Welcome to our Hillsboro, Oregon Bankruptcy Mini-Site!

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Welcome to our mini-website for Hillsboro, Oregon bankruptcy. The attorneys of Baxter & Baxter, LLP, are dedicated advocates for consumers. Baxter & Baxter, LLP, is a Pacific Northwest consumer protection law firm with offices in Oregon and Washington. To visit our firm’s main website, visit www.baxterlaw.com.

The Hillsboro Oregon bankruptcy attorneys, Oregon City bankruptcy attorneys,Portland Oregon bankruptcy attorneys, and Vancouver WA bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcy. Our mission of committed and zealous consumer advocacy is unrivaled, and our track record of excellence and professionalism is recognized nationwide.

The Oregon consumer protection lawyers of the Consumer Litigation Group represent individuals in cases with false credit reports, identity theft cases, unlawful debt collection cases, and consumer fraud cases.

This site includes an aggregation of news stories about business, finance, and politics that bears upon our consumer protection and bankruptcy practice. We hope you will find the stories interesting and useful.

“We are a debt relief agency. We help people file for relief under the Bankruptcy Code.”

Se Habla Español
Baxter y Baxter, LLP ofrece consultas de los consumidores y la quiebra de clientes que hablan español en nuestro Portland, Oregon oficina. Cuando llame para hacer una cita, por favor, pregunte por Kirsten Baxter. La Sra. Baxter representa a los consumidores en una variedad de casos, incluido el Capítulo 7 y el Capítulo 13 de bancarrota y los casos de protección al consumidor.

Record Foreclosures for 2010: Stopping Foreclosure in Bankruptcy

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The most recent foreclosure report from Realtytrac indicates that foreclosures in the United States have hit record levels in 2010.  This is all the more astounding, given the self-imposed moratorium on foreclosure proceedings by several of the major home lenders due to discrepancies in documentation.  Home owners facing default on their mortgage face a daunting decision: whether to make the next mortgage payment or not.

Filing for bankruptcy can be an option for home owners caught in this dilemma. It may allow the debtor to stop foreclosure and eliminate enough debt so that he or she can afford to keep the home. It may also allow the debtor to avoid high interest second mortgage payments under the correct circumstances (sometimes referred to “lien stripping”). Finally, it may afford the debtor the opportunity to walk away from the home without the uncertainty of attempting a short sale or facing a foreclosure proceeding.

The type of bankruptcy (Chapter 7 or Chapter 13) can affect a debtors options. Under Chapter 7, the debtor does not have to make payments during the pendency of the bankruptcy case. However, at the time the case is closed or discharged, the debtor must have enough money to become current on the loan. Otherwise, the debtor may face a new foreclosure proceeding at the end of the bankruptcy. In the alternative, the debtor can simply abandon the home and at the same time discharge the mortgage, including any second mortgages.

In the debtor files for bankruptcy under a Chapter 13 repayment plan, the plan lets the debtor pay off the late payments, including late payments over the duration of the repayment plan. The benefit of filing for Chapter 13 bankruptcy, compared with Chapter 7, is that the debtor gets to keep their home and get current on the mortgage over the life of the plan, instead of being required to become current on the date of discharge.

Filing for Chapter 13 bankruptcy may also allow a debtor to “strip” or eliminate the payments on your second or third mortgage. When the value of the home is less than the outstanding balance of the first mortgage, the Bankruptcy Court may remove the lien created by the second mortgage, and effectively convert the second or third mortgage into unsecuritized debt. Unsecuritized debt takes last priority in the repayment plan, and often does not have to be paid back at all.

In conclusion, though the economy has shown signs of recovery, millions of homeowners still find themselves out of work and unable to make their monthly house payments. If a debtor is facing foreclosure, he or she should consider the benefits of filing for bankruptcy as an option in staving off a foreclosure proceeding. In many cases, the homeowner will be able to keep his or her home.

Baxter & Baxter, LLP
8835 S.W. Canyon Lane, Suite 130
Portland, Oregon 97225
Telephone (503) 297-9031
Facsimile (503) 291-9172

Baxter & Baxter, LLP
5635 NE Elam Young Parkway, Suite 300
Hillsboro, Oregon 97124 USA
Telephone (503) 681-9752
Facsimile (503) 291-9172

Baxter & Baxter, LLP
1101 Broadway Street, Suite 213
Vancouver, Washington 98660
Telephone (360) 574-5239
Facsimile (360) 326-1613

www.baxterlaw.com

Baxter & Baxter, LLP | Hillsboro, Oregon Bankruptcy

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Waxler Immigration Law, LLC

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Waxler Immigration Law, LLC
Portland, Oregon

Today I am writing about a colleague and friend of mine, Sherilyn Waxler. Sherilyn, who is married to a law school classmate, has an outstanding reputation in our legal community as a competent litigator, and a zealous advocate for immigrants’ rights.

Sherilyn handles a wide array of immigration matters, including Citizenship and naturalization, Family based visas, Waivers, Visas for Crime victims and victims of domestic violence,
Employment-based visas, Deportation and removal, and Detention.

