Consumer Bankruptcy Attorney in Eugene, Oregon

Butcher Law Office, LLC handles consumer bankruptcies filed by individual parties and married couples who are looking to free themselves from serious debt problems. Bankruptcy provides a financial fresh start from which you can begin rebuilding your future. It wipes the slate clean and allows those who find themselves facing foreclosure, lawsuits, or repossessions, a viable foundation on which to build their financial future.

Anyone can face major financial turmoil. All it takes is an unforeseen illness, a serious injury, or the loss of a major revenue stream and you can find yourself owing more money than you’re earning. Chapter 7 and Chapter 13 bankruptcy provide individuals and families a way to stop creditors from seizing your income and the ability to take control of their financial situation. In this article, we’ll discuss how bankruptcy can help you out of a difficult situation.

Who is Consumer Bankruptcy For?

Consumer bankruptcy is for those who, for whatever reason, require a financial fresh start. The law recognizes that bankruptcy is necessary for the functioning of a healthy economy. It is in the economy’s interests to allow people, in certain situations, to discharge their debts entirely and begin anew. Consumer bankruptcy, simply put, provides a way out.

Those who come to my office often have had something unforeseeable go wrong in their lives. This includes a sudden medical event, the loss of a job, or a serious injury that prevents them from working. Just because they’re no longer bringing in money doesn’t mean that their expenses go away. Nor do their financial obligations to their car lender or mortgage lender go away. They’re then hit with threatening letters saying that the bank is going to foreclose on their home, that their car is going to be repossessed, or they’re going to be facing lawsuits from creditors. If the creditor wins the lawsuit, and they almost always do, then they can garnish their wages, levy their bank account, or place liens on any real estate they own, including their homestead.

To prevent this, harassing phone calls, and other aggressive means of collecting a debt, you can file for bankruptcy. After your bankruptcy has been filed all attempts to collect the debt must immediately stop. From there, you can plan your next move without having to worry about your wages being garnished or your home being foreclosed on. At the very least, it will buy you some time.

How Butcher Law Office Helps Those in Substantial Debt

Anyone can find themselves in an unmanageable financial situation. When you come in for your free initial consultation, Tom will sit down with you and we will discuss your current financial situation. This will help us determine if Chapter 7 or Chapter 13 is the best option for you. We may also consider other options available to individuals who are facing foreclosure, car repossession, tax issues and more.

Our aim is to leave you in a much better financial situation than you were in before. For many Americans, debt spirals out of control until they’re facing lawsuits, wage garnishments, and property liens. A skilled consumer bankruptcy attorney can prevent that from happening.

For those who qualify for Chapter 7, we ensure that you receive a full discharge of all eligible debts. We will also take a look at your assets and protect them from liquidation using state and federal exemptions.

For those who do not qualify under Chapter 7 or won’t benefit as much from a Chapter 7 as they would a Chapter 13, your bankruptcy attorney will devise a repayment plan that is both within your means and allows you to discharge some of your non-priority debt. For Chapter 13 clients, we create a plan that is both manageable and likely to be approved by the bankruptcy court.

Will I Qualify for Bankruptcy?

Yes. You may not be eligible for a specific chapter of bankruptcy, but there will be a bankruptcy chapter available to you. Many individuals who come to our site are unsure whether or not they should file for bankruptcy or not. During your free hour-long consultation with Tom, he will analyze your situation and determine what, if any, chapter of bankruptcy is right for you. There is no obligation to move forward.

Find a Eugene, OR Bankruptcy Attorney

If you’re considering filing a consumer bankruptcy either as an individual or jointly as a married couple, Butcher Law Office, LLC can help you through the process and will stand beside you every step of the way. Unlike larger bankruptcy firms that treat you as a case and not a person, we understand how stressful financial problems are and will act as your tireless advocate through every phase of the process. Call today to schedule a free consultation.