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Christopher J Mertens

Christopher J Mertens

also known as Chris Mertens

Practice areas:

Bankruptcy & Debt, Debt Settlement, Chapter 13 Bankruptcy, Consumer Protection, Chapter 7 Bankruptcy

About Me

By understanding the financial systems behind the loans, servicers, and debt collectors, I am better able to provide individuals, families, and small business owners with a comprehensive set of strategic legal options whatever the problems they are facing.I not only want to help my clients obtain relief, but I want to affirmatively assert consumer rights to give my clients every advantage going forward so they feel empowered to achieve future financial goals.


I am building on my nine years of experience in the bankruptcy field to add strategic tools to assist consumers and small business owners.  I do not represent banks or debt collectors.My law practice focuses on the following areas:

  1. Student loan resolution;

  2. Bankruptcy discharge protection;

  3. Mortgage modification assistance;

  4. Suing abusive debt collectors; and

  5. Comprehensive consumer financial reorganization, including mortgage issues, burdensome vehicle loans, income tax liability, small business issues, and strategic use of the tools available under the federal bankruptcy code.


Photos and Videos

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Practice Areas

Licensed since 1983

  1. Bankruptcy & Debt: 40%
    9 years, 1.7 thousand cases
  2. Chapter 13 Bankruptcy: 20%
    9 years, 1.2 thousand cases
  3. Debt Settlement: 20%
    9 years
  4. Chapter 7 Bankruptcy: 10%
    9 years, 1 thousand cases
  5. Consumer Protection: 10%



Hourly ($360/hour), Fixed (Sometimes), Free Consultation (30 minutes)

Payment Types:

Cash, Check, Credit Card

Attorney Endorsements

1 total 

  • Laura L Donaldson

    Chris is a very compassionate, intelligent attorney. I endorse this lawyer.


    Laura Donaldson Bankruptcy & Debt Attorney
    Relationship: Fellow lawyer in community

Contact Info

4411 NE Tillamook St
Portland, OR, 97213-1317




Professional Misconduct

We have not found any instances of professional misconduct for this lawyer.

Avvo Contributions

Legal Answers


Award NameGrantorDate Granted
Graduate - completed Bankruptcy Litigation BootcampMax Gardner's Consumer Defense Academy2015
Graduate - completed litigation bootcampPete Barry's FDCPA/TCPA Bootcamp2015
Graduate - completed student loan resolution workshopStudent Loan Law Workshop2015
Pro Bono Bankruptcy Clinic AttorneyVolunteer Lawyer Project2012
Pro Bono Bankruptcy Clinic AttorneyVolunteer Lawyer Project2011
Pro Bono Bankruptcy Clinic AttorneyVolunteer Lawyer Project2010
Graduated with High HonorsUniversity of Washington School of Law2006
Order of the CoifUniversity of Washington School of Law2006

Work Experience

TitleCompany NameDuration
Managing AttorneyMertens Law, LLC2015 - Present
Associate AttorneyTodd Trierweiler & Associates2010 - 2014
Consumer Bankruptcy AttorneyVarious Entities2008 - 2010
Federal Judicial Law ClerkUnited States Bankruptcy Court (N.D. Cal.)2006 - 2008
Judicial ExternUnited States Bankruptcy Court (W.D. Wa.)2005 - 2005
Student Research & Writing FellowUniversity Of Washington School Of Law2005 - 2006
Student Law ClerkGeico Insurance Company2004 - 2005


Association NamePosition NameDuration
Max Gardner's Consumer Defense AcademyMember2015 - Present
Student Loan Law Workshop GraduatesMember2015 - Present
Washington State Bar Association, Solo and Small Practice SectionMember2015 - Present
Oregon State Bar, Consumer Law SectionMember2015 - Present
Oregon State Bar, Sole and Small Firm Practitioners SectionMember2015 - Present
National Association of Consumer Bankruptcy AttorneysMember2010 - Present
Oregon State Bar, Debtor-Creditor SectionMember2010 - Present
Washington State Bar Association, Creditor-Debtor SectionMember2010 - Present

Legal Cases

Case NameOutcome
Student Loan Default ResolutionAvoided garnishment, facilitated the client bringing the loans current, and got client on an affordable payment for his loans so he could stay current going forward.
Chapter 13 Multiple Residential Rental PropertiesDrafted and confirmed Chapter 13 plan to bring mortgages current, kept all performing properties, and crammed second mortgage down to value of property so that it was no longer underwater.
Burdensome Terms on Auto LoanUtilized Chapter 13 to obtain better terms and make the vehicle affordable enough to keep.

See all Legal Cases 


Publication NameTitleDate
Family Law Book for Oregon State Bar BooksBankruptcy Chapter - 3 Family Law ch. 22 (OSB Legal Pubs 2013),2013
81 The American Bankruptcy Law Journal 123 (2007), reprinted in 29 California Bankruptcy Journal 379Travelers and the Implications on the Allowability Of Unsecured Creditors’ Claims for Post-Petition Attorneys’ Fees Against the Bankruptcy Estate2007
15 Pacific Rim Law & Policy Journal 233Australian Insolvency Law and the 1992 ISDA Master Agreement—Catalyst, Reaction, and Solution,2006


School NameMajorDegreeGraduated
University of Washington School of LawLawJ.D.2006
Macalester CollegeMathematics with Statistical EmphasisBA - Bachelor of Arts2001

Speaking Engagements

Conference NameTitleDate
Oregon House Business and Labor CommitteeTestified in support of Senate Bill 935 to increase tools of the trade exemption.2011
Bankruptcy: An In-Depth Guide to Practice in the U.S. Bankruptcy Courts Taught by Current and Former Law Clerksmeans test issues, chapter 13 plan requirements, and objecting to discharge and dischargeability of debts2008