I think one aspect that gives Sherilyn a greater connection to her clients and her work is her personal history abroad. From her website “Although she has been a U.S. citizen since birth, she has personal experience as an immigrant. She was born in Australia, grew up in England, and returned to the United States in 1993. She attended an International School in England with people from all over the world. The experience of living as an expatriate has left Sherilyn with a passion for helping people with their immigration issues.” Like Sherilyn, my being born abroad has left me with a deep and abiding appreciation of all this country has to offer, and the greatness of the American dream.

Sherilyn is on the short list of referrals our firm makes, and we happily send our clients, friends and family to her for advice and representation in immigration matters.

You can contact Sherilyn Waxler at:

Waxler Immigration Law, LLC
3939 NE Hancock Street
Portland, OR 97212
(503) 281-0990
www.waxlerlaw.com

Best regards,
Justin Baxter
Baxter & Baxter, LLP

Beauvais Law Firm

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Danielle Beauvais
Hillsboro, Oregon

Today, I am writing about Danielle Beauvais. In the interest of full disclosure, I should mention that Danielle is our landlord, and we sublet our Hillsboro office from her. Even before we had a professional relationship with Danielle, however, we were referring cases to her because of her reputation for outstanding results for her clients, and her strong advocacy in consumer protection legislation.

Danielle’s practice focuses on warranty claims under the Oregon Lemon Law. She represents consumers who have purchased new cars only to find that they are habitually breaking down, and can’t be repaired by the dealer or manufacturer.

Not only has Danielle represented scores of consumers in her practice, she has actively worked with the Oregon legislature to improve consumer protection laws. From her website “In 2009, Danielle Beauvais worked with Senator Suzanne Bonamici, Chair of the Oregon State Senate Consumer Protection Committee, to introduce legislation to amend the Oregon Lemon Law to increase the protection of Oregon consumers. Prior to the amendment, the Oregon Lemon was one of the worst in the country. Danielle sat on a senate sub-committee to review each provision of the statute. She also testified in the legislature as to the need of the amendment, opposed by representatives of nine auto and RV manufacturers. In June 2009, the amended lemon law went into effect. As a result, more cases now qualify for the Lemon Law, and finance charges are added to any refund given to consumers.”

You can contact Danielle at:

Beauvais Law Firm
5635 NE Elam Young Pkwy, Suite 300
Hillsboro, OR 97124
(503) 681-2008
www.golemonlaw.com

Best regards,
Justin Baxter
Baxter & Baxter, LLP

Brian Scott Wayson | Brown + Wayson, LLC

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Brian Scott Wayson
Brown + Wayson, LLC
Portland, Oregon

Today, I am writing about a friend and colleague of mine, Brian Wayson. His law firm, Brown + Wayson, LLC, handles social security disability (SSD), supplemental security income (SSI), disabled widow/widower (DWB) and childhood disability (CDB) benefits.

Brian has a great connection with his clients. From his website he reveals his “Zeal for assisting people with the Social Security Disability claims. Brian has seen the results of this system first hand – starting with his own mother while he was still attending law school. Despite her terminal cancer, brain tumor, heart condition and seven operations his mother repeatedly was denied Social Security Disability benefits – only being allowed benefits after a former North Carolina governor interceded on her behalf.”

After law school, Brian worked for the highest volume social security disability law firms in Portland. His new practice focuses on providing the same high level of legal representation, coupled with the more individualized, personal service that a small firm can provide. They represent people on a contingent basis, which is a terrific service given that most people seeking to hire a lawyer to represent them in their disability claims can ill afford to hire an attorney.

Brian’s firm is on our law firm’s short list of referrals for social security claims. I have no hesitation about referring clients to Brian and Aviva.

You can contact them at:

825 NE 20th Avenue
Suite 320
Portland, Oregon
www.brown-wayson.com

Best regards,
Justin Baxter
Baxter & Baxter, LLP

Melissa Chureau

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Melissa Chureau Law
Portland, Oregon

Today I am writing about a friend and colleague of mine, Melissa Chureau. Melissa is a former Multnomah County Assistant District Attorney who has established her own private law practice in Portland, Oregon, Chureau Law, LLC. Her practice focuses on providing Employment Advice & Litigation, Licensing and Administrative Hearings, DUII & Criminal Defense, and Victim Advocacy.

From her website, “Melissa assists individuals and businesses in distress, and finds innovative and beneficial solutions for difficult legal situations, with integrity and with results. Melissa concentrates her practice on employment advice and litigation, victim advocacy, and criminal defense.” Melissa serves as a Board Member for the Oregon Women Lawyers Foundation, and an active member and volunteer in Oregon Lawyers for a Sustainable Future, as well as Lewis & Clark Law School Mentor Program, the Classroom Law Project, and the Gus J. Solomon Inn of Court.

I have personally referred clients to Melissa who have sought out services that do not fit neatly into our consumer litigation practice. I whole heartedly recommend her as an attorney and legal advisor.

