Christopher J. Mertens

Christopher J. Mertens

also known as Chris Mertens

5.0
Rating: 10.0

Licensed for 19 years

Debt collection Lawyer at Portland, OR
Practice Areas: Debt Collection, Consumer Protection, Bankruptcy & Debt ... +4 more

1040 NE 44th Ave, Ste 4, Portland, OR

About Christopher

Biography

Practice Areas

7

Practice Areas

Debt Collection 50%

Consumer debt DEFENSE and counterclaims against debt collectors and other responsible parties. Consumer credit, student loans, medical debt, and fraudulent/mistaken charges.

12 years | 80 cases

50%
Consumer Protection 20%

I sue abusive debt collectors, whether collecting consumer credit cards, private student loans, medical bills, or auto-loan deficiencies. I sue loan servicers, banks, and credit reporters who don't fix mistakes.

12 years | 20 cases

20%
Bankruptcy and Debt 10%

Strategic Student Loan Resolution and Planning.

19 years | 1,700 cases

10%
Chapter 13 Bankruptcy 5%

Comprehensive and strategic financial relief to address and overcome mortgage, tax, auto, or other debt issues.

19 years | 1,200 cases

5%
Chapter 7 Bankruptcy 5%

19 years | 1,000 cases

5%
Debt Settlement 5%

16 years | 100 cases

5%
Foreclosure 5%

Defending Foreclosure, prosecuting mortgage servicer abuses, modification assistance.

13 years | 50 cases

5%

Fees and Rates

Cost

Free Consultation

$0 first 15 minutes

Hourly Rates

$ 450-480 per hour


Payment Methods

  • Cash
  • Check
  • Credit Card

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Licenses

Licensed in California for 16 years

State: California

Acquired: 2009

Active

No misconduct found

Licensed in Oregon for 16 years

State: Oregon

Acquired: 2009

Active

No misconduct found

Licensed in Washington for 19 years

State: Washington

Acquired: 2006

Active

No misconduct found

Location

Mertens Law, LLC

1040 NE 44th Ave, Ste 4, Portland, OR, 97213

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Christopher J. Mertens's Reviews

Avvo Review Score

5.0 /5.0

14 Client Reviews

5 star (14)
4 star (0)
3 star (0)
2 star (0)
1 star (0)

Posted by Megan | May 8, 2025 | Hired Attorney

This review is from a person who hired this attorney.

Kindness, efficiency and excellent outcome.

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... Chris!

Posted by anonymous | July 21, 2024 | Hired Attorney

This review is from a person who hired this attorney.

10/10 Recommend!

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 ...my behalf. As a result, the debt was dismissed, removed from my report and I will be receiving compensation for my distress, which will cover his fees as well. Chris went above and beyond my expectations, and I highly recommend his services!

Posted by S | June 26, 2023 | Hired Attorney

This review is from a person who hired this attorney.

Great work!

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

This review is from a person who hired this attorney.

Thank you Chris Mertens

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 ...for counsel. The first two “companies” I spoke with were as bad as the collection company itself and wanted huge upfront fees that I could not afford. Somehow in one of my searches online I happened on Chris and reached out to him with only days to spare before my scheduled court appearance. We had a long phone consultation and he agreed to help me. Chris calmed me down and put my initial fears to rest. He was able to wade through the ins and outs of this particular “student loan” and get it settled fairly and quickly. I am not able to discuss particulars, but I am one happy client. I heartily recommend Chris Mertens.

Posted by Bryan | July 13, 2019 | Hired Attorney

This review is from a person who hired this attorney.

Honest, Hardworking, and Knowledgeable - Chris Saved Us When We Were Sued by a Private Student Lender

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. ... He proved to be a very detail oriented person, and was able to communicate very clearly with me about what was happening with our case. The case first went to arbitration, at which time Chris drove to my hometown to meet with me and talk in person. I was very impressed by the level of attention he was giving my case, but then again, it was my first lawsuit, and I wasn't sure how much attention I should be getting. However, it became clear to me that Chris was going way above and beyond for me and my family, when he told me that he needed me to send a document to him that day because his wife was going into labor with their child. I was so grateful at that moment to have him on my side. During arbitration, the judge ruled against me without really considering what Mr. Mertens had reported. After the decision, he gave me some options as far as the next step. One of the options was to keep fighting. I was scared, but Chris told me he was confident, and I am so glad that I trusted him! Mr. Mertens submitted the appeal to the court ( I think that is what it is called) and the evidence was included. The judge ruled in my favor this time, stating that the statute of limitations was in effect, as well as other stuff that I don't really remember. In the end, Mr. Merten's hard-work, attention to detail, and immense knowledge of the law had prevailed. I wholeheartedly recommend Chris Mertens to anyone seeking a lawyer to help fight student loan companies. He will work tirelessly for you, and be honest about the outlook.

