Bankruptcy

New parents are often well aware of the costs of initially having a child. Even if they just have to meet their deductible before health insurance will cover those costs, they may still have to pay thousands of dollars. They also need to buy a lot of supplies and...

The beginning of 2026 brought the end of government subsidies that made health insurance significantly more affordable for those who have been able to get health insurance thanks to the Affordable Care Act (ACA). Here in Oregon, that is through the Oregon Health...

Credit card debt is one of the more common reasons that people file for personal bankruptcy. Those relying on credit cards to bridge budgetary gaps may eventually accrue balances so high that even minimum monthly payments strain their budgets. After a successful...

Tax season can offer some relief, especially if you have been struggling with your family’s finances lately. Receiving the refund check can feel like a lifeline, but you might be wondering if filing for bankruptcy can affect this. Fortunately, you have options for...

There’s a lot of misinformation out there about bankruptcy. Unfortunately, it too often keeps people from using it to deal with overwhelming debt. People often fear, for example, that having a bankruptcy on their credit report will hurt their chances of getting a job...

You've spent years saving for your child's college education. Now, facing bankruptcy, you worry those funds might disappear. Fortunately, the good news is that your careful planning may not be lost. What is a 529 college savings account? First, let's clarify what...

You're sitting at your kitchen table late at night, sorting through bills while your kids sleep. You've been making difficult choices between groceries and debt payments and bankruptcy seems like your only option. But you're concerned about losing your credit cards...

Joint credit card debt can create confusion when bankruptcy becomes an option for one or both cardholders. You may wonder whether a bankruptcy filing wipes out the entire balance or leaves someone still responsible. The outcome depends on who files and which chapter...

Filing for bankruptcy can feel like hitting a financial reset button. While it gives you a chance to rebuild, you might be wondering how long you need to wait before you can buy a home again.  The answer is not one-size-fits-all, but understanding the general...