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Best Bankruptcy Attorneys in Bend

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Albertazzi Law Firm logo
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Albertazzi Law Firm

296 Southwest Columbia Street, Bend, OR 97702
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  • Chapter 13 Bankruptcy

Business Description

Albertazzi Law Firm offers bankruptcy consultations to individuals in Bend. Its owner, Anthony Albertazzi, is a bankruptcy lawyer who is well-versed in chapters 7, 11, and 13 of the Bankruptcy Code. One of his notable cases is that of the Delaware Annex, a historic building in Bend. The firm's legal team was able to preserve it and became involved in a new law in the area of bankruptcy reorganization, which was established based on this case.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
4.3 / 5 (17)
Avvo
5.0 / 5 (7)
Yelp
2.0 / 5 (4)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Baxter Harder, LLC logo
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Baxter Harder, LLC

404 Southwest Columbia Street, Bend, OR 97702
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Baxter Harder, LLC, handles bankruptcy cases in Bend and the surrounding areas. The firm's team of bankruptcy lawyers help clients choose which type of bankruptcy suits them depending on their current financial status. Chapter 7 bankruptcy eliminates debt by selling off some assets to cover debts, while chapter 13 involves creating a repayment plan covering a three- to five-year period. Other areas of the law that the firm handles are criminal defense, family law, and estate planning.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (161)
Avvo
5.0 / 5 (74)
Yelp
4.0 / 5 (7)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jonathan S. Pritchard Law Office, PC logo
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Jonathan S. Pritchard Law Office, PC

327 Northwest Greenwood Avenue, Bend, OR 97701
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  • Debt Settlement

Business Description

Jonathan S. Pritchard Law Office, PC has been providing debt relief assistance to Bend residents for over 25 years. Its bankruptcy lawyer helps debtors understand their legal options, including the bankruptcy filing process. His legal consultations seek to determine clients' eligibility for bankruptcy applications and aid in choosing the best options if filing for bankruptcy isn't the best option. He strives to help clients start fresh and reclaim their financial situations. This firm also handles pre-bankruptcy planning.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Law Office of Paul Heatherman logo
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Law Office of Paul Heatherman

250 Northwest Franklin Avenue, Bend, OR 97701
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Headquartered in Bend, the Law Office of Paul Heatherman provides assistance to clients seeking a bankruptcy attorney to resolve their financial issues. The firm works to assist clients through legal procedures relevant to bankruptcy cases including filing, creditor negotiation, interest rate reduction, and mitigation of repossessions and foreclosures. The law office handles Chapter 7 and Chapter 13 bankruptcies which involve wage garnishments and debt repayment, respectively. Heatherman entered private practice in 1995 and also provides legal services in areas such as real estate and personal injury.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (111)
Avvo
5.0 / 5 (17)
Facebook
5.0 / 5 (3)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
McCord & Hemphill, Attorneys at Law logo
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McCord & Hemphill, Attorneys at Law

65 Northwest Greeley Avenue, Bend, OR 97701
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

McCord & Hemphill, Attorneys at Law is a team of bankruptcy lawyers in Bend with over 50 years of law experience. The partners, Michael B. McCord and Brian T. Hemphill, handle Chapter 7 and Chapter 13 bankruptcies, collection of debt, and foreclosures. A Chapter 7 bankruptcy involves selling properties to pay off debts, while a Chapter 13 provides a repayment plan that usually allows the debtor to keep their properties. Additionally, the team covers business law, estate planning, and civil disputes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Michael D. O'Brien & Associates, P.C. logo
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Michael D. O'Brien & Associates, P.C.

45 Northwest Park Place, Bend, OR 97701
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Michael D. O'Brien & Associates, P.C. has been helping individuals and businesses in filing bankruptcy claims. Apart from handling Chapter 7 and Chapter 13 bankruptcy cases, the law practice also provides foreclosure defense, asset protection, and consumer protection. The law firm is comprised of lawyers Michael D. O'Brien and Theodore J. Piteo, who are two out of the only three American Board-certified consumer bankruptcy specialists in the State of Oregon. Michael D. O'Brien & Associates, P.C. has offices in Portland, Clackamas, and Bend.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Oregon Fresh Start logo
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Oregon Fresh Start

750 Northwest Charbonneau Street, Bend, OR 97701
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Oregon Fresh Start is a law firm in Bend that deals with bankruptcy issues. With more than 40 years of legal experience as a bankruptcy lawyer, Dale L. Smith has assisted over 11,000 Oregonians in debt relief and credit counseling matters. This attorney is well-versed in Chapter 7 and Chapter 13 bankruptcy regulations, representing clients in bankruptcy courts. He seeks proper documentation of bankruptcy exemptions prior to filing and helps clients navigate the legal system. Moreover, he provides financial management assistance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (9)
The Law Office of Andrew Harris logo
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The Law Office of Andrew Harris

327 NW Greenwood Ave., Ste. 101, Bend, OR 97703
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Andrew Harris is based in Bend and offers legal support for various bankruptcy issues. The firm handles Chapter 7 bankruptcies, which covers unsecured debts, wage garnishments, and mortgage security. The bankruptcy lawyer also provides services on Chapter 13 bankruptcies, which include debt consolidation and prevention of repossessions and foreclosures. Harris has been practicing law since 1996 and entered private practice in 2010. He previously served as a federal attorney and has experience handling domestic and consumer law cases in Chicago.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Avvo
4.8 / 5 (11)
Google
5.0 / 5 (9)
Yelp
5.0 / 5 (2)
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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