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.

For more information about bankruptcy, please click on the links below:

• Chapter 7
• Chapter 13
• Common Myths about Filing for Bankruptcy in Oregon and Washington
• Frequently Asked Questions about Filing for Bankruptcy in Oregon and Washington
• Why Should You Hire a Bankruptcy Attorney?
• Eliminating Second Mortgages through Chapter 13 Bankruptcy
• The Process of Filing for Bankruptcy in Oregon and Washington
• Things to Avoid before Filing Bankruptcy
• Stopping Home Foreclosure through Bankruptcy
• Typical Filing Fees to File for Bankruptcy in Oregon and Washington
• Filing for Bankruptcy: A Fresh Start
• How to Dispute False Credit Reports after Bankruptcy

“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.

Bankruptcy is supposed to give consumers a fresh start. In a Chapter 7 bankruptcy, the Court may discharge some or all of a consumer’s debts. Consequently, the way creditors report the account to the credit reporting agencies must change as well.

When the Bankruptcy Court Judge issues his or her final order discharging a consumer’s debts, discharged accounts will have the notation “Included in Bankruptcy.” However, the account balance becomes zero, improving a consumer’s debt-to-income ratio. Also, the account should not show other derogatory remarks resulting from non-payment after the discharge order is entered. Deleting high balances and derogatory remarks can improve a consumer’s credit score.

Disputing False Credit Reports after Bankruptcy

If this type of information is showing on your credit report, you can send a written dispute to the credit reporting agencies. If a creditor continues reporting amounts owing or that the account is past due, consumers may be able to bring a suit for damages under the Fair Credit Reporting Act. Below is a short description of the process for disputing false information on your credit report.

1. Get a copy of your credit report. While it is possible to access your credit report online, some credit reporting companies require consumers to give up important rights in order to access their credit report through their website. Also, it can be confusing navigating the many links to purchase services that you do not necessarily need. A better way is to request it by mail.

Consumers can request their free annual credit report by writing to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The request form is available at the annualcreditreport.com website.

2. Send a written dispute letter to the credit reporting agencies. Tell them that you filed for bankruptcy, and give them the bankruptcy court case number. List the specific accounts and account numbers which were discharged.

Send your letter via certified mail, with a return receipt requested. Keep a copy of your signed, dated letter, along with copies of enclosures.