Oregon General Relief From Stay Procedures are a set of rules and regulations that provide relief from foreclosure proceedings for borrowers in the state of Oregon. These procedures are designed to help borrowers who are behind on their mortgage payments and facing foreclosure. The procedures involve a series of steps, including applying for foreclosure relief, filing a motion for relief from stay, and attending a hearing. The two types of Oregon General Relief From Stay Procedures are Chapter 12 Relief and Chapter 13 Relief. Chapter 12 Relief is for borrowers who have a mortgage with a balance that is equal to or less than the Fair Market Value (FMV) of the property. This relief is temporary and requires the borrower to make monthly payments to the lender in order to stay in the home. Chapter 13 Relief is for borrowers who have a mortgage with a balance that is greater than the FMV of the property. This relief is permanent and allows borrowers to keep their homes by restructuring their mortgage payments in order to pay off the balance over time. Both Chapter 12 and Chapter 13 Relief are designed to help borrowers stay in their homes and avoid foreclosure. They both involve filing a motion for relief from stay and attending a court hearing. The court will decide whether to grant relief based on the borrower’s financial situation and ability to make payments.