Law Office of Jeffrey Totten

Information may not be reliable

Welcome to the Law Office of Jeffrey Totten

You may have heard that the bankruptcy laws changed and that now it is harder to file for
bankruptcy. This is true. Most people, however, can still file a Chapter 7 bankruptcy and
get a discharge of most debts. There are now a couple more hurdles to jump over before
you can receive this discharge and it will be more expensive than it once was...but despite
these changes it may still make sense for you to consider filing bankruptcy to help improve
your financial situation.

The new hurdles are a Credit Counseling course that must be completed before filing and
a Debtor Education Class that must be completed before you can receive a discharge in

People who make more than the median income in Oregon may (depending on their
expenses and debts) now be prohibited from Chapter 7 bankruptcy filings. However, even
if you fall into this category, a Chapter 13 (payment plan) bankruptcy filing may help you.

So, DESPITE the changes in the law, it may still be a good idea to consider bankruptcy.
Contact the Law Office of Jeffrey Totten for a Free initial consultation.

Disclaimer:The information provided on this site is for informational purposes only. This information should not be
construed as formal legal advice or as forming an attorney-client relationship. "Debt Relief Agency" - The
Law Office of Jeffrey Totten may be considered a "debt relief agency" under the new bankruptcy laws. The
Law Office of Jeffrey Totten helps people file for bankruptcy relief under the Bankruptcy Code.

search words: jeff, jeffrey, totten, jeffrey totten, lawyer, law, attorney, bankruptcy, bankrupt, bankruptcy attorney, oregon bankruptcy attorney, portland bankruptcy
attorney, oregon bankruptcy lawyer, portland bankruptcy lawyer, bankruptcy lawyer portland oregon, bankruptcy attorney portland oregon, multnomah bankruptcy
attorney, multnomah bankruptcy lawyer, multnomah, 7, 13, Chapter 7, Chapter 13, Chap 7, Chap 13, Chapter 7 lawyer portland, Chapter 7 lawyer oregon, low rates, evening,
evening appointments, payment plans, plans, downtown, weekend, weekend appointments, free, free appointment, free initial, free consultation, free initial consultation,
best, best bankruptcy attorney, best bankruptcy lawyer, washington, clackamas, family, personal, injury, portland, oregon, jtottenlaw, jtottenlaw.com