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answered on Jul 10, 2023
Because the likelihood is that if you don't have funds to immediately reinstate the loan you are not going to get anywhere with the lender and you will have to file a chapter 13 to stop the foreclosure and give you 60 months to pay back the amount that you are behind on the mortgage. People... View More 
My loan Is a 30 yr for @$250,000 in 2007, it was payed down to $44,000 by 2019, as it stands is I owe @$22,000, and have missed the last 6 payments, also the market property value is above $600,000, on two tax lots with condo development on the adjoining lots behind our property. I believe they are... View More
answered on Jul 10, 2023
Ultimately a Chapter 13 bankruptcy is the tool to stop the foreclosure. I would suggest contacting Michael O'Brien in Portland. Doesn't really matter what town you are in. He may be able to help short of filing a Chapter 13 as well.
when i took over my fathers estate the loan got sold to another company. the new com[any accepted 2 payments from me then denied me making payments for about a year, stating that i was not someone on the loan that could be talked to. it took me a long time to get the information from them that they... View More
answered on Sep 27, 2021
Dear Asker,
I would suggest someone in the debtor/creditor world who likes creative cases with a few complexities.
Options might be.
Keith Karnes,
Tim Eblen
Michael Obrien
You can google those names with "attorney" and you'll find... View More
I am about to be garnished for my full check for 2 and a half months.
I am wondering if I can apply for a loan to survive. If I get the loan I am okay. If I don't get the loan, will having applied for it prevent me from filing for bankruptcy?
answered on Aug 6, 2021
Dear asker,
Applying for a loan won't have any effect on your ability to file bankruptcy if you end up needing to do so.
answered on Feb 16, 2021
Hi,
The main question will be how much equity you have in the home. If you own half the equity then a bankruptcy attorney will be able to look at the value of your home and the amount owing against it and figure out how much home equity you personally have.
Many people are able... View More
answered on Feb 3, 2021
Yes: The trustee may encourage you to stop gambling if you have not already, but gambling debt is dischargeable just like any other unsecured debt.
An ex and I signed a lease for an apartment 2016, 3 months before the year was up we had to move out of state and didn't have the money to pay the rest of the lease. Of course there is an eviction on my credit (and probably his too). He and I broke up due to abuse and I have no idea where he... View More
answered on Jul 9, 2020
Dear Asker,
The good thing is that most of us (bankruptcy attorneys) provide free consultations regarding all types of debt issues. Based on your question there is a lot to discuss and brainstorm about and you will definitely come away feeling more empowered about this eviction situation... View More
What can I do and please tell me how to find FREE legal services in Portland Oregon? I'm asking for FREE services as my attorney took the money I had for filing my bankruptcy.
answered on Feb 14, 2020
Dear Asker,
If you can not get ahold of your attorney via her phone or email you can contact the Oregon State Bar about reaching out to her to resolve any misunderstanding or fee dispute. https://www.osbar.org/feedisputeresolution
You can call oregon legal aid to discuss... View More
answered on Feb 13, 2020
Yes - but I warn/highly encourage you to contact the foreclosure trustee or attorney and ask them for an up to date reinstatement quote when you are ready to reinstate and ask them for instructions as to where to send the reinstatement funds. If you just make a lump sum payment to the loan... View More
What problems will this cause my relative if I file.
answered on Feb 3, 2020
As long as the relative is making the payments it won't have any affect on them. You will no longer be obligated on the vehicle and they will just have to make sure and stay current on the payments.
When my mother passed away without a will, she was in bankruptcy and trying to avoid foreclosure. The bankruptcy has just been discharged, but the house wasn't in it so it is still subject to foreclosure. I want to keep the house & assume the loan, and have submitted documents establishing... View More
answered on Nov 10, 2019
Dear Asker,
You probably need a foreclosure/bankruptcy attorney's guidance, to assess the overall situation. The first thing to do is determine how much time you have absent any action on your part. You may have more time than you think or the lender may schedule a foreclosure sale... View More
I just learned that my grandma's house is in foreclosure and scheduled for auction in about a week and a half on 6/20/19 due to an unpaid loan. If she were to file for bankruptcy, would it take the house off the auction block?
I do own the vehicle outright, no liens. It is worth approximately $12k and I have approximately $32k of debt . I have been using this vehicle as my primary source of income through Uber and Lyft for over two years. Will the fact that I use this vehicle for work have any bearing on whether or not... View More
answered on May 7, 2019
In Oregon a debtor can use federal exemptions. You have a certain amount of vehicle exemption and then additional wildcard exemption. If you are not using a homestead exemption (because you rent your residence) then you likely have plenty to cover $12K of equity in a car. You can use the 4K... View More
My husband is on disability as well as our son. Our home is paid off but we are very behind on property taxes and the county has given my husband until the 22nd of this month to pay at least $4000.00 of the $13,000.00 he owes or they will get the foreclosure process started. Our home is in my... View More
answered on Sep 4, 2018
Dear asker,
As an attorney and member of the Oregon state bar who you have not hired I need to make you aware that the below information is the general thoughts I have on the topic without having met with your or reviewed any documents, etc. It is not specific advice and I am not your... View More
answered on Aug 20, 2018
Dear Asker,
I am broadening your question just to be on the safe side.
1) If nobody had a judgment lien against your house at the time you filed a bankruptcy then all of the debts that could have gone to judgment are discharged through the bankruptcy and nobody can get a lien... View More
Considering BK, but unsure if I can include mortgage for home in Texas that my ex-husband hasn't removed me from (it's been 7 years). Wondering if I can include it in a BK with other debts.
answered on Aug 3, 2018
Dear Asker,
While the divorce judgment has no power to alter your obligations to Wells Fargo, it does establish the obligations between you and your ex-spouse. If you file bankruptcy on the mortgage Wells Fargo will not be able to sue you or garnish your wages, but they will be able to... View More
I rent a forclosed home with a 1 year lease agreemwnt that ends in oxt on july 7th the sheriff auctioned the house nobody beat the credit bid so the bank owns it again obviously i no longer gave to oay my previous landord or do I? Furthermore if the house is in a desirable area but in a state of... View More
answered on Jul 25, 2018
First it is important to be quite sure that the house was actually auctioned. Receiving a notice of sheriff sale posted on the property with a date for the sale does not mean the sale actually happened. sales are often postponed or thhe owner files chapter 13 and brings the property out of... View More
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