Chapter 13 Bankruptcy Oregon For Business
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FAQ
Background. A chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years.
If you would like to file a Chapter 7 bankruptcy you must pass the Oregon means test. The test only applies to higher income filers which means that if your income is below the Oregon median for your household size you are exempt from the test and may file a Chapter 7.
Chapter 13 is a special part of the bankruptcy law. It lets you file a payment plan and gives you a way to repay all or part of your debts while protecting you or your co-signer from claims by creditors. The plan essentially sets out your debts and says how you intend to pay them.
During the entire bankruptcy process you must be honest and as accurate as possible in the information you put in your petition and with your answers to questions. You may wonder whether you need an attorney in order to file bankruptcy. The law does not require you to have an attorney.
Get Your Filing Fee The filing fee for Chapter 7 bankruptcy in Oregon is $338. Usually, it's a good idea to file your bankruptcy case when you can pay in full, even if it means waiting a little longer to file. But if you're facing wage garnishment or foreclosure, you may want to file quickly.