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Federal & State Bankruptcy Exemptions: Household Goods & Furnishings

July 28, 2014

As discussed in the last post, exemptions are laws that protect your property when you file for bankruptcy relief. Most people get to keep all of their property when they file a chapter 7 bankruptcy because of the protections afforded by exemptions.  This post will extend the discussion of bankruptcy exemptions, and highlight one particular…

Bankruptcy Exemptions: Tools of the Trade

July 28, 2014

When filing for bankruptcy, a consumer is afforded numerous exemptions, or laws that protect a person’s property. These exemptions help to protect a homestead, livestock, household goods and furnishings, vehicles, and other property.  There is an exemption that protects tools of the trade as well.  This post will detail the tools of the trade exemption,…

Don’t Pay Mom or Dad Back! File Bankruptcy First!

July 4, 2014

Outside the context of bankruptcy, this is a very strange notion: don’t pay Mom or Dad back – file bankruptcy first. But this has some very real world consequences. I usually see an uptick in people paying back their relatives around tax season, when people get their tax refunds. But this could prove potentially disastrous…

Divorce Debts & Bankruptcy: What is Covered & What is Not

July 2, 2014

Certain divorce debts are non-dischargeable in bankruptcy, meaning they do not go away. Other divorce debts may be dischargeable in bankruptcy. This posts details how bankruptcy and debts related to divorce interact. CHAPTER 7 BANKRUPTCY & DIVORCE DEBTS A chapter 7 bankruptcy, or a “liquidation” bankruptcy, has little effect on divorce debts. Virtually all obligations…

What to Bring to Your Free Bankruptcy Consultation in Eugene

June 27, 2014

I offer free bankruptcy consultations, both for Chapter 7 bankruptcy and Chapter 13 bankruptcy, in Eugene or by phone.  These bankruptcy consultations generally last about 30-60 minutes, and I review a consumer’s financial situation through a series of questions I ask and I discuss how bankruptcy may benefit the consumer, either a Chapter 7 bankruptcy…

There’ll Be a New Trustee in Town

June 25, 2014

Longtime Chapter 13 Trustee Fred Long (who covers the Eugene Region of the District of Oregon) will be retiring in several months.  There is now a search committee at the United States Trustee, a division of the Department of Justice, looking for qualified applicants to fill this position. The Chapter 13 Trustee’s job, along with…

Bankruptcy Myths Debunked: Part 2

June 21, 2014

There are many persistent myths and misconceptions surrounding bankruptcy.  In an earlier post, I addressed 5 such myths and misconceptions.  This post will discuss an additional five myths and misconceptions that may surround bankruptcy. MYTH 1:  If You Are Married, You Must File Bankruptcy With Your Spouse:  This myth is untrue.  An individual spouse may choose…

New Office Mascot – Bruce the Bankruptcy Beta Fish

June 20, 2014

Bankruptcy Myths Debunked: Part 1

June 20, 2014

There are many myths about bankruptcy floating around.  Some are based on a kernel of truth, while others are flat-out incorrect.  I will dedicate several posts to debunking some of the most common misconceptions and myths about bankruptcy. MYTH 1:  The “Medical Bankruptcy”:  There is no specific bankruptcy for medical debt per se. Medical debt is general…

Important Questions to Consider at Your Bankruptcy Consultation

June 20, 2014

There are many important questions that are addressed at a bankruptcy consultation.  Below are a few questions I answer for clients during our free in-office bankruptcy consultations. 1.  Should I File Bankruptcy?  This is by far the most important question.  At my free bankruptcy consultation, I will review with you your financial situation and if…


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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