Legal Blog | Portland Bankruptcy Lawyer | Bend, Clackamas & Portland, OR

Michael O’Brien’s Blog

Legal Blog about Bankruptcy in Oregon

Learn more about the bankruptcy process in Oregon through our legal blog. Call us to schedule a case evaluation with our Portland bankruptcy lawyer and get legal help filing bankruptcy in Bend, Clackamas, Portland, and surrounding areas in Oregon.

Several light-colored wooden cubes with individual letters are scattered on a white surface. In the center, seven cubes are arranged to spell out the word "CREDIT." The image visually represents the concept of credit, financial standing, or credit reporting.

Credit Lock vs. Credit Freeze

What is the difference between a credit lock and a credit freeze?   You might have heard about these terms, credit freeze and credit lock. You’ve probably read them online

A person is holding a magnifying glass over a red upward-pointing arrow, which is positioned next to a burlap money bag labeled "BANKRUPTCY." The background is dark, drawing focus to the foreground elements on a wooden table. The image symbolizes examining financial trends related to bankruptcy, potentially looking for a way out or understanding the progression of financial distress.

When Should You Declare Bankruptcy?

Knowing Your Options in Solving Debt Problems Almost everyone has debts. Even a whole country borrows from an international fund or from other countries to sustain their needs. But not

A man in a suit is seated at a table, gesturing with one hand and holding a pen, appearing to explain something on a document. A woman across from him looks distressed, holding her head with one hand. An open notebook, colorful pens, and a whiteboard are in the background of what appears to be an office setting. The image conveys a serious discussion, possibly legal advice or a difficult financial conversation.

How to Qualify and File for Chapter 7

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. 

A smiling young Black couple is seated at a kitchen table, looking at a laptop together. The woman is typing on the keyboard, while the man has his arm around her, both appearing happy and engaged. The bright, modern kitchen is visible in the background. The image conveys themes of shared activities, digital engagement, and domestic happiness.

American Credit Scores on the Rise

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

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