Keith Karnes is a Salem, Oregon attorney who offers help to individuals and small businesses with financial challenges. Our firm offers bankruptcy assistance as well as loan workouts, tax settlements, foreclosure defense and consumer litigation. We offer free consultations and emergency bankruptcy filings. We provide immediate help to stop garnishments, foreclosures, and bank levies, which give you time to work out your financial situation.
Many people choose to file bankruptcy because it provides certainty in dealing with debt problems. You can retain our office for $100 and then refer your creditors to us. This will stop all phone calls and most other collection attempts until you file bankruptcy. Bankruptcy can give you a fresh start, let you catch up on missed mortgage payments, reduce the interest rate on your car loans, and repay taxes without penalties or interest.
In most cases you can keep all of your assets. We will be with you each step of the way, discussing all of your options, determining the best course of action, and completing the process to solve your financial matters.
Many people choose to file bankruptcy because it provides certainty in dealing with debt problems. You can retain our office for $100 and then refer your creditors to us. This will stop all phone calls and most other collection attempts until you file bankruptcy. Bankruptcy can give you a fresh start, let you catch up on missed mortgage payments, reduce the interest rate on your car loans, and repay taxes without penalties or interest.
In most cases you can keep all of your assets. We will be with you each step of the way, discussing all of your options, determining the best course of action, and completing the process to solve your financial matters.
Services
Keith Karnes is an attorney with over a decade of experience resolving financial challenges for his clients.
He represents individuals and small businesses in bankruptcy, loan workouts, tax settlements, foreclosure defense, and consumer litigation.
He handles cases ranging from multi-million dollar reorganizations to simple no asset bankruptcy cases.
Keith has lectured extensively on bankruptcy, foreclosure, and consumer litigation.
He has spoken multiple times at the Northwest Bankruptcy Institute, Oregon State Bar Debtor-Creditor Annual Meeting, State of Oregon Hope for Homeowners, National Association of Consumer Advocates Foreclosure trainings and other local organizations.
He represents individuals and small businesses in bankruptcy, loan workouts, tax settlements, foreclosure defense, and consumer litigation.
He handles cases ranging from multi-million dollar reorganizations to simple no asset bankruptcy cases.
Keith has lectured extensively on bankruptcy, foreclosure, and consumer litigation.
He has spoken multiple times at the Northwest Bankruptcy Institute, Oregon State Bar Debtor-Creditor Annual Meeting, State of Oregon Hope for Homeowners, National Association of Consumer Advocates Foreclosure trainings and other local organizations.
Chapter 7 is the most common type of bankruptcy where you can wipe out most of your debts and in most cases, you can keep all of your property.
Chapter 13 will wipe out most of your debts like chapter 7.
However, it also allows you to repay certain debts over time that cannot be wiped out such as recent income taxes.
Chapter 13 can also stop a foreclosure and give you time to catch up on your missed home payments.
Chapter 11 is a reorganization for businesses or individuals who do not qualify for chapter 13.
Chapter 13 will wipe out most of your debts like chapter 7.
However, it also allows you to repay certain debts over time that cannot be wiped out such as recent income taxes.
Chapter 13 can also stop a foreclosure and give you time to catch up on your missed home payments.
Chapter 11 is a reorganization for businesses or individuals who do not qualify for chapter 13.
Chapter 7 is the most common and least expensive type of bankruptcy.
From the moment you file chapter 7 creditors must stop all collection calls, all garnishments, and any other act to collect from you or your property.
Chapter 7 was designed by Congress to give you a fresh start.
In most cases you can keep all of your assets and wipe out all of your debts.
While chapter 7 can stop foreclosure for a few weeks or months, it does not allow you to catch up the missed payments on your home.
Also, chapter 7 cannot discharge recent taxes, child or spousal support, or student loans.
From the moment you file chapter 7 creditors must stop all collection calls, all garnishments, and any other act to collect from you or your property.
Chapter 7 was designed by Congress to give you a fresh start.
In most cases you can keep all of your assets and wipe out all of your debts.
While chapter 7 can stop foreclosure for a few weeks or months, it does not allow you to catch up the missed payments on your home.
Also, chapter 7 cannot discharge recent taxes, child or spousal support, or student loans.
Chapter 13 is a common way to deal with foreclosure or recent taxes.
Chapter 13 will stop foreclosure, garnishments, repossessions, and all other collection immediately upon filing.
Chapter 13 is also available if you cannot file chapter 7 because your income is too high or if you have filed chapter 7 within the past 8 years.
Chapter 13 will allow you to reduce the interest on your car loan to around 4.25%.
If you have property that would be taken from you in chapter 7, you can file chapter 13 and keep the property.
Chapter 13 will stop foreclosure, garnishments, repossessions, and all other collection immediately upon filing.
Chapter 13 is also available if you cannot file chapter 7 because your income is too high or if you have filed chapter 7 within the past 8 years.
Chapter 13 will allow you to reduce the interest on your car loan to around 4.25%.
If you have property that would be taken from you in chapter 7, you can file chapter 13 and keep the property.
Before you file chapter 11 bankruptcy you should consider what other options are available.
Sometimes we can work out your loans in a way that keeps you in business and allows you to continue to operate your business or avoid foreclosure.
However, sometimes when all other options fail, you may need to file chapter 11.
Chapter 11 is more complicated than other types of bankruptcy.
First, your bankruptcy plan is voted upon by your creditors.
Second, when you file chapter 11 you have the duties and responsibilities of the trustee.
Sometimes we can work out your loans in a way that keeps you in business and allows you to continue to operate your business or avoid foreclosure.
However, sometimes when all other options fail, you may need to file chapter 11.
Chapter 11 is more complicated than other types of bankruptcy.
First, your bankruptcy plan is voted upon by your creditors.
Second, when you file chapter 11 you have the duties and responsibilities of the trustee.
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