You can contact Melissa at:

Chureau Law, LLC
7825 SW 36th Avenue, Suite 202
Portland, OR 97219
www.chureaulaw.com

Best regards,
Justin Baxter
Baxter & Baxter, LLP

Jason Skelton Portland Oregon

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Jason Skelton
Heiling Dwyer
Portland Oregon

Today I am writing about a friend and colleague of mine, Jason Skelton. Jason is a top notch personal injury attorney with the Portland, Oregon law firm Heiling Dwyer & Associates. Jason and his firm handle Personal Injury Claims, Vehicle Collisions, Premises Injuries, Product Defects, Worker’s Compensation, Insurance Claims, Wills and Probate, Contracts, Real Estate Sales and Disputes, Corporations and Partnerships, and General Litigation.

One of the great things that Jason brings to his practice is his experience on the other side of the bar. From his website: “For the first years of his legal career he defended insurance companies in personal injury cases and insurance policy disputes. During this time he learned how insurance companies evaluate and defend claims, which helps him advise his clients as he represents them against the insurance companies.”

Jason is also a great cyclist and community activist. I first got to know Jason on the 100 mile Reach the Beach charity ride. A hundred miles on a bike is a lot of time to get to know a guy. Jason and his firm are on the short list of referrals for cases that we don’t handle.

You can contact Jason at:

Heiling Dwyer & Associates
1220 SW Morrison, Suite 820
Portland, OR 97205
(503) 274-0404

http://www.heiling.com/

Best regards,
Justin Baxter
Baxter & Baxter, LLP

Baxter & Baxter on Facebook

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We’ve relaunched our Facebook page, with a separate page for the Hillsboro, Oregon office.

Baxter & Baxter, LLP – Professional Services – Hillsboro, OR | Facebook

Hillsboro Office

Our Hillsboro, Oregon office is located in central Hillsboro. We serve consumers in Hillsboro, Aloha, Forest Grove, North Plains, Scholls, Sherwood, Cornelius, and the Washington County communities.

Baxter & Baxter, LLP
5635 NE Elam Young Parkway, Suite 300
Hillsboro, Oregon 97124
(503) 681-9752

P&G’s Profit Drops 49%

Procter & Gamble posted a sharply lower profit for its fiscal second-quarter reflecting higher commodity costs and a hefty write-down for past acquisitions, including its $57 billion megadeal for Gillette.
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UPS Changes Accounting Method

United Parcel Service said it will record an $827 million pretax charge in the fourth quarter as it changes the way it accounts for gains and losses in its pension plans.
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Bankruptcy Attorney Vancouver WA

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Welcome to our mini-website for “Bankruptcy Attorney Vancouver WA.” The attorneys of Baxter & Baxter, LLP, are dedicated advocates for consumers. Baxter & Baxter, LLP, is a Pacific Northwest consumer protection law firm with offices in Oregon and Washington. To visit our firm’s main website, visit www.baxterlaw.com.

The Vancouver WA bankruptcy lawyers, Portland Oregon bankruptcy attorneys, Oregon City bankruptcy lawyers, and Hillsboro bankruptcy attorneys of the Baxter & Baxter, LLP, represent individuals in Chapter 7 and Chapter 13 bankruptcy. Our mission of committed and zealous consumer advocacy is unrivaled, and our track record of excellence and professionalism is recognized nationwide.

This site includes an aggregation of news stories about business, finance, and politics that bears upon our consumer protection and bankruptcy practice. We hope you will find the stories interesting and useful.

Call (360) 574-5239 to speak with a Bankruptcy Attorney in Vancouver WA today!

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Can I file an Oregon Form 40P?

Question from John January 27, 2012 at 11:08am Richard, My wife has always worked in Washington and I have always worked in Portland. I finally got fed up, and sold my house in June. Beginning July 2011, began commuting to Vancouver for my new F/T job. Neither of us have voted in Oregon since May 2011. We didn't move...

Question from John

January 27, 2012 at 11:08am

Richard,

My wife has always worked in Washington and I have always worked in Portland. I finally got fed up, and sold my house in June. Beginning July 2011, began commuting to Vancouver for my new F/T job. Neither of us have voted in Oregon since May 2011.

We didn't move to Vancouver until December 1, 2011 (we rented in Tualatin from June to November). Can we claim Washington Residency and file a 40P in Oregon? I know I'm safe from DOR's reach in 2012, but what about 2011?

We no longer own any real estate in Oregon and our Oregon Driver's Licenses will be swapped for Washington's in February.

Answer:  John - My training and experience is in Federal Tax Law.  I need to refer you to the Oregon Department of Revenue for help with your question.  You can contact the Oregon DOR at www.oregon.gov/DOR.

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Easements

Question from Merrill January 27, 5:57am Richard, Thanks for your advice on my easement question. It helps a lot in determining the tax situation. I didn't know about Publication 551. Thanks again. Answer:  Merrill - Easements can be a bit complicated, but you had the key facts and figures.  I am glad that you found the answer helpful.  ...

Question from Merrill

January 27, 5:57am

Richard,

Thanks for your advice on my easement question. It helps a lot in determining the tax situation. I didn't know about Publication 551. Thanks again.

Answer:  Merrill - Easements can be a bit complicated, but you had the key facts and figures.  I am glad that you found the answer helpful.

 

Need tax help? Send in your tax questions to Richard Panick, IRS media relations specialist.

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