Michael O’Brien’s Blog

A Brief Overview of Chapter 7 Bankruptcy Bankruptcy is a legal proceeding filed by a person or business struggling with debt and unable to settle monthly payments to their lenders.  It offers the deb...

American credit scores are still on the rise even as the pandemic continually affects us. Even without stimulus checks, the credit scores of Americans have continued to improve thanks to forbearance p...

It is no secret that declaring bankruptcy, facing eviction, or garnishment can lead to high levels of stress, which, if not treated properly can lead to more serious health problems. While it may be t...

Lifting the Oregon Eviction Ban As of July 1st, the Oregon ban on evictions for nonpayment of rent ended and Oregon tenants are now expected to pay rent or face eviction. Many Oregonian are still stru...

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...