When struggling with unmanageable debt due to the result of a divorce or loss of a job, or for any other reason, filing for bankruptcy offers you a fresh financial start. Hiring a lawyer experienced in bankruptcy laws and procedures is vital to making sure your interests are protected and you achieve that fresh start the bankruptcy law provides you.
At Law Office of Scott Niebling, I protect the rights of people in Oregon and Western Washington. I understand that filing for bankruptcy may be overwhelming for many people. I will make sure to take the time to carefully explain the process, answer your questions and be available whenever you have questions or concerns.
My Consumer Bankruptcy Practice
The federal bankruptcy laws were enacted to provide relief for people facing severe financial challenges. Filing for bankruptcy protection invokes an automatic stay against all of the creditors listed in your bankruptcy petitioner that prevents them from continuing any attempt to collect a debt from you. This automatic stay will put an immediate end to harassing phone calls, letters and repossession attempts from creditors pending the outcome of your bankruptcy case.
Not all creditors are treated the same under the bankruptcy law and the protections of the automatic stay, so it is critical to have a lawyer experienced in applying bankruptcy law to the various forms of debt and creditor relations that debtors have in bankruptcy, to ensure that the fresh start that bankruptcy law provides you is fully achieved.
At my office, I help individuals, and small and family-owned businesses obtain relief in bankruptcy. Whether Chapter 7 or Chapter 13 of the bankruptcy code best applies to provide the relief you need depends on a number of different factors in your case. I will work to find the best option for you, given your case. I understand that every bankruptcy is unique. I will sit down with you, carefully gather information about your specific situation and advise you on the best route to take.
Chapter 7 Bankruptcy
To qualify for the permanent discharge of debt under Chapter 7 bankruptcy, you must submit to a means test, demonstrating to the bankruptcy court that you fit within a certain level of income. This means test is generally based on your income and family size but also contains a number of other factors that we will thoroughly review before deciding which chapter of the bankruptcy code best fits your situation.
When you come to my office to explore your bankruptcy options, I will first determine if your situation passes the means test. I will carefully explain which debts can and cannot be discharged and which assets are protected. My office will prepare and file all of the required documents with the bankruptcy court, and appear with you at your meeting of creditors and trustees. I will also represent you in any required bankruptcy court proceedings.
Chapter 13 Bankruptcy Alternative
If you do not meet the eligibility requirements under Chapter 7, or if the debt relief allowed in Chapter 13 of the bankruptcy code best suits your situation, I will work with you to reorganize your debt and obtain whatever discharge of debt is allowable under Chapter 13 of the code.
From time to time, certain issues in any bankruptcy case will need to be resolved through litigation. I have extensive experience litigating cases within the context of the bankruptcy laws. I have represented consumers and small businesses having legal disputes in bankruptcy throughout my career that began in 1995.
Contact My Office Today For More Information
To schedule a consultation, call my office in Portland at 503-505-6072 (toll-free at 888-366-8702). You can also fill out my online contact form so that I can be in touch with you as soon as possible. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.