Salem Oregon Bankruptcy Attorney
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The Bankruptcy Process

Keith Karnes can help you through the steps of the bankruptcy process. From the free initial consultation through checking your credit report after the case is over, we can help.

The steps for a chapter 7 are:

  1. Contact our office for a free consultation about your bankruptcy options.
  2. Send us your questionnaire, supporting documents and fees.
  3. Complete your credit counseling. We recommend http://www.accesshope.net Use attorney code KL14394. Access hope is informative and the post bankruptcy counseling is provided by Dave Ramsey.
  4. When the bankruptcy documents are prepared, we will meet and sign them. Then we will file your case.
  5. Attend the first meeting of creditors, also called the 341(a) meeting. Here is an example of what happens at this meeting:
  6. Complete your post-filing credit counseling.
  7. If you are going to reaffirm your vehicle or other loan, attend a reaffirmation hearing. Here is an example of a reaffirmation hearing:
  8. About 2 months after the meeting of creditors you will receive your discharge. This completes your case.
  9. If you have creditors continue to collect after they have been discharged, or if your credit report shows that you owe money to creditors who were included in your bankruptcy, please contact our office. We will be happy to help resolve these matters at no additional charge to you.

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341(a) Meeting

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Legal Options

Chapter
7
Foreclosure
Defense
Chapter
13
Loan
Workouts
Chapter
11
Tax
Defense
Chapter
12
Consumer
Litigation
We will help you choose
your best option

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Client Reviews

  • Appreciated The Time and Effort

    We have really appreciated the time and effort that Keith has put in on our behalf in resolving more then a few lawsuits! He is a hard worker and has our best interest in mind when helping our family, and business! Thanks to him, we've been able to stay in our house! We are very grateful!...

  • Thoughtful, Helpful and Professional

    We found Keith Karnes to be extremely thoughtful, helpful, and professional. He helped resolve what could have been a very difficult situation, efficiently and swiftly, and he provided us with the results we were looking for....

  • Quickly Produced Ideal Resolution

    Keith Karnes is a proficient, intelligent and trustworthy attorney. He was able to help my husband with a contract dispute and an unfair debt collection. He quickly produced an ideal resolution in each case. Keith addresses concerns and helps his clients achieve the best case scenario. He would be the first person we would hire should we need legal counsel in the future....

  • Caring, Confidential, Comprehensive

    Keith Karnes is caring, confidential, and comprehensive. He took care of my case quickly and efficiently. I highly recommend him!...

 

   

We are a debt relief agency. We help people file for bankruptcy.

Keith Karnes Law Offices, P.C., 2701 12th St. SE, Salem, Oregon 97302

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