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also known as Chris Mertens
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.
My ten years of experience in the bankruptcy field includes strategic tools to assist consumers and small business owners in working towards their financial goals. I do not represent banks or debt collectors.
Mertens Law, LLC is committed to a focus on the vital area of student loan resolution, including strategic review and planning, default resolution, settlement negotiation, collection defense, and consumer claim prosecution.
I also assist with:
7
Practice Areas
12 years | 80 cases
12 years | 20 cases
19 years | 1,700 cases
19 years | 1,200 cases
Free Consultation
$0 first 15 minutes
$ 450-480 per hour
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Chat withState: California
Acquired: 2009
No misconduct found
State: Oregon
Acquired: 2009
No misconduct found
State: Washington
Acquired: 2006
No misconduct found
1040 NE 44th Ave, Ste 4, Portland, OR, 97213
Showing 1 - 5 of 14 client reviews from Avvo
Posted by Megan | May 8, 2025 | Hired Attorney
I had a problem with a student loan. When I contacted Chris and explained my situation, he listened with kindness, I never felt judged by him, and he very efficiently solved my problem with no cost to me. I feel like it was the most pleasant, painless legal experience I could ever wish for. Thank you...
Posted by anonymous | July 21, 2024 | Hired Attorney
Facing a lawsuit from a debt collector was incredibly stressful, but contacting Chris Mertens was the best decision I made! He took on my case with great professionalism, compassion and provided invaluable support throughout the process. Chris not only alleviated my concerns but also counter sued on ...
Posted by S | June 26, 2023 | Hired Attorney
We had an unfortunate experience that needed dealing with and Chris was thoughtful, patient, and went above and beyond to help resolve our issue. Would definitely recommend!
Posted by Michael | October 16, 2019 | Hired Attorney
Many years ago I co-signed for a student loan. 2 years ago I began getting calls and emails from a company claiming to own the paper on the loan and even filing in the court to hopefully achieve a summary judgement against me. Rather than stick my head in the sand (as many people do), I went looking ...
Posted by Bryan | July 13, 2019 | Hired Attorney
After being served papers by the Sherrif's Department, for a loan that I had forgot even existed, Chris guided us through a very difficult time, and in the end, won our lawsuit. Although we live several hours apart, Mr. Mertens established strong communication with me via email, phone, and text. ...
"Chris Mertens provides considerate and thoughtful representation to his clients, which in the field of consumer law is invaluable. He knows consumer protection laws, bankruptcy law, as well as student loan debt. With his extensive knowledge, he can provide you with a plan that is custom fit to your needs. I highly recommend this attorney as he is dedicated to helping all and is generous with his wisdom."
"Christopher is a bright, determined attorney who works great as a team player and always is offering to help others. I am pleased to work together with Christopher and know that he is a positive influence to the Oregon Bar."
"Chris is my go-to expert on bankruptcy and consumer issues. He's helped me with cases involving these issues and I've always been grateful for his knowledge, calm demeanor, and pleasant personality. I've recommended Chris to clients who've also enjoyed working with him."
"Chris is an outstanding advocate for debtor rights who knows how to solve difficult debt problems. His knowledge of resources for eliminating student loan debts is particularly valuable for those who are burdened with large student loans while they try to find success in their young careers and start families. I highly recommend Chris to anyone who has personal or business debt problems that are preventing them from finding success and enjoying life."
"Christopher knows what he is doing when it comes to the law. Specifically for bankruptcy and creditor/debtor issues he has tremendous experience. I fully endorse this lawyer."
Criminal defense lawyer
Foreclosure lawyer
Real estate lawyer
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Bankruptcy and debt lawyer
2015
Graduate - completed Bankruptcy Litigation Bootcamp, Max Gardner's Consumer Defense Academy
2015
Graduate - completed litigation bootcamp, Pete Barry's FDCPA/TCPA Bootcamp
2015
Graduate - completed student loan resolution workshop, Student Loan Law Workshop
2014
Pro Bono Assistance Award, Volunteer Lawyer Project
2013
Pro Bono Bankruptcy Attorney, Volunteer Layers Project
2012
Pro Bono Bankruptcy Clinic Attorney, Volunteer Lawyer Project
2011
Pro Bono Bankruptcy Clinic Attorney, Volunteer Lawyer Project
2010
Pro Bono Bankruptcy Clinic Attorney, Volunteer Lawyer Project
2006
Graduated with High Honors, University of Washington School of Law
2006
Order of the Coif, University of Washington School of Law
2015 - Present
Managing Attorney, Mertens Law, LLC
2010 - 2014
Associate Attorney, Todd Trierweiler & Associates
2008 - 2010
Consumer Bankruptcy Attorney, Various Entities
2006 - 2008
Federal Judicial Law Clerk, United States Bankruptcy Court (N.D. Cal.)
2005 - 2005
Judicial Extern, United States Bankruptcy Court (W.D. Wa.)
2005 - 2006
Student Research & Writing Fellow, University Of Washington School Of Law
2004 - 2005
Student Law Clerk, Geico Insurance Company
2018 - Present
Oregon State Bar Consumer Law SectionExecutive Council Member
2015 - Present
Max Gardner's Consumer Defense AcademyMember
2015 - Present
Student Loan Law Workshop GraduatesMember
2015 - Present
Washington State Bar Association, Solo and Small Practice SectionMember
2015 - Present
Oregon State Bar, Consumer Law SectionMember
2015 - Present
Oregon State Bar, Sole and Small Firm Practitioners SectionMember
2010 - Present
National Association of Consumer Bankruptcy AttorneysMember
2010 - Present
Oregon State Bar, Debtor-Creditor SectionMember
2010 - Present
Washington State Bar Association, Creditor-Debtor SectionMember
2010 - Present
U.S. District Court of OregonMember
2009 - Present
State Bar of CaliforniaMember
2009 - Present
United States District Court for the Western District of WashingtonMember
2006 - Present
Order of the CoifMember
2020 - 2021
Consumer Law Section, Oregon State BarChair
2019 - 2019
Consumer Law Section, Oregon State BarChair Elect
Reviewed client's financial situation post-graduation, explained in detail repayment options and enrolled client in an affordable repayment plan.
Avoided 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.
Drafted 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.
Utilized Chapter 13 to obtain better terms and make the vehicle affordable enough to keep.
Case dismissed and plaintiff paid defense attorney fees and costs.
2006
J.D.
2001
BA - Bachelor of Arts
2016
Mortgage Issues in connection with modifications and bankruptcy
2016
Student Loan Planning for Recent Graduates
2015
Student Loan Planning
2011
Testified in support of Senate Bill 935 to increase tools of the trade exemption.
2008
means test issues, chapter 13 plan requirements, and objecting to discharge and dischargeability of debts
2015
2013
2007
2006
English
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