Portland, Oregon Bankruptcy Lawyer
Providing solutions to overwhelming debt:
Especially in our poor economy, where jobs are unavailable or pay significantly less than previously, mounting debt can begin to feel unmanageable and overwhelming. Attorney Erik Graeff brings the knowledge and skill required to help you take control of your debt so you can take control of your life.
Negotiators of debt relief options:
We research the best means for handling your debt, which is not always bankruptcy. When bankruptcy is not your best option, we negotiators step in on your behalf to persuade creditors to lower your debt and accept more reasonable monthly payments.
Extensive experience with debt analysis:
We truly listen to your needs and thoroughly analyze your case to determine if bankruptcy offers the most effective way to ease your financial burden. We review your debts, income and expenses, and explain the ultimate impact bankruptcy would have on your family, business, home and future credit. We answer all your questions about the bankruptcy process and the outcomes you should expect. Our compassionate approach to dealing with bankruptcy leaves no surprises.
Reprieve through automatic stay:
Creditors' aggressive collection methods unfairly compound the stress of escalating debt. You can put an end to the constant harassing phone calls and letters meant to intimidate you into paying debts you cannot afford. As soon as you file for bankruptcy, creditors must immediately stop all collection efforts - including those distressing letters and phone calls. We then deal with your creditors so you can regain your peace of mind.
Your bankruptcy options in Oregon:
Chapter 7 bankruptcy:
Chapter 7 bankruptcy is available to individuals and businesses looking to quickly and simply resolve your debts. Provided you pass the court's means test, Chapter 7 bankruptcy grants you relief from debts through the liquidation of your assets. Because many household and personal items are exempt, you can make a fresh start with limited disruption to your life.
Chapter 13 bankruptcy:
Chapter 13 bankruptcy enables you to stop your lenders from foreclosing on your home. If you and your spouse have substantial incomes, but a sudden illness, job loss or another unexpected circumstance has interfered with your ability to pay your bills, Chapter 13 bankruptcy permits you to pay debts over time in smaller amounts.