Keith Karnes is a Salem, Oregon attorney who offers help to individuals and small businesses with financial challenges. Our firm offers bankruptcy assistance as well as loan workouts, tax settlements, foreclosure defense and consumer litigation. We offer free consultations and emergency bankruptcy filings.
We provide immediate help to stop garnishments, foreclosures, and bank levies, which give you time to work out your financial situation. Many people choose to file bankruptcy because it provides certainty in dealing with debt problems. You can retain our office for $100 and then refer your creditors to us.
We provide immediate help to stop garnishments, foreclosures, and bank levies, which give you time to work out your financial situation. Many people choose to file bankruptcy because it provides certainty in dealing with debt problems. You can retain our office for $100 and then refer your creditors to us.
Services
Keith Karnes is an attorney with over a decade of experience resolving financial challenges for his clients. He represents individuals and small businesses in bankruptcy, loan workouts, tax settlements, foreclosure defense, and consumer litigation. He handles cases ranging from multi-million dollar reorganizations to simple no asset bankruptcy cases.
Chapter 7 is the most common type of bankruptcy where you can wipe out most of your debts and in most cases, you can keep all of your property. Chapter 13 will wipe out most of your debts like chapter 7. However, it also allows you to repay certain debts over time that cannot be wiped out such as recent income taxes.
Chapter 7 is the most common and least expensive type of bankruptcy. From the moment you file chapter 7 creditors must stop all collection calls, all garnishments, and any other act to collect from you or your property. Chapter 7 was designed by Congress to give you a fresh start. In most cases you can keep all of your assets and wipe out all of your debts.
Chapter 13 is a common way to deal with foreclosure or recent taxes. Chapter 13 will stop foreclosure, garnishments, repossessions, and all other collection immediately upon filing. Chapter 13 is also available if you cannot file chapter 7 because your income is too high or if you have filed chapter 7 within the past 8 years.
Before you file chapter 11 bankruptcy you should consider what other options are available. Sometimes we can work out your loans in a way that keeps you in business and allows you to continue to operate your business or avoid foreclosure. However, sometimes when all other options fail, you may need to file chapter 11.
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