quickly answered my questions and gave me a lot of useful information.Read More…

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Davenport & Hasson LLP

1.0

By roblee2016111

Courtney Allen Cross has violated the Fair Debt Collection Practices Act (FDCPA) and keeps harassing me and my family for debt that I have not acknowledged. Courtney A. Cross is an attorney at Davenport & Hasson LLP, which is potentially a scam law firm that works with scam collection agencies and fake collection agencies. Courtney A. Cross (WSBA Number: 34662) is currently being investigated and he has been reported to the Washington State Attorney General office and the Federal Trade Commission (FTC). Davenport & Hasson LLP 12707 NE Halsey St Portland, OR 97230-2343 Phone: (503) 255-5352 Fax: (503)255-6124 Possible scam law firm and possible fake law firm. Currently under investigation. Website: www.dhlaw.biz Email: cross@dhlaw.biz ...read more

Cascadia Disability Law

5.0

By Portland Disability Attorney

Cascadia Disability Law LLC is a group of Portland disability attorneys who represent people seeking disability benefits, including Social Security Disability (SSD, SSDI, DIB – Title II), Supplemental Security Income (SSI – Title XVI), Disabled Widow / Widower Benefits (WIB), Childhood Disability Benefits (CDB) and Department of Veterans Affairs Compensation, Pension, and Aid & Attendance benefits. We offer a free initial telephone or in-person consultation and there are no up-front legal fees, if we do not win you benefits there are no attorney’s fees. ...read more

Berkshire William C PC

5.0

By Jayden M. at Judy's Book

These are the best and provide excelent service. They are very hardworking team. ...read more

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What is a Chapter 7 and a Chapter 13 bankruptcy?

Chapter 7 • Commonly referred to as “Liquidation”, involves an orderly, court-supervised procedure by which a trustee takes over the assets of the debtor’s estate, reduces them to cash, and makes distributions to creditors, subject to the debtor’s right to retain certain exempt property and the rights of secured creditors.  • There is usually little or no nonexempt property in most chapter 7 cases and, therefore, there is often no liquidation of assets in chapter 7 cases. These cases are called “no-asset cases.” The debtor normally receives a discharge approximately 90 days after the petition is filed.   • If a debtor’s income is in excess of certain thresholds, the debtor may not be eligible for chapter 7 relief.  • Chapter 7 is available for individuals and corporations. Chapter 13   • Referred to in the Bankruptcy Code as “Adjustment of Debts of an Individual with Regular Income,” is designed for an individual debtor who has a regular source of income and is not available for corporations.   • Chapter 13 can be a better choice for an individual because it enables the debtor to keep valuable assets and allows the debtor to propose a plan to repay certain creditors over a period of 36-60 months. It is rare that a debtor will be required to pay 100% of their debts through a Chapter 13 plan. In many cases debtors are not required to pay any of their unsecured debts through their Chapter 13 plan.   • Chapter 13 is also available to debtors who do not qualify for chapter 7 relief. The debtor must make monthly payments to the chapter 13 trustee, who distributes the money to creditors according to the debtor’s chapter 13 plan, and the debtor does not receive a discharge until after the payments required under the plan are completed.  • The debtor is protected by the Court from all collection activity while the plan is in effect. Additionally, more types of debts are eliminated under chapter 13 than under chapter 7.  • Chapter 13 offers individuals an opportunity to save their homes from foreclosure. Individuals can stop foreclosure proceedings and may cure delinquent mortgage payments and/or property tax payments over time. Another advantage of chapter 13 is that it allows individuals to modify secured debts (other than a mortgage for their primary residence) and extend them over the life of the chapter 13 plan and possibly lower the payments. In some circumstances, judgment liens and junior liens can be completely removed from a debtor’s real estate.   • Chapter 13 also has a provision that protects co-signers from collection efforts while the debtor is in bankruptcy. ...read more

By Law Offices of Adam M. Weiner July 17, 2012

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