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Medford, OR Bankruptcy FAQs

• Where do I file for bankruptcy in Medford, Oregon?

  If you live in Medford, you should file for bankruptcy at the Eugene Division of the United States Bankruptcy Court - District of Oregon. The Eugene office is located at 405 E 8th Ave #2600, Eugene, OR 97401.

• Where can I get bankruptcy forms in Medford, Oregon?

  You can download the forms for your Medford bankruptcy case at the Forms section of the United States Bankruptcy Court - District of Oregon website at https://www.orb.uscourts.gov/forms.

• For a Medford bankruptcy case, how many copies of legal documents should one submit to the court?

  In a Medford bankruptcy proceeding, one only needs to submit the original of each legal document to the court. For personal records, it's wise to maintain a second copy. If a stamped copy marked with the filing date is desired, include an additional copy with a self-addressed, prepaid envelope if sending by mail. For motions or pleadings filed within three days prior to a hearing, the judge's chambers should be promptly notified by phone to ensure the documents are reviewed.

• Why should one consider filing an emergency bankruptcy in Medford?

  Filing an emergency bankruptcy in Medford primarily makes the automatic stay provision applicable. This protection halts most creditors from pursuing further collection attempts, offering a temporary reprieve from actions like a vehicle repossession or a home foreclosure. It's critical to know, however, that bankruptcy law will mandate you to participate in a court-endorsed credit counseling course unless certain exceptions apply. A certificate from this class, obtained at least a day before the bankruptcy filing, will be required.

• What are the advantages and requirements of filing an emergency chapter 13 bankruptcy in Medford?

  In Medford, filing an emergency chapter 13 bankruptcy offers a structured repayment plan to address debts while shielding the filer or co-signer from creditor claims. It's a viable option when consumer credit counseling or a chapter 7 liquidation doesn't suffice. Before filing, one must complete the same credit counseling required for chapter 7. No income verification is necessary, but the individual must have a steady income to meet the trustee's monthly payments under the plan.

• What are the associated costs of filing for bankruptcy in Medford?

  In Medford, bankruptcy filing involves two types of expenses: court filing fees and lawyer charges. Chapter 7 filing fees total $338, while chapter 13 amounts to $313. If the filing fee presents a financial burden, installment payments or fee waivers may be available. Attorney fees vary; for a chapter 7 case, the costs typically range from $1,170 to $1,500, depending on the case complexity, location, attorney rapport, and expertise.

• In Medford, why is it difficult to discharge tax debt through a chapter 7 bankruptcy filing?

  Discharging tax debt through chapter 7 bankruptcy in Medford can be challenging as it's classified as an "unsecured debt." Unsecured debt is a loan type that lacks collateral or tangible assets backing the debt. However, there are exceptions if specific criteria are met:

  • The tax assessment is older than 240 days.
  • The filing took place over two years ago.
  • There were no fraudulent activities or attempts at tax evasion by the taxpayer.
  • The tax return due date surpassed three years.