Michael O’Brien’s Blog

Mortgage Accounting Explained If you are an Oregon homeowner concerned with staying current on your mortgage then this series is for you. Today we are going to talk about mortgage accounting I will be...

5 Quick Tips to Avoid Foreclosure Few words that start with F are as worrisome as the word “foreclosure.”  There is nothing gentle or happy about that word but the reality is that good honest peo...

In many cases, the best option to deal with overwhelming unsecured and secured debts is to file for bankruptcy. Although a bankruptcy petition can remain on your credit report for several years, its n...

Successful Defense of Stay of Relief Motion in Portland, ORA chapter 13 debtor successfully defended a motion for relief from the automatic bankruptcy stay with the help of Michael D. O’Brien, our r...

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 or have seen them on televi...

Lawyers Can Help You With Debt Settlement When you have overwhelming debt, it can feel like there will never be an end to it. This is a serious problem that will not typically go away on its own, espe...

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 everyone can or...

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...