Portland Chapter 7 Bankruptcy Attorney
Get Expert Help with Your Chapter 7 Bankruptcy
Chapter 7 bankruptcy focuses on the discharge of unsecured debts, such as credit card debts and medical bills. If you are facing serious financial problems, there are times when filing for Chapter 7 bankruptcy may be the best way to save your assets or prevent years of debt. At Vanden Bos & Chapman, LLP we offer same-day appointments and have both business and consumer experience. When you need help with bankruptcy, we are the professionals to call.
Eligibility for Chapter 7 Bankruptcy
Before you can file under Chapter 7, you must take certain steps to show that you have tried to improve your financial situation. Certificates showing your completion must be presented to the court before your bankruptcy petition will be accepted.
Steps to take before filing a Chapter 7 bankruptcy include:
- Complete a consumer credit counseling consultation from an approved counseling agency
- Complete a personal financial management course from an approved counseling agency
- Determine if you pass the means test
Fulfilling all these requirements can be complicated and time-consuming. Working with a skilled Chapter 7 bankruptcy attorney in Portland from Vanden Bos & Chapman, LLP will help. We have been guiding clients through the process since 1981, and we are here for you as well.
What Debts Does Chapter 7 Not Discharge?
It is important to keep in mind that Chapter 7 debt does not discharge all your debt. There are a variety of financial obligations that are not affected.
A Chapter 7 filing does not discharge:
- Student loans
- Debts associated with driving under the influence of drugs or alcohol
- Some tax debts
- Child support payment debts
Want to learn more about filing for Chapter 7 bankruptcy in Oregon? Visit our Chapter 7 Frequently Asked Questions page for additional information.
Chapter 7 vs Chapter 13
The main difference between Chapter 7 bankruptcy and Chapter 13 bankruptcy is that Chapter 7 focuses on removing unsecured debt such as credit cards, medical bills, and personal loans while Chapter 13 discharges unsecured debt while also giving you time to get caught up on secured debts like your home mortgage or car.
Your compassion and understanding have really made swallowing our fate a bit easier.
“Ann: I know this is your business, but I can’t tell you what your guidance has meant to Pat and me through this bankruptcy process. Your compassion and understanding have really made swallowing our fate a bit easier. So, thank you. You have a thankless job at times but know we are so appreciative!”
Thanks again to Ann Chapman and the team there for their grace and their professionalism.
“Ann: Thanks again to Ann Chapman and the team there for their grace and their professionalism, courtesy, and excellent work at every turn.”
Your caring and listening ear really helped me through this.
“Ann: I wanted to send you a note and thank you for the support and help you have given to me over the past five years. Your caring and listening ear really helped me through this. I appreciate it so much. Going through bankruptcy was a learning experience for me. I know once I can find employment somewhere I will be OK with my spending. I am not perfect, but I am so much better.”
I think you are the best expert!
“Ann: I have to thank you again for all of your hard work, knowledge, time, and help you have provided me (getting through all this)! I truly appreciate what you have done. I think you are the best expert! I couldn’t have found anyone better.”
“Ann and her staff’s top-notch professionalism with an unexpected but very appreciated warm personal touch during a rough patch in our lives AND an experience that was based on a workable plan that now has become our daily habit as we close this chapter and move on into a brighter future. A triple-combination that delivers success! Thanks!”
We provide individualized, thorough representation clients deserve.
We are well-versed in all bankruptcy matters, from consumer to business affairs.
We have some of the most recognized and awarded bankruptcy lawyers in the state.
We offer same-day appointments to our clients.
We've been advocating for clients since 1981.