Salem, OR, Bankruptcy Law

Unexpected financial challenges can happen to anyone, and when debt becomes overwhelming, it’s important to know you have options. If you are struggling to keep up with payments and see no clear path forward, the team at Arellano Law Firm is here to provide experienced and compassionate legal guidance. We understand the stress you are facing and can help you find relief.

Our firm provides expert personal bankruptcy consultation and service in the Salem, OR, area to help you stop creditor harassment and regain financial control.

When job loss, medical emergencies, or other unforeseen events lead to mounting bills, it can feel like there is no way out. Our bankruptcy law experts serving Salem, OR, provide a powerful tool for a fresh start. Filing for bankruptcy can immediately stop repossession actions, creditor calls, and wage garnishments, giving you the breathing room needed to rebuild. Our team works to protect your rights and guide you toward financial stability.

Chapter 7 bankruptcy is a legal process that eliminates most of your unsecured debts, including credit cards and medical bills.

Known as a “liquidation” bankruptcy, Chapter 7 is the most common type for individuals. If you qualify, a court-appointed trustee may sell certain non-exempt assets to pay creditors, though many essential assets are protected. This process can discharge debts like medical bills, personal loans, and credit card balances, offering a clean slate. Certain debts, such as student loans and child support, are typically not dischargeable.