Affordable Bend Bankruptcy Attorneys.
Nationally certified bankruptcy lawyers open new offices. Michael O’Brien and Theodore Piteo are 2 of only 3 attorneys in the State of Oregon who have been nationally certified by the American Board of Certification as Consumer Bankruptcy specialists. Mr. O’Brien has been practicing for 21 years and has helped literally thousands of Oregonians obtain real debt relief through bankruptcy. Many clients over those years have come to Mr. O’Brien from Bend, Redmond, or Prineville. Now, in an effort to provide a higher level of service to these clients and to others similarly situated, Michael D. O’Brien and Associates has opened an office in Bend.
If you are thinking about filing for bankruptcy, you may be feeling overwhelmed by the numerous bankruptcy laws and regulations, the choices in front of you, and, above all, uncertainty about your future. Bankruptcy does not need to be so scary, however; the right bankruptcy attorney can help you make bankruptcy work for you. If you find yourself facing garnished wages and bills or debts that you cannot afford, bankruptcy may allow you to discharge those debts and will prevent creditors from pursuing you for future legal action or collections.
Michael D. O’Brien and Theodore Piteo, the skilled bankruptcy attorneys of Michael D. O’Brien & Associates, have decades of combined experience helping Oregonians get out from under the weight of debt and move on with their lives. Our affordable services will give you a personal relationship you can count on and a bankruptcy strategy you will feel confident in, so you can stop worrying and start planning for your future.
Law office in Central Oregon
Not only are Mr. O’Brien and Mr. Piteo highly accomplished and recognized bankruptcy attorneys, they both love the outdoors in general and the High Desert in particular. Whether it’s hiking, rafting, snowshoeing, skiing or biking, these lawyers appreciate the special lifestyle that Central Oregon has to offer. These are bankruptcy attorneys who are equally comfortable meeting with you in a courtroom or at the trailhead.
Bankruptcy is designed to afford immediate relief from the pressure of debt collection and these bankruptcy lawyers have the experience and expertise to help you navigate through the frequently rough waters to achieve your goals. But aside from technical know-how, it is really the personality and considerate nature that sets Michael D. O’Brien and Associates apart. You can expect to meet with Mr. O’Brien or Mr. Piteo in person to establish that face to face rapport necessary to give you confidence that your unique concerns are being considered and your questions are being answered.
The bankruptcy lawyers at Michael D. O’Brien & Associates understand that financial difficulties can cause real headache and heartache and the decision to file for bankruptcy is not taken lightly. That is why Mr. O’Brien and Mr. Piteo strive to educate their clients on non-bankruptcy alternatives to solve a problem. Mr. O’Brien has extensive experience with mortgage related problems and the bewildering accounting that frequently accompanies a home payment dispute and utilizes federal tools established by the Real Estate Settlement Procedures Act and the Truth in Lending Act. Mr. Piteo has developed a highly respected consumer practice to help people overcome abusive creditor practices using tools under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Due to these highly focused legal skills, both Mr. Piteo and Mr. O’Brien are frequently called upon to assist the clients of other bankruptcy attorneys who face such problems.
Nationally-Certified Consumer Bankruptcy Specialists
Both Mr. O’Brien and Mr. Piteo are certified as Consumer Bankruptcy Specialists by the American Board of Certification, the nation’s premier legal certification organization. We are experts in every aspect of the consumer bankruptcy process and will keep you informed about your options every step of the way, so you can always make the decisions that work best for your needs. Whether you are trying to maintain ownership of major assets, deal with permanent obligations like child support, or minimize the impact on your credit score, we will work closely with you to understand your goals and develop a bankruptcy strategy to help you achieve them.
Types of Bankruptcy and Alternatives
One of the most important decisions when you are considering bankruptcy is determining which type of bankruptcy is right for you or whether you even need to declare bankruptcy at all. The two main types of consumer bankruptcy are Chapter 7 and Chapter 13. Both offer different approaches to taking care of your debt, and which one is best for you will depend on the nature of your debts and assets, as well as your financial goals.
Chapter 7 bankruptcy involves selling off your assets to pay off your debts, also known as liquidation. It is the most common type of bankruptcy, in part because it is also the quickest process. When you file for Chapter 7, we will help you navigate the liquidation of your assets and in almost every case our clients do not lose ANY assets. We will also work with the court so that your debts can be reduced or cancelled.
Chapter 13 bankruptcy is a good option if you have assets that you do not want to liquidate and some income with which you can pay off your debts over time. When filing for Chapter 13, creditors are prohibited from pursuing collections against you while we negotiate new payment terms that allow you to discharge your debts. Although this is a longer process than Chapter 7, it may help you preserve your assets and your credit score.
Alternatives to bankruptcy generally include selling off some of your assets on your own and working directly with your creditors to develop new payment plans. We strive to pursue bankruptcy alternatives whenever possible and have extensive experience negotiating with creditors, in addition to handling common consumer problems like abusive creditor practices and confusing mortgage agreements. Depending on your situation, we may be able to help you avoid bankruptcy altogether.
Help is Here: Affordable Bankruptcy Attorney in Bend
The attorneys of Michael D. O’Brien & Associates are proud to serve clients in Bend, Redmond, and Prineville from our Bend offices. Whether we are skiing at Mt. Bachelor, hiking the Pacific Coast Trail, or rafting on the Deschutes River, we are your fellow community members and will meet you wherever you are. Michael D. O’Brien & Associates are committed to developing long-lasting, personal relationships with all of our clients. We will give your case the individualized attention it deserves and put together a strategy which accounts for your unique situation. When you work with Michael D. O’Brien & Associates, you get a custom bankruptcy solution that will help you get back to financial stability.
If you live in Bend, Redmond, or Prineville and are considering bankruptcy, call the expert bankruptcy attorneys of Michael D. O’Brien & Associates at 541-981-5010 to schedule an appointment today.
Get the answers to your bankruptcy questions locally in Bend, OR
Let the experienced legal team at Michael D. O'Brien & Associates in Bend, Oregon help you today.