PDX Law Group P.C. is a full service law firm serving clients in all types of transactions and litigation, including bankruptcy, foreclosure, business, family law, personal injury and real estate cases.
Our practice specializes in foreclosure defense but also focuses on debtor/creditor law including bankruptcies. We also provide general legal services such as drafting wills, entity formation, buying/selling businesses, and general litigation. We pride ourselves on our responsiveness and accessibility to clients and encourage close working relationships between partners and associates, lawyers and staff, or attorneys and clients. We can therefore offer an integrated team approach that not only provides sound legal advice, but that also helps achieve the optimum practical result for a client's business. For additional information about the scope of our practice and the ways we strive to deliver effective service for our clients, contact us. --------------------------------------------------------------------------------------------------------------------------------
121 SW Morrison St.
Portland OR 97204
When you are having financial issues in Oregon or Washington, a bankruptcy attorney can help you weigh your options and make a choice to help you get your finances and your life back on track.
As unpredictable as life can be, sometimes events happen that require the advice and representation of a quality legal professional. Our attorneys understand the complexities of bankruptcy law, and they know that it may not be the most suitable option for everyone. If you are struggling to pay your bills or are facing a seemingly endless amount of debt, filing for bankruptcy may be what you need to do in order to get your life back in order. Chapter 7 bankruptcy is what some people call "Straight Bankruptcy." It is a way to get rid of your unsecured debts (e.g. credit cards, medical bills, personal loans, payday loans, etc.) and get a fresh start in life. In return for getting rid of your unsecured debts the court has the right to sell any property you own that you cannot protect. The court does this by appointing a trustee to take possession of whatever property you own that you cannot protect, sell it and use the money to payoff as much of your unsecured debts as possible. After the money from the sale of your things is gone, the remaining debts are discharged (i.e. wiped away) and your personal obligation to pay them in the future is gone. Your case is then closed. Chapter 13 is a way of having some or all of your debts paid back over time out of your wages. Like a Chapter 7, you list all of your property and all of your debts. But unlike Chapter 7, you get to keep all of your property. Instead of selling your property to pay your debts, the court accepts monthly payments from you for 3 to 5 years. Those monthly payments are used to pay your debts. The main reason you may choose to file a Chapter 13 is because you can catch up on mortgage payments and/or car payments on which you are behind as of the date of filing. This means you will not lose your house and/or car in Chapter 13, so long as you keep your payments current after filing bankruptcy. Another benefit is that my attorney fees can generally be paid out of the monthly payments that you make to the court. Chapter 13 also gives you the ability to reduce the amount you must pay to a creditor for your car if you bought the car over two and a half years ago. If you did, you can reduce what you owe to the fair market value of the car and you can reduce the interest rate that you pay on that amount to about 6%. Even if you bought your car within the past two and a half years, you can still reduce the interest rate that you pay on the balance due as of the date you filed bankruptcy to about 6%.
When you need a local Portland foreclosure lawyer, trust the experts at PDX Law Group.
For residents of Portland, a foreclosure lawyer with long-term experience and an intimate knowledge of the law can help you to get through a difficult situation. Quality advice will imbue you with informed self-confidence and give you the peace of mind that you deserve. At PDX Law Group our attorneys have the experience and know-how necessary to help you through this tough time. When you choose to work with an attorney from our firm, we know you will be pleased with your results. If you are facing foreclosure, you should not have to deal with the stress completely on your own. Our expert attorneys offer advice and legal guidance to clients of Washington and Oregon from our offices in downtown Portland. We completely understand that these are tough times. The advice and legal representation which we provide to our clients is what you need to get you through this ordeal. Over the past three years our team has obtained over 300 loan modifications for our clients, and while approval is never easy and rarely quick our experience can make a huge difference on your chances of obtaining a successful result. With conveniently-located offices in downtown Portland, a foreclosure defense lawyer from PDX Law Group will help to overcome your stressful situation. Call us today for your consultation.
Troubled financial times mean more businesses and consumers find it difficult to meet originally agreed terms of loans, leases, and other obligations.
We work with both debtor (borrower) clients to design and implement workout strategies appropriate to their circumstances. We provide counsel regarding your legal rights, obligations and opportunities. Mortgage Loan and Other Debt Workouts If you find it difficult or impossible to meet your payment obligations on mortgage loans, lines of credit, credit cards, auto loans, or leases, we help implement appropriate strategies for workouts or defense against creditors. We provide counsel regarding your legal rights, obligations, and available remedies. Your options may include: Lowering Payments Loan Modification Lump-Sum Settlement Short-Sales Deed-in-Lieu of Foreclosure Forbearance or ?Payment Plan? Workouts Lawsuit for Rescission or Other Claims Injunction to Stop Foreclosure or Eviction Commercial Debt Workouts Schwindt | Richardson can provide debt restructuring advisory services to commercial real estate owners facing cash flow problems and/or the inability to refinance their properties due to capital market disruptions. Our team will formulate loan restructuring proposals to address the immediate cash flow or enforcement issues while developing a strategy towards an exit for the current lender while maintaining ownership. Our value is in advocating for our clients' rights, properly documenting the workout, and presenting the economics of the deal in a logical and professional manner in support of a loan restructuring proposal. Bankruptcy Sometimes circumstances lead to debts beyond our ability to control without the protection of bankruptcy. We strive to make the bankruptcy process as simple and stress-free as possible, as we make ourselves available to answer your questions and address any concerns you may have along the way. We offer Chapter 7 and Chapter 13 bankruptcy filings, as well as any related motions and litigation. We offer fixed-fee representation and affordable individual consultations, so please schedule an appointment today if you are considering whether filing a bankruptcy is in your best interest. Defense of Creditor Harassment We represent consumers who have been a victim of fraudulent activity or deceptive trade practices. This includes debtor harassment by creditors. Please contact us to discuss your rights if your creditors have exhibited any of the following behaviors: Threaten to take criminal action against you Berate or insult you Intimidate or harass you Call during odd hours Contact your employer Call you everyday until the debt is paid Make false representations about the debt or their intentions
We pride ourselves on our responsiveness and accessibility to clients and encourage close working relationships between partners and associates, lawyers and staff, or attorneys and clients. We can therefore offer an integrated team approach that not only provides sound legal advice, but that also helps achieve the optimum practical result for a client's business. For additional information about the scope of our practice and the ways we strive to deliver effective service for our clients, contact us.
President/Founder: A graduate of Lewis and Clark Law School by way of Kansas State University, David Richardson is a licensed member of the Oregon and Washington Bar Associations, the US District Court for Oregon and Western Washington, and the District of Oregon and Western Washington Bankruptcy Courts. David began his legal career working as in-house counsel with a real estate development and finance company before co-founding Schwindt Richardson LLC in 2007.
As a partner at Schwindt Richardson, David broadened his practice to include Consumer/Debtor Law with an emphasis on distressed properties. He and his team have obtained over 300 loan modifications for their clients since 2009 and have filed almost as many bankruptcies. He left Schwindt Richardson in August of 2012 to found PDX Law Group P.C. and is very excited for the opportunity to continue growing both his practice and his client base. In his downtime David enjoys backpacking, rafting, skiing, tennis, travelling, and is an avid Trail Blazers fan. He lives with his family in a home they built in SE Portland and loves his adopted home in the Pacific Northwest.
Bar Number: 051370
Bar Number: 42777
Kansas State University
Lewis and Clark Law School
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