Michael O’Brien’s Blog

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,...

It is highly unlikely – but not impossible – that you can challenge the garnishment as improper.  Except in very rare circumstances, a garnishment cannot be issued until a creditor obtains a “J...

The first step is to pick up the phone.  Every garnishment issued in Oregon will have the name of the creditor and a phone number to call.  Call them up and talk. Before telling them the garnishment...

Yes.  On Oregon wage garnishment can last for up to 90 days and while active your employer is required to take a portion of your earnings and send it to your garnishing creditor.  If you have not do...

Under Oregon law, a creditor garnishing your wages must provide you a copy of the garnishment but not in advance of delivering the garnishment to your employer or payroll service.  Usually a garnishm...

Maybe.  If one of the garnishments is from a state or federal taxing agency, or a Court order, then you may be subject to more than one garnishment.  However, generally only one Oregon Wage Garnishm...

The American Institute of Bankruptcy Attorneys has recognized the exceptional performance of Oregon’s Attorney Michael D. O’Brien as Five Years 10 Best Bankruptcy Attorney for Client Satisfaction....

It should come as no surprise that income matters when considering bankruptcy.  Yes, it is possible to make too much money to file bankruptcy. Every bankruptcy filing must be made in “good faith”...