Are you dealing with phone messages and mail from debt collectors? Perhaps, you are feeling overwhelmed by it all, and you wondering what to do. Listen, people will get into to debt. However, when the debt is so high that that you are wondering how to pay the rent or put food on the table, you need to get legal help fast. You do not have to worry about answering the bill collector’s calls. In fact, the bill collector’s job is to try to get money from you. Your job is to provide a roof over your family’s head and to put food on the table. So, do that. Next, call a bankruptcy attorney in Portland. You will be glad you did.
Though debt can happen for a number of reasons, it does not matter if happened because of a job loss or large medical bills; the fact is that it did happen. It happened to you and your family. What you need to do is realize that there are laws to protect you. Those laws are in place, so that you can rebuild your life. In fact, in a Chapter 7 case, if granted, almost all of your debts can be wiped out. However, there are limitations. For example, student loans will not be wiped out. It is wise to discuss your case with a bankruptcy attorney in Portland. By doing this, he will tell you which debts will be covered if the Chapter 7 is granted.
Credit card debts are unsecured debts. Further, they will be covered under Chapter 7. However, it is important to list all of them in your case filing. If you fail to list a credit card, it will not be wiped cleaned if the case is granted. So, do not leave a creditor out of your case filing. Once your Chapter 7 has been granted, you will be on your way to rebuilding your life. That is truly something to be thankful about.