Bankruptcy Court District of Oregon
Hon. Trish M. Brown, Chief Judge; Charlene M. Hiss, Clerk of Court
Oregon Bankruptcy Records By Name
Chapter 7 Debts:
Chapter 7 is the type of bankruptcy process that wipes out most unsecured debt. However, the following debts are generally NOT wiped out: student loans; NSF checks; traffic violations; any debt that is based upon fraud or mis-representation; debts caused by an uninsured auto accident that involved a drunk driving citation for you; payroll taxes, property taxes and license fees; child support; spousal support or alimony; criminal restitution or other criminal fines; debts for willful and malicious injury to another person. Income taxes that are less than three years old are also not dischargeable in a Chapter 7 bankruptcy. (The 3-year period begins to run on the April due date.) Recent credit card charges are sometimes not wiped out. Debts that are not wiped out in a Ch. 7 bankruptcy can usually be handled under a Chapter 13 Plan.
If you are not eligible for a Chapter 7 bankruptcy you are probably eligible to file a Chapter 13 bankruptcy petition. You will need to pay some money to the Court’s Trustee each month for 5 years. We will advise you of the amount of your monthly payments before you decide if you want to file. If you have significant debt that can’t be wiped out in a Chapter 7 bankruptcy this may be your best course of action. Your payments are likely to be less than the 25% of each paycheck that is taken out when a creditor garnishes you. You can download & print-out our In-take Form and call us to schedule an office appointment.
405 E 8th Ave #2600
Eugene, OR 97401