Practice Areas

Alan G. Seligson, P.C. is a dedicated bankruptcy law firm that helps families obtain debt relief and protect their assets. We represent clients who are filing for Chapter 7 or Chapter 13 bankruptcy in the State of Oregon. We also help our clients pursue alternatives to bankruptcy, including debt negotiation and settlement. Finally, we may represent a limited number of creditors to protect their rights in bankruptcy proceedings. Call our office today for a free phone consultation.

Bankruptcy & Asset Protection

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Sometimes bankruptcy may be the only way families with excessive debt can get a fresh start on their finances. A dedicated Eugene bankruptcy attorney can help you put an end to garnishments and other penalties and help you understand what your legal options are for getting relief from overwhelming debt.

It’s not unusual for families who are declaring bankruptcy to be concerned about losing their homes or their vehicles, especially if they are already behind on their payments. The good news is that depending on your exemptions and what kind of bankruptcy you file, you may not have to give up any of your assets. We can answer your questions about how you can protect your property during bankruptcy proceedings and make sure you’re doing everything possible to protect your assets. In some cases, we have helped clients declaring bankruptcy remove second mortgages from their property.

By declaring bankruptcy you can look forward to seeing all of your dischargeable debt wiped out. Dischargeable debts include unsecured loans, medical bills, past due utility bills, credit card balances, and certain income taxes under limited circumstances. It’s important to note that some debt, including most taxes and student loans, fines associated with a criminal conviction, or debt related to child or spousal support payments may not be dischargeable by filing under Chapter 7 or Chapter 13 bankruptcy. However, sometimes you can catch up on payments owed for child support, taxes, or other financial obligations, including missed car or mortgage payments, under a Chapter 13 Plan of reorganization.

We want to demystify the bankruptcy process for you and help you hit restart on your financial situation. We can guide you through every step of the bankruptcy process while protecting your rights and your interests at the same time. We also offer a free phone consultation to discuss your financial situation, and if you are concerned about fees, we will do our best to work with you in establishing a flexible payment plan, if necessary and practical.

Chapter 7 Bankruptcy

If you are eligible, filing for Chapter 7 bankruptcy can be a fairly quick and easy way to get rid of dischargeable debt. When you file for Chapter 7, all of your creditors will be informed about your case and be legally required to halt collection activity. Your case will be assigned a bankruptcy Trustee who will evaluate whether you may be required to sell any of your property. Chapter 7 has traditionally been known as a liquidation because in theory the Trustee may sell, or liquidate, certain assets in order to help pay part of the debts owed to creditors. However, in most cases debtors aren’t required to sell anything and can eliminate their dischargeable debt within a few short months of filing bankruptcy.

Also, families at risk of losing their homes often may find it easier to obtain a mortgage loan modification after filing for Chapter 7 bankruptcy. We can advise you as to what your legal options are if you are facing non­judicial or judicial foreclosure in the State of Oregon. Before you decide to move out of your home, give a deed in lieu of foreclosure, participate in a short sale, or allow your property to be sold at foreclosure sale, talk to a knowledgeable bankruptcy lawyer about what options are available to you. Call our Eugene office to learn more about Chapter 7 bankruptcy and determine whether it may be the right solution for you and your family.

Chapter 13 Bankruptcy

Eligible families who file for Chapter 13 bankruptcy relief have the opportunity to restructure their payments to creditors under the terms of a three­-to-­five year repayment plan. Once this time period elapses, any remaining dischargeable debt is erased and the case is closed. Individuals filing for Chapter 13 enjoy the same benefits as those declaring Chapter 7 including the immediate stop to garnishment of wages or bank accounts, tax levies and liens, vehicle repossession or home foreclosure, and harassing phone calls from creditors and collections agencies.

Individuals and families may choose to file for Chapter 13 bankruptcy in order to protect property that might otherwise be subject to liquidation in a Chapter 7 bankruptcy, or because they don’t qualify for Chapter 7 due to their income level or a recent Chapter 7 bankruptcy. One advantage of Chapter 13 is that it allows you to catch up on past due mortgage payments over this three-­to-­five year time period and retain ownership of your home. Also, declaring Chapter 13 can stop a vehicle repossession and help debt-­strapped individuals make affordable payments to pay off past­-due tax debt and child support arrearages. You may even be able to make modifications to existing secured loans and alter the terms of repayment on this debt as part of the filing process. But most importantly, Chapter 13 may allow you to remove or “strip off” a second or third mortgage from your home, as well as remove judgment liens. During your initial free phone consultation, one of our staff members will gather the necessary financial information so Mr. Seligson can tell you what else you may expect as part of the Chapter 13 process based on the information you provide.

Debt Negotiation

Sometimes there are other options for dealing with insolvency besides bankruptcy. A debt negotiation attorney can help you come to an agreement with creditors or collection agencies. There are a couple of different approaches to debt negotiation, or debt settlement. For instance, creditors may consent to settle a debt if a debtor is able to offer them a portion of the total amount as an upfront lump sum. In other cases, debtors can sometimes persuade creditors to accept lower payments on either a short term or a long term basis. By consulting a debt negotiation lawyer before contacting your creditors, you’ll be in a better position to safeguard your rights and your assets while getting the best deal possible. Contact Alan G. Seligson, P.C. to get advice about debt negotiation and whether it may be a viable alternative to declaring bankruptcy.

Legal Representation for Creditors During Bankruptcy Proceedings

It sometimes may be important for creditors to retain legal representation during bankruptcy proceedings in order to recover as much of their money as possible. Generally the law is fairly straightforward about what debt is dischargeable, but in some cases a debt may not be dischargeable if it was obtained by fraud or other means. We help creditors protect their rights during Chapter 7 and Chapter 13 bankruptcy proceedings and work with bankruptcy Trustees and the debtors’ attorney to ensure that our clients are protected.

At Alan G. Seligson, P.C., we may represent unsecured and secured creditors who find themselves involved in a pending bankruptcy case. Federal bankruptcy law can be very complex where consumer bankruptcy issues are concerned, and by positioning yourself to protect your interests sooner rather than later, you’re more likely to get a favorable outcome. With more than 20 years experience in representing creditors in bankruptcy court, we can advise whether it may be cost effective to hire an attorney to protect your interests.

Contact an experienced Eugene bankruptcy attorney today at (541) 338-8500 or fill out the online form provided here.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
This website provide general information only. It is not intended to be legal advice or a legal opinion regarding any specific issue or factual circumstance. Also, while the information on this website is updated often, new developments, events and facts may arise to affect the content; therefore, no guarantee is given that the information provided in this website is correct, complete or up-to-date. Alan G. Seligson, P.C. assumes no liability or responsibility for any errors or omissions in the content of this website.
Alan G. Seligson, P.C.