Portland Legal Services - Joanne Reisman, Attorney at Law
My Blog

Debt Relief

Avoiding or Reducing Medical Bills Not Covered by Insurance

The first thing to check for is to be sure that the medical location and the medical providers are in your Network.  Be careful with the myriad of convenient urgent care clinics that are springing up all over the place in shopping malls, in pharmacies, and at other suburban locations.  If the care facility is not specifically contracted with your medical insurance network it is not likely to be covered.

Medical Services that aren't covered are often billed at the highest prices for medical services.

Getting a Creditor to Report That You Paid or Satisfied a Judgment Against You!

Judgments can be entered against you for debts you owe and even if you have paid the Judgment it can still show up in public records as owing. The court needs to enter a document which states that the Judgment has been satisfied.  Otherwise this will still be reported as a Judgment that is owed and will adversely effect your ability to apply for loans and get credit.

A creditor who has fully collected the Judgment has a duty to file a Satisfaction of Judgment with the court under Oregon Law.   Not all creditors understand this duty, especially creditors like ex-spouses who are not professionals.

Scam Calls and Emails - how to avoid being a Victim!!

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.

More options for Oregon Debtors: Oregonians can now elect to use Federal Exemptions When Filing Bankruptcy

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.

Bankruptcy and Tax Refunds

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.
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