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Oregon and Washington Bankruptcy Blog


I am consistently amazed by how long people hold out before they do file bankruptcy. Most of my clients endure abusive phone calls and make every payment they can toward debts that they have no hope of repaying for years on end before they finally decide to file bankruptcy. Many of them invest tens of hours trying to work out deals with their creditors only to be turned away again and again. In the midst of one of the worst economic downturns in American history, many of my clients still come in blaming themselves rather than the banks that changed the rules in the middle of the game. Still others come in after job loss, divorce or medical emergencies, blaming themselves, as if they could have somehow financially planned for disasters. I guess what I am trying to say is that the decision to file bankruptcy is not one that any of my clients have ever taken lightly or embraced with open arms.

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