Bankruptcy

Personal Bankruptcy Attorney

Stop Collection Calls, Get Credit Card Debt Relief, and Much More

WE ARE A DEBT RELIEF AGENCY.  WE HELP PEOPLE FILE FOR BANKRUPTCY RELIEF UNDER THE BANKRUPTCY CODE.

At the law offices of David W. Schermer, Attorney at Law, we understand that even the most responsible people may sometimes find themselves in financial crises. When this happens, federal bankruptcy law can provide a "fresh start” to hard working and honest people who face economic difficulties.

I have worked as an Oregon bankruptcy attorney for more than 25 years, and I will be happy to discuss your financial options with you and help you decide whether to file bankruptcy. My offices are conveniently located in West Linn, south of Portland, and are easy to access from Highway 43 and Interstate 205.

I help people from Oregon City, Lake Oswego, Gladstone, Milwaukie, Canby, Molalla, Wilsonville, Estacada, and elsewhere in Clackamas County and Multnomah County. Contact us to set up an appointment.

What You Should Know about Bankruptcy

The most common causes of personal bankruptcy are job loss and overwhelming health care expenses. Credit card debt can also be a source of financial problems - and credit card companies often only add to the trouble by raising interest rates or tacking on additional finance charges.

Generally, two bankruptcy options exist for individuals:

Chapter 7 Bankruptcy

• Subject to a few exceptions, it eliminates all unsecured, dischargeable debts, including credit card debt.
• Allows you to keep certain assets, such as your car or home.
• STOPS all creditor collection activities, including harassing phone calls, home foreclosures, repossession, and wage garnishments.
• Puts an automatic stay on all lawsuits and other adversary actions.

Chapter 13 Bankruptcy

• Can save your home from foreclosure by giving you years to pay the mortgage arrears.
• Allows you to pay off consumer debts, including secured debts such as unpaid taxes, with affordable payments over a three to five year period.
• STOPS creditor collection activities, including harassing phone calls, home foreclosures, repossession, and wage garnishments.
• Puts an automatic stay on all lawsuits and other adversary actions.
  You may not be able to choose the type of bankruptcy you want. In 2005, Congress passed a law that made it necessary to undergo a "means test" before you can be approved for a Chapter 7 bankruptcy. Essentially, you must earn under the median income level for Oregon to qualify.

Experienced Bankruptcy Attorney

If you choose to file bankruptcy, an attorney with experience is a must. Since I became a lawyer in 1978, I have helped hundreds of individuals make a financial fresh start by filing for bankruptcy. I practice in federal and state court, including federal bankruptcy court, and I have longstanding relationships in the legal community. I can help you maximize the financial benefits and protections to which you are entitled under the United States Bankruptcy Code.

Personal Service

We offer a personalized approach to solving your financial problems. Bankruptcy petitions can sometimes seem simple, but many cases have subtleties that should be evaluated by a lawyer, one issue at a time. If you select me to assist you, I will handle all aspects of your case from start to finish. You deserve an experienced bankruptcy attorney for all of your issues, and your case will never be turned over to a paralegal or assistant.

In short, if you hire me as a bankruptcy attorney, I will take on all of your legal burdens relating to your finances. I will work through the means test process, keep track of filing schedules, work with bankruptcy trustees, defend your debtor's rights, and keep you informed the entire way.

Reasonable Fees

When you are helping people make a fresh start, you can't expect them to pay large fees. I keep all bankruptcy fees reasonable, and in most cases offer one fixed fee for a routine bankruptcy.

Contact Us

If you are experiencing serious financial difficulties, call our office today at (503) 657-9002 or email us to set up a consultation with an experienced bankruptcy attorney. We are here to help.

From law offices in West Linn, Oregon, bankruptcy attorney David W. Schermer serves people in Oregon City, Lake Oswego, Gladstone, Milwaukie, Canby, Molalla, Wilsonville, West Linn, Estacada, and elsewhere in Clackamas County and Multnomah County.

David W. Schermer, Attorney at Law
21790 Willamette Drive
West Linn, OR  97068
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Phone: (503) 657-9002
Fax: (503) 656-2667
Email

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.