Michael O’Brien’s Blog

Protecting homeowners during the COVID-19 pandemic is one of the key components of the CARES act. For Oregonians who have fallen behind, or are struggling to keep afloat with their mortgage payments, ...

Time heals all wounds – even bad debt.  Credit reports are important but beware the “credit score.” Although it is debatable that time, does in fact, heal all wounds.  It is certain that time ...

By order of Governor Kate Brown, the eviction ban in Oregon which was set to expire on September 30th has been extended through December 31st.   However, this new executive order (No. 20-56 for tho...

The pandemic and resulting economic slowdown have put many people at risk of losing their housing.  The Oregon legislature has provided some protections for Oregonians who have been economically imp...

Oregon PROHIBITS rental evictions thru September 30th Oregon’s governor just signed into law an emergency bill that takes effect immediately and stops evictions in this State thru at least September...

Oregon Stops Foreclosures thru AT LEAST September 30th Oregon’s governor just signed into law an emergency bill that takes effect immediately and stops any foreclosure in this State thru at least Se...

Under Oregon law, a Wage Garnishment can last up to a maximum of 90 days from when it is delivered.  It will stop earlier than that if the debt is paid in full. Unfortunately, there is no restriction...

Way too long to ignore.  For non-governmental judgments, they last for 10 (yep, ten) years.  And, so long as the creditor files a renewal prior to the expiration of that ten-year term, it is renewed...

If you set up a payment plan, a creditor will often want you to authorize direct payments from your bank account.  Talk to your bank to make sure that once you give that authority you can stop the au...

At the outset we need to distinguish between “civil” lawsuits and “criminal” lawsuits.  This information pertains to civil lawsuits only and, since we are lawyers who help with debt problems,...