Michael O’Brien’s Blog

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...

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...