Oregon Procedures Re: Redemption of Personal Property are a set of rules that guide the process of an individual reclaiming property that has been repossessed by a creditor. This procedure applies to any debtors or creditors involved in a repossession of personal property within the state of Oregon. The two types of Oregon Procedures Re: Redemption of Personal Property are Self-Help Repossession and Voluntary Surrender. In Self-Help Repossession, the creditor can take possession of the collateral without first obtaining a court order. In Voluntary Surrender, the debtor agrees to the repossession of the property and voluntarily gives up possession of the property to the creditor. Once the repossession has occurred, the debtor can redeem the property by making the full payment of the debt owed to the creditor. The debtor must also pay any fees associated with the repossession, such as storage and transportation costs. If the debtor fails to redeem the property within 30 days, the creditor may proceed to sell or otherwise dispose of the property. The Oregon Procedures Re: Redemption of Personal Property also outlines the procedures for the creditor if they choose to pursue a lawsuit against the debtor. The creditor must serve the debtor with a summons and complaint, and the debtor must then file an answer to the complaint with the court. The court will then decide whether the creditor is entitled to a judgment against the debtor for the amount of the debt. If the creditor is awarded a judgment, they may then proceed to enforce the judgment by garnishing wages or seizing the debtor’s assets.