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Filing Without an Attorney

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Before You File

Filing for bankruptcy is a serious matter. The consequences may outweigh the benefits.

It is strongly recommended that anyone considering filing bankruptcy consult with an experienced bankruptcy attorney.

The Oregon State Bar has a Lawyer Referral Service which will direct you to an attorney who has agreed to provide a limited consultation at reduced rates. Call (503) 684-3763 or toll free in Oregon at (800) 452 -7636.

Anyone who is considering filing a chapter 7 case may attend an informational Bankruptcy Clinic.

Low income individuals who reside in the counties listed below may be eligible to have a volunteer lawyer represent them for free.

  • Clackamas, Columbia, Hood River, Multnomah, Wasco, Washington, and Yamhill counties: Call (503) 224-4086 or (800) 228-6958 (Portland Regional Office of Legal Aid Services of Oregon)
  • Lane County: Call (541) 485-1017 ext. 340 (Lane County Legal Aid/Oregon Law Center)
  • Crook, Deschutes, and Jefferson counties: Call (541) 385-6950 or (800) 678-6944 (Central Oregon Office of Legal Aid Services of Oregon)
  • Gilliam, Morrow, Umatilla, Union, Wallowa, and Wheeler counties: Call (541) 276-6685 or (800) 843-1115 (Pendleton Regional Office of Legal Aid Services of Oregon)

Individual debtors who file for bankruptcy relief must receive a credit counseling briefing within 180 days before the bankruptcy filing.

Court personnel are prohibited from giving you legal advice.

Most debts are dischargeable in bankruptcy. However, certain individual debts may not be dischargeable. The most common examples are: taxes; domestic support obligations; student loans; most fines, penalties, forfeitures, or criminal restitution; debts for personal injury or death caused by your operation of a motor vehicle while intoxicated; and debts which were not properly listed on the bankruptcy petition and schedules.