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Chapter 13 Bankruptcy: Vehicle Cram Down

January 9, 2014

Chapter 13 bankruptcy provides many tools for the reorganization of debt.  One such tool is what is known as “cram down.” Cram down allows the altering of the amount owed on a vehicle, provided the vehicle loan is more than 910 days old and that the loan is the original purchase money loan (no refinance…

Bankruptcy: Chapter 7 vs. Chapter 13

January 9, 2014

Consumers generally have two choices when it comes to filing bankruptcy: Chapter 7 bankruptcy or Chapter 13 bankruptcy.  This article explains each chapter. Chapter 7 bankruptcy, commonly referred to as the “liquidation bankruptcy,” is by far the most common type of bankruptcy.  From start to finish, this bankruptcy tends to last about 90 days, and…

Famous People Who Have Filed Bankruptcy

January 3, 2014

Millions of people have sought financial relief through bankruptcy, including U.S. presidents, entertainers, Captains of Industry, professional athletes, and other famous people.  If you are considering bankruptcy, you are not alone – you are in very good company. Below is a sample of some famous people who have filed for bankruptcy protection: Thomas Jefferson, 3rd President of the United States…

Suspended Driver’s License? – Consider Bankruptcy.

December 26, 2013

A person may have their license suspended due to traffic violations, such as for being an uninsured driver, having speeding tickets that go unpaid, and so forth. A license may even be suspended due to criminal fines. By filing a chapter 13 bankruptcy, a license can be reinstated almost immediately. I have helped clients reinstate…

Bankruptcy Hearing Location

December 26, 2013

Bankruptcy hearings, or “meeting of creditors,” are held at the Wayne Morse Federal Courthouse in Room 1900 for those individuals who file bankruptcy in the Eugene and surrounding area. The address of the courthouse is: 405 E 8th Avenue, Eugene, OR 97401. Chapter 7 hearings are usually held on Mondays and Chapter 13 hearings are…

Free Credit Reports – Yes, They Really Exist!

December 24, 2013

You can obtain free credit reports once a year from This website is a portal for the three major credit bureaus (Equifax, Experian, & Trans Union) in order to be compliant with the Fair and Accurate Credit Transactions Act (FACTA), which allows consumers to receive up to three free credit reports each year. There…

What Documents are Required to File Bankruptcy?

December 24, 2013

I request the following documents from my clients in order to prepare their bankruptcy petition:  * Last six months of pay stubs for each wage earner  * Proof of any other income received in the past 6 months (including child support, unemployment, worker’s compensation, rental income, pension, social security, etc.)  * Last…

Help! I’m Being Garnished! How Bankruptcy Can Help.

December 24, 2013

You’ve worked hard to earn your money. You receive your paycheck, and you notice that a creditor has garnished a part of your earnings. What can you do? This article sets forth the process of garnishment and how bankruptcy may help: 1. Garnishment: Once a creditor obtains a judgment against a person, that creditor can…

Eugene Bankruptcy Lawyer – Meet Tom Butcher

December 24, 2013

Meet a Bankruptcy Attorney: Tom Butcher “I focus primarily on bankruptcy law, both chapter 7 and chapter 13 cases, for consumers. I also practice foreclosure defense law. I try to make the process of bankruptcy as easy and as stress-free as possible for my clients. I am easy-going, down-to-earth, and genuine. After meeting with me,…

Welcome Federal Exemptions!

August 30, 2013

Oregon bankruptcy debtors now have two options when they file bankruptcy: they can elect to use Oregon Exemptions or Federal Exemptions when protecting property. (Exemptions are laws that protect property when a person files bankruptcy). Federal exemptions, most importantly, provide very liberal “Wild Card” exemptions, or exemptions that can be applied to any property. The…


The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship.


I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.

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