See All Client Reviews

Christopher J. Mertens's Lawyer Endorsements

Endorse Christopher
Jennifer L. Myrick headshot
Jennifer Myrick

Consumer protection lawyer | May 02

Relationship: Fellow lawyer in community

"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."

Javier Luis Merino headshot
Javier Merino

Bankruptcy and debt lawyer | Jul 18

Relationship: Worked together on matter

"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."

Karen Mari Takishita Nashiwa headshot
Karen Nashiwa

Bankruptcy and debt lawyer | May 31

Relationship: Worked together on matter

"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."

Randall P Olsen headshot
Randall Olsen

Bankruptcy and debt lawyer | Oct 29

Relationship: Fellow lawyer in community

"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."

Matthew Alexander Holland headshot
Matthew Holland

Bankruptcy and debt lawyer | Sep 11

Relationship: Fellow lawyer in community

"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."

Laura L Donaldson headshot
Laura Donaldson

Bankruptcy and debt lawyer | Aug 17

Relationship: Fellow lawyer in community

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

View All Endorsements
Jennifer L. Myrick headshot
Jennifer Myrick

Criminal defense lawyer

Javier Luis Merino headshot
Javier Merino

Foreclosure lawyer

Karen Mari Takishita Nashiwa headshot
Karen Nashiwa

Real estate lawyer

Timothy B Crippen headshot
Timothy Crippen

Unknown lawyer

Matthew Alexander Holland headshot
Matthew Holland

Unknown lawyer

Jacob D Braunstein headshot
Jacob Braunstein

Unknown lawyer

Laura L Donaldson headshot
Laura Donaldson

Bankruptcy and debt lawyer

Experience

Rating:  10.0 (Superb)

Honors

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

Work Experience

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

Associations

2018 - Present

Oregon State Bar Consumer Law Section

Executive Council Member

2015 - Present

Max Gardner's Consumer Defense Academy

Member

2015 - Present

Student Loan Law Workshop Graduates

Member

2015 - Present

Washington State Bar Association, Solo and Small Practice Section

Member

2015 - Present

Oregon State Bar, Consumer Law Section

Member

2015 - Present

Oregon State Bar, Sole and Small Firm Practitioners Section

Member

2010 - Present

National Association of Consumer Bankruptcy Attorneys

Member

2010 - Present

Oregon State Bar, Debtor-Creditor Section

Member

2010 - Present

Washington State Bar Association, Creditor-Debtor Section

Member

2010 - Present

U.S. District Court of Oregon

Member

2009 - Present

State Bar of California

Member

2009 - Present

United States District Court for the Western District of Washington

Member

2006 - Present

Order of the Coif

Member

2020 - 2021

Consumer Law Section, Oregon State Bar

Chair

2019 - 2019

Consumer Law Section, Oregon State Bar

Chair Elect

Sample of Legal Cases

Student Loan Analysis and Repayment Plan

Reviewed client's financial situation post-graduation, explained in detail repayment options and enrolled client in an affordable repayment plan.

Student Loan Default Resolution

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.

Chapter 13 Multiple Residential Rental Properties

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.

Burdensome Terms on Auto Loan

Utilized Chapter 13 to obtain better terms and make the vehicle affordable enough to keep.

SLS v. Freschi

Case dismissed and plaintiff paid defense attorney fees and costs.

See More Legal Cases

Education

2006

University of Washington School of Law

J.D.

2001

Macalester College

BA - Bachelor of Arts

Speaking Engagements

2016

Oregon Legal Aid Foreclosure Defense Attorney Training

Mortgage Issues in connection with modifications and bankruptcy

2016

Audigy Student Summit

Student Loan Planning for Recent Graduates

2015

Student Loan Law from a Student Loan Lawyer

Student Loan Planning

2011

Oregon House Business and Labor Committee

Testified in support of Senate Bill 935 to increase tools of the trade exemption.

2008

Bankruptcy: An In-Depth Guide to Practice in the U.S. Bankruptcy Courts Taught by Current and Former Law Clerks

means test issues, chapter 13 plan requirements, and objecting to discharge and dischargeability of debts

Publications

2013

Family Law Book for Oregon State Bar Books Bankruptcy Chapter - 3 Family Law ch. 22 (OSB Legal Pubs 2013),

2007

81 The American Bankruptcy Law Journal 123 (2007), reprinted in 29 California Bankruptcy Journal 379 Travelers and the Implications on the Allowability Of Unsecured Creditors’ Claims for Post-Petition Attorneys’ Fees Against the Bankruptcy Estate

2006

15 Pacific Rim Law & Policy Journal 233 Australian Insolvency Law and the 1992 ISDA Master Agreement—Catalyst, Reaction, and Solution,

Languages

English

Activity

Avvo Rating

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