware that there can still be indirect effects on your spouse or significant other. In many situations, you will have to show the whole household's income and expenses, not just your side of them. If in the future you try to finance something together, such as a house or car, your own credit record may make that more challenging for the two of you.

I don't have much, but there is a certain thing or two I own that I just don't want to lose. Can I protect what is important to me?

In almost all situations, if you need to protect something, there are legitimate ways to accomplish that. Usually this occurs rather easily, through a list of various amounts of possessions the law allows you to keep, called "exemptions." If you own something that is worth more than is permitted under those exemptions, there are usually other legitimate ways to protect it, including filing a Chapter 13 case.

Are you trying to keep something on which you owe money to a creditor? If you are current on the payments or could keep up the payments with reduced or eliminated debt, a bankruptcy can help accomplish your goals.
Contact me in Gresham, Oregon, for an appointment to ask me any questions about bankruptcy law representation.