We understand the stress and anxiety that being in debt brings. People want to pay their bills, but the unexpected, such as illness and unemployment, can make that task impossible. Often a garnishment is the tipping point, taking you from barely holding on to feeling like you’re drowning.

Eblen Freed can help you get your head above water again. Bankruptcy provides you relief from your creditors, stopping harassing debt collectors, collection calls and most types of garnishment. A bankruptcy may even prevent foreclosure or repossession, allowing you time to catch up on late payments for your home or automobile. In addition, Oregonians are now allowed to use federal exemptions to protect their assets in a bankruptcy. This change means that most people will be able to file a bankruptcy without the risk of losing any assets.

We are experts in debtor/creditor law, and Michelle has filed hundreds of personal bankruptcies. We offer a free initial consultation where we can discuss your financial situation in detail, the applicable bankruptcy laws, and give you a recommended course of action. While filing a bankruptcy is often a good option, it is not the only one. We will take the time to discuss your options, so that you can decide what is right for you.


Chapter 7

As long as you meet certain income requirements, and have not recently received discharge from another bankruptcy you will probably qualify to file a Chapter 7 bankruptcy. Typical Chapter 7 bankruptcies in Oregon last approximately 4 months from start to finish, giving you a fresh start and relief from your debt in a relatively short period of time.

Chapter 13

A Chapter 13 is a partial to full repayment of creditors. This Chapter can be filed if you do not meet the income requirements of a Chapter 7, or wish to catch up on late payments on a home or automobile. A Chapter 13 can also give you time to catch up on tax debt, and past due child support. A Chapter 13 lasts 3-5 years.

To learn more general information about bankruptcy, please visit our Bankruptcy Resources page.

Eblen Freed is a debt relief agency. We help people file for relief under the bankruptcy code.