Clackamas Bankruptcy Attorneys
Affordable Clackamas Bankruptcy Attorneys
Nationally Certified Consumer Bankruptcy Attorneys in Clackamas, Oregon
We serve Clackamas, Oregon City, Happy Valley, Gresham, West Linn, Milwaukie, Estacada, Canby, and Sandy.
Are you struggling financially with your personal finances or small business? Our Clackamas bankruptcy attorneys can help you! Michael O’Brien and Theodore Piteo are 2 of only 3 attorneys in the State of Oregon who have been nationally certified by the American Board of Certification as Consumer Bankruptcy specialists. Clackamas bankruptcy attorneys Mr. Piteo and Mr. O’Brien have been practicing for over two decades and have helped literally thousands of Oregonians obtain real debt relief through bankruptcy. Many clients over those years have come to Mr. O’Brien from Clackamas, Happy Valley, Gresham, West Linn, Milwaukie, Estacada, Canby, and Sandy. Now, in an effort to provide a higher level of service to these clients and to others similarly situated, Michael D. O’Brien and Associates has opened an office in Clackamas.
Are you thinking about filing for bankruptcy in Oregon? It is not unusual to feel overwhelmed by the bankruptcy process, laws and regulations, the wide array of bankruptcy types to choose from, and above all, uncertainty about your future. Filing bankruptcy does not need to be so scary, in fact, our Clackamas bankruptcy attorney can show you how it can make things easier for you. If you find yourself facing garnished wages and bills, the threat of losing your home, or repossession of properties, bankruptcy may allow you to discharge those debts and will prevent creditors from pursuing you for future legal action or collections.
Michael D. O’Brien and Theodore Piteo, the skilled bankruptcy attorneys of Michael D. O’Brien & Associates, have over two decades of experience helping individuals and families in Oregon get out of debt and achieve financial freedom by stopping foreclosures, ending wage garnishments, and preventing car repossession. Our Clackamas bankruptcy attorneys offer affordable services and always make it a point to establish a personal relationship you so you can stop worrying and start planning for your future.
Clackamas Bankruptcy Office in Central Oregon
Get Help From Our Clackamas Bankruptcy Lawyers
Our highly accomplished Oregon bankruptcy lawyers both love the outdoors and the High Desert in particular. Appreciating the lifestyle that Clackamas has to offer, they engage in activities such as hiking and river trails. That is why, our Clackamas bankruptcy attorneys are equally comfortable meeting you in a Courtroom, near the Salmon River Trail, or other hiking trails in Clackamas!
If you are seeking immediate relief from insurmountable debt, bankruptcy gives you a way to relieve this pressure. By working with our bankruptcy lawyers in Clackamas, OR, you benefit from their wealth of expertise and warm personalities. You can always expect to meet with our Clackamas bankruptcy attorneys face to face and have your questions answered.
We understand that financial difficulties can give you a hard time, which is why choosing between Chapter 7, Chapter 11 or Chapter 13 bankruptcy is not taken lightly. In fact, Mr. O’Brien and Mr. Piteo educate their clients on both bankruptcy and non-bankruptcy alternatives to solve financial problems.
We have handled clients with mortgage related problems, personal accounting issues, and even home payment disputes who have utilized federal tools established by the Real Estate Settlement Procedures Act and the Truth in Lending Act. Mr. Piteo has developed a highly respected consumer practice to overcome abusive creditor practices through tools under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Nationally-Certified Bankruptcy Specialists
We are proud to share that our Clackamas bankruptcy lawyers Mr. O’Brien and Mr. Piteo are nationally-certified as Consumer Bankruptcy Specialists by the American Board of Certification. This is the nation’s premier legal certification organization which means that our attorneys are experts in every aspect of the consumer bankruptcy process . Whether you want to keep your business, maintain your properties and assets, deal with child support obligations, or minimize the impact on credit scores, our bankruptcy attorneys in Clackamas, Oregon work closely with you to understand your goals and develop a personalized bankruptcy strategy that won’t hurt your pockets.
Types of Bankruptcy and Alternatives
The first step in your bankruptcy decision is to decide on why type of bankruptcy to file. At this stage, we can provide you with valuable counsel to help you choose the best decision that is appropriate to your situation. It is even possible that you may not need to declare bankruptcy at all. Our Clackamas bankruptcy attorneys will explain to you the different types of bankruptcies and how the process works.
Chapter 7 bankruptcy, also known as liquidation bankruptcy, is the most common, and perhaps quickest, type of bankruptcy filing. It involves selling your assets to pay off your debts through a process called liquidation. If you are planning to file for Chapter 7, a Clackamas bankruptcy lawyer will guide you on how to liquidate your assets, while always striving to not lose ANY assets in the process. We will also work with the Court so that your debts can be reduced or cancelled.
Chapter 13 bankruptcy is designed for those who do not want to liquidate their assets and have enough income to pay back their debts over time. When you file for Chapter 13, lenders cannot pursue collections against you as our Clackamas bankruptcy attorneys negotiate new payment terms that allow you to discharge debts. Although this may take longer that a Chapter 7 filing, it allows you to preserve your assets and credit score.
Chapter 11 bankruptcy is for corporations or small businesses struggling to keep their companies afloat. When you file Chapter 11, you can restructure your debts through a reorganization plan that must be approved by their creditors and the bankruptcy Court.
Alternatives to bankruptcy are also available if you feel that bankruptcy is not the best option for you. This may include selling off some of your assets or working directly with your creditors to develop new payment plans. Our bankruptcy attorneys from Clackamas, Oregon strive to pursue bankruptcy alternatives whenever possible. We have extensive experience in debt negotiations, debt settlement, and even debt defense. Depending on your situation, our Oregon bankruptcy lawyers may help you avoid bankruptcy altogether.
FACING COMPLEX DEBT PROBLEMS?
Whether you’re dealing with overwhelming debt, stopping foreclosure or repossession proceedings, or looking for a way to protect your assets, our Clackamas bankruptcy attorneys are here to help you overcome your financial hurdles!
Help is Here: Affordable Bankruptcy Attorney in Clackamas OR
Michael D. O’Brien & Associates, PC is proud to serve clients in Clackamas, Oregon City, Happy Valley, Gresham, West Linn, Milwaukie, Estacada, Canby, and Sandy from our Clackamas office. Whether we are strolling around Little Crater Lake, going through the Salmon River Trail River, or Ramona Falls Trail, we are your fellow community members and will meet you wherever you are. Michael D. O’Brien & Associates are committed to developing long-lasting, personal relationships with all of our clients. We will give your case the individualized attention it deserves and put together a strategy which accounts for your unique situation. When you work with Michael D. O’Brien & Associates, you get a custom bankruptcy solution that will help you get back to financial stability.
If you live inClackamas, Bend, Portland, or nearby areas and are considering bankruptcy, call the expert Clackamas bankruptcy attorneys of Michael D. O’Brien & Associates at 503-852-9047 to schedule an appointment today.