To avoid becoming a scam victimregard any call or email that asks any personal, business or financial information including a request to verify information as a possible scam!
Any legitimate callers or emailers will be willing to assist you in verifying that their calls or emails are legitimate. If they are pushy, anxious, evasive, or demanding when you ask questions or don't want to help you verify their identity or business legitimacy - they are scammers!
Here are the steps you need to take right from the start.
Some really good news for Oregon Debtors facing bankruptcy. Governor Kitzhaber has signed SB396 into law and
Oregon debtors now have the opportunity to elect federal exemptions or
Oregon exemptions when filing bankruptcy. SB396 reversed the 30 year
ban on use of federal exemptions in Oregon bankruptcy cases. The bill
can be used in all
bankruptcy cases filed after July 1, 2013.
In addition, there has been added to the already existing Oregon exemptions a new exemption for
Health Savings Accounts in an unlimited amount.
Oregon driver's insurance policies must offer a minimum of:
Bodily injury and property damage liability
$25,000 per person; $50,000 per crash for bodily injury to others; and
$20,000 per crash for damage to others property
State law also requires every motor vehicle liability policy to provide:
Personal injury protection (for reasonable and necessary medical, dental and other expenses
incurred up to 1 year after the crash) $15,000 per person. (Coverage for lost wages up to $3,000 a month for up to one year is also part of PIP and is in addition to the medical coverage.
As 2011 draws to a close some of you are still stunned by the lack of recovery of our economy. Maybe you finally found a new job but it's for lower pay or less hours. You remain buried in debt. This might be a good time to consider getting rid of the debt that piled up during a long period of unemployment or during an extended illness or other calamity that put you behind.
There are limits to the amount of income you can earn and still completely discharge your debt in a chapter 7 bankruptcy so filing when your income is still relatively low may be your best chance to wipe out debt for a fresh start.