Jim Choi, Attorney at Law

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Attorneys, Accident & Property Damage Attorneys, Bankruptcy Law Attorneys

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Today: 9:00 am - 5:00 pm

28 Years

in Business

(503) 254-1451Call Visit WebsiteVisit Website Map & DirectionsDirections16323 SE Stark St Ste 3Portland, OR 97233 Write a ReviewWrite Review

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Mon - Fri:	9:00 am - 5:00 pm

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More Info

Stop Creditor Harassment With One Phone Call, Chapter 7 from $700

File Bankruptcy For Just $500! Promo Code: SEO

General Info: We Can Stop: Foreclosures Repossessions Credit Collector Calls Garnishments We Are Available both Evenings and Weekends We Offer Payment Plans with a Free First Consultation
Services/Products: Bankruptcy Chapter 7 Chapter 13 Divorce Auto Accident Personal Injury
Payment method: check
Location: On SE Stark East of NE 162nd Ave.
Neighborhood: Rockwood
Other Link: http://www.pdxbankruptcy.com
Categories: Attorneys, Accident & Property Damage Attorneys, Bankruptcy Law Attorneys, Bankruptcy Services, Child Custody Attorneys, Credit & Debt Counseling, Divorce Attorneys, Family Law Attorneys, General Practice Attorneys, Immigration Law Attorneys, Personal Injury Law Attorneys
Other Information: Free Consultation: Yes

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Reviews

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04/22/2015

Overall

Amazing lawyer and impressive price for his services. I would highly recommend!

12/18/2014

Overall

great attorney. helpful. Honest.

frank.fitzgerald.89

01/17/2014

Overall

Jim helped me my legal issue I was very happy with the work he did

01/16/2014

Overall

He does a great job and all my friends use him.

07/29/2013

Overall

Jim provide great advise, very knowledgable, guided me through the entire process and an affordable price

Details

Phone: (503) 254-1451

Address: 16323 SE Stark St Ste 3, Portland, OR 97233

Website: http://www.pdxbankruptcy.com

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Jim Choi, Attorney at Law

Divorce
Child Support
The plan need not pay unsecured claims in full as long it provides that the debtor will pay all projected “disposable income” over an “applicable commitment period,” and as long as unsecured creditors receive at least as much under the plan as they would receive if the debtor’s assets were liquidated under chapter 7. 11 U.S.C. § 1325. In chapter 13, “disposable income” is income (other than child support payments received by the debtor) less amounts reasonably necessary for the maintenance or support of the debtor or dependents and less charitable contributions up to 15% of the debtor’s gross income. If the debtor operates a business, the definition of disposable income excludes those amounts which are necessary for ordinary operating expenses. 11 U.S.C. § 1325(b)(2)(A) and (B). The “applicable commitment period” depends on the debtor’s current monthly income. The applicable commitment period must be three years if current monthly income is less than the state median for a family of the same size – and five years if the current monthly income is greater than a family of the same size. 11 U.S.C. § 1325(d). The plan may be less than the applicable commitment period (three or five years) only if unsecured debt is paid in full over a shorter period.
Spousal Support
A debtor may make plan payments through payroll deductions. This practice increases the likelihood that payments will be made on time and that the debtor will complete the plan. In any event, if the debtor fails to make the payments due under the confirmed plan, the court may dismiss the case or convert it to a liquidation case under chapter 7 of the Bankruptcy Code. 11 U.S.C. § 1307(c). The court may also dismiss or convert the debtor’s case if the debtor fails to pay any post-filing domestic support obligations (i.e., child support, alimony), or fails to make required tax filings during the case. 11 U.S.C. §§ 1307(c) and (e), 1308, 521.

Immigration Law

Citizenship and Naturalization

Personal Injury
As a general rule, the discharge releases the debtor from all debts provided for by the plan or disallowed, with the exception of certain debts referenced in 11 U.S.C. § 1328. Debts not discharged in chapter 13 include certain long term obligations (such as a home mortgage), debts for alimony or child support, certain taxes, debts for most government funded or guaranteed educational loans or benefit overpayments, debts arising from death or personal injury caused by driving while intoxicated or under the influence of drugs, and debts for restitution or a criminal fine included in a sentence on the debtor’s conviction of a crime. To the extent that they are not fully paid under the chapter 13 plan, the debtor will still be responsible for these debts after the bankruptcy case has concluded. Debts for money or property obtained by false pretenses, debts for fraud or defalcation while acting in a fiduciary capacity, and debts for restitution or damages awarded in a civil case for willful or malicious actions by the debtor that cause personal injury or death to a person will be discharged unless a creditor timely files and prevails in an action to have such debts declared nondischargeable. 11 U.S.C. §§ 1328, 523(c); Fed. R. Bankr. P. 4007(c).

Bankruptcy
A chapter 13 bankruptcy is also called a wage earner’s plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. If the debtor’s current monthly income is less than the applicable state median, the plan will be for three years unless the court approves a longer period “for cause.” (1) If the debtor’s current monthly income is greater than the applicable state median, the plan generally must be for five years. In no case may a plan provide for payments over a period longer than five years. 11 U.S.C. §1322(d). During this time the law forbids creditors from starting or continuing collection efforts.
Foreclosure
In addition, individual debtors who have regular income may seek an adjustment of debts under chapter 13 of the Bankruptcy Code. A particular advantage of chapter 13 is that it provides individual debtors with an opportunity to save their homes from foreclosure by allowing them to “catch up” past due payments through a payment plan. Moreover, the court may dismiss a chapter 7 case filed by an individual whose debts are primarily consumer rather than business debts if the court finds that the granting of relief would be an abuse of chapter 7. 11 U.S.C. § 707(b).

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