Can we get a reference for a attorney who knows the laws and cares enough to take our case or give accurate information?

I am sorry to hear that this has happened to you; I know that debt collection efforts can be very stressful and burdensome. Situations such as...

Is what they said above true?

The answer to your question is fact specific. Generally speaking, under Oregon law, each time you have services rendered that creates one account...

Do I have to pay the debt that I owe? I am asking because I read online that Oregon has a 6 year statue of limitations.

I suggest that you seek out a local consumer law attorney, who also handles bankruptcy, to sit down and discuss your situation and your goals in...

Generally speaking, the 4 year statute of limitations applies. I strongly urge you to consult with a consumer law/ debt defense attorney who can...

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I need advice on what is type of bankruptcy I can file and what can I file on. What is dischargeable.

Given the facts you lay out, and your desire to explore your options, it is highly advisable that you seek out a local attorney that can advise you...

Generally speaking, and presuming the HOA has sued you and reduced the debt to a judgment, they have the right to garnish your tenants for the full...

Can they set the payment amount so high? and continue to charge interest? and for bills 10+ yrs old?

While the creditor is acting aggressively, and arguably unwisely, it does not sound wrongful. If you think bankruptcy may be a prudent step to...

I am helping my fiance with filing for bankruptcy. What are the things that i need to get in order to proceed with this process?

It is not advisable to do a bankruptcy without legal representation, or at least without obtaining some legal advice, in my opinion. Consider...

If you won in arbitration, then you have a right to recover your costs. The arbitrator will typically give the winning party instructions on...

You would find value in a consultation with a bankruptcy and consumer law attorney. Most of us attorneys in this area of practice provide a FREE...