Frequently Asked Questions
Chapter 7 and Chapter 13 bankruptcy, garnishment, foreclosure, repossession, and tax debt.
Do you have questions about bankruptcy in Oregon? I’ve compiled the most commonly asked questions from clients here for your convenience.
Do you handle anything besides bankruptcy?
No — Wisehart Legal focuses exclusively on Chapter 7 and Chapter 13 bankruptcy. This lets us give every client focused, experienced guidance instead of splitting attention across unrelated areas of law. If your issue isn’t debt-related, we likely aren’t the right fit, and we’ll tell you that honestly.
Will bankruptcy really stop collection calls and garnishment?
In most cases, yes. Once you file, an automatic stay goes into effect that legally requires creditors to stop collection calls, lawsuits, and wage garnishment. Many clients notice the difference almost immediately.
Can bankruptcy stop a foreclosure?
Almost always. Filing Chapter 13 bankruptcy can pause a scheduled foreclosure sale and give you a structured way to catch up on missed mortgage payments over time.
Can I keep my car if I file bankruptcy?
In many cases, yes, under Chapter 13, where missed car payments can be rolled into your repayment plan. We’ll review your specific loan and situation to map out your best option.
What's the difference between Chapter 7 and Chapter 13?
Chapter 7 generally discharges qualifying unsecured debt relatively quickly and works best for people with little to no assets at risk. Chapter 13 reorganizes debt into a 3–5 year repayment plan and is often the better fit for people trying to keep a house or car while catching up on missed payments.
Can bankruptcy help with tax debt?
Some tax debt can be discharged or restructured depending on its age and type. This is one of the more nuanced areas of bankruptcy law, so it’s worth discussing your specific tax situation directly.
How much does it cost to file?
Costs vary based on the complexity of your case and the chapter that applies to your situation. We’ll walk through fees clearly during your free consultation — no surprises.
Will filing bankruptcy mean I lose everything I own?
No. Oregon exemption laws protect many types of property, and Chapter 13 in particular is designed to help you keep what matters most, like your home and vehicle.
How do I know if bankruptcy is right for me?
The best way to find out is a free, honest conversation. We’ll look at your income, debts, and goals, and tell you plainly whether bankruptcy makes sense — and if it does, which chapter fits your life.
Our Promise to You
We only practice bankruptcy law, so you’re not getting split attention. You’re getting focused advice, an honest read on your options, and a plan that fits your actual situation.
Still have questions? Call 503-894-4891 for a free consultation, or reach out through our contact page.