How Can You Stop a Wage or Bank Account Garnishments?

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A garnishment is one method that creditors can use to collect debts owed.  Before a creditor is entitled to garnish, however, the creditor must obtain a judgment from a court declaring that the debt is owed.  Though there are some exceptions, for example a garnishment or tax levy, until a judgment has been entered, you do not need to fear a garnishment.

Upon a creditor obtaining a judgment, that creditor can apply to the court clerk for the issuance of a ...

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Should I Sign a Reaffirmation Agreement on my . . . home . . . car . . . other loan?

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As a general rule, entering into a reaffirmation agreement is not generally advised. Many attorneys will advise their clients not to sign reaffirmation agreements, unless there is a specific benefit to be obtained in signing the agreement. This is because the primary goal of filing for Bankruptcy relief is to discharge debt and get a fresh start. A reaffirmation agreement, undermines that goal.

Upon completion of a Chapter 7, the debtor will receive a discharge from the court, which relieves the debtor of ...

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Can I Get This Off My Record?

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On a weekly basis I am contacted by individuals trying to remove criminal convictions an arrest records. This process, often called an expungement, is relatively straightforward, but the “rules” to “qualify” are often complicated and somewhat difficult to understand. The primary benefit is that “upon entry of the order the applicant for purposes of the law shall be deemed not to have been previously convicted or arrested as the case may be . . .”  The entry of the order ...

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Oregon Implied Consent Law

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Under Oregon law, by driving a motor vehicle you have “implied” that you will consent to a search of your breath, blood, or urine if you are arrested for Driving Under the Influence. If your blood alcohol level is shown to be .08% or greater, you will be deemed to have “failed” the breath test. If you are under the age of 21, any amount of alcohol in your blood is grounds for a suspension of your license.

If ...

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