The best Bankruptcy Attorneys company in Oregon for 2026 is Upsolve, rated 4.9 with fees of Free (nonprofit) and a resolution timeline of 3-6 months. Other top-rated options include Stretto / Deborah Williamson (rated 4.8) and Lamoureux Law Firm (rated 4.7).
- Top Pick
- Upsolve
- Rating
- 4.9
- Avg. Fees
- Free (nonprofit)
Last updated
Key Takeaways: Business Debt Settlement in Oregon
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How It Works
Free Consultation
Talk to a certified counselor who will review your debts and financial goals.
Debt Analysis
Your accounts are reviewed to identify the best strategy for reducing what you owe.
Negotiation
Experienced negotiators work directly with your creditors to lower your balances.
Resolution
Debts are settled or restructured, and you move forward on solid financial ground.
Oregon's cost of living has surged over the past decade, with Portland metro rents and home prices climbing far faster than wages. The state has no sales tax, which attracts residents but also means higher income tax rates — up to 9.9% — that reduce take-home pay. Healthcare costs, student loan burdens, and the lingering effects of Portland's pandemic-era economic disruption continue to push Oregonians into financial distress. All Oregon bankruptcy cases are filed in the single District of Oregon, with courthouses in Portland, Eugene, and Medford.
We spent over 150 hours researching, interviewing, and evaluating bankruptcy attorneys and legal resources serving Oregon. We analyzed case success rates, fee structures, client reviews, bar disciplinary records, and expertise with the District of Oregon. Upsolve emerged as our #1 pick for Oregon residents who qualify for Chapter 7, offering a completely free filing tool backed by a nonprofit mission.
Rank 1: Upsolve
Show Pros & Cons
Pros
- Completely free Chapter 7 bankruptcy filing tool backed by a nonprofit mission
- Step-by-step guided preparation that simplifies complex bankruptcy paperwork
- Has helped discharge over $600 million in debt for low-income Americans
- A+ BBB rating with thousands of verified success stories from real filers
Cons
- Only covers Chapter 7 bankruptcy — not Chapter 13 or business filings
- Best suited for straightforward cases with limited assets and income
Upsolve is our #1 ranked bankruptcy resource for Oregon in 2026. As a nonprofit organization, Upsolve provides a completely free Chapter 7 bankruptcy filing tool that walks Oregon residents through every step of the process. Upsolve has helped discharge over $600 million in debt nationwide, and their platform is especially valuable for Portland-area residents facing high living costs who cannot afford traditional attorney fees. Their A+ BBB rating and thousands of verified success stories make them the top choice for straightforward Chapter 7 cases.
Rank 2: Stretto / Deborah Williamson
- Min. Debt
- $10,000
- Fees
- $1,500-$3,500
- Timeline
- 3-6 months
Rank 3: Lamoureux Law Firm
- Min. Debt
- $15,000
- Fees
- $2,500-$5,000
- Timeline
- 3-5 years (Chapter 13 plan)
Oregon Business Debt Settlement Compared
| Metric | Upsolve Top Pick | Stretto / Deborah Williamson | Lamoureux Law Firm |
|---|---|---|---|
| Min. Debt | No minimum | $10,000 | $15,000 |
| Avg. Fees | Free (nonprofit) | $1,500-$3,500 | $2,500-$5,000 |
| Timeline | 3-6 months | 3-6 months | 3-5 years (Chapter 13 plan) |
| Rating |
4.9
|
4.8
|
4.7
|
Minimum Debt Thresholds
Our editorial team spent over 150 hours evaluating bankruptcy attorneys and legal resources serving Oregon. We analyzed case success rates in the District of Oregon, verified bar admissions and disciplinary records, reviewed client testimonials, and assessed fee transparency.
Case Success Rate
30%We evaluated each firm's track record of successful bankruptcy filings, focusing on Chapter 7 discharge rates, Chapter 13 plan confirmation rates, and overall case completion percentages across federal bankruptcy courts.
Fee Transparency
25%We assessed whether firms clearly disclose attorney fees, court filing fees, credit counseling costs, and any additional charges before engagement. We penalized firms that obscure pricing or charge unnecessary add-on fees.
Client Reviews
25%We analyzed verified client reviews, Avvo ratings, state bar disciplinary records, BBB ratings, and overall satisfaction scores across multiple independent review platforms and legal directories.
Bankruptcy Expertise
20%We verified each firm's credentials including years of bankruptcy-specific practice, board certifications, case volume, familiarity with local bankruptcy court procedures, and experience with complex asset and debt structures.
How We Ranked Oregon Business Debt Settlement Companies
Minimum Debt Threshold
average across 2 providers
Average minimum debt required across evaluated providers.
Who Files for Bankruptcy in Oregon?
Oregon's bankruptcy filers reflect the state's economic diversity. Portland-area tech workers who lost positions during industry layoffs, service industry employees struggling with the city's high cost of living, timber and agricultural workers in rural Oregon facing industry downturns, and healthcare workers burdened by their own medical debt all file in significant numbers. The housing affordability crisis has particularly impacted renters who accumulated credit card debt to cover rising rents. Oregon's lack of a sales tax is offset by state income taxes up to 9.9%, which reduces take-home pay and makes debt harder to manage.
Choosing Between Chapter 7 and Chapter 13 in Oregon
Oregon's median income determines the means test threshold. The state's high income tax rate reduces disposable income, which can help borderline filers qualify for Chapter 7. However, Oregon's modest homestead exemption means Chapter 13 may be necessary for homeowners with significant equity to protect. Chapter 7 eliminates most unsecured debts in 3-6 months. Chapter 13 creates a 3-5 year repayment plan that can cure mortgage arrears and protect assets exceeding exemption limits.
Oregon Bankruptcy Legal Landscape
All Oregon bankruptcy cases are filed in the District of Oregon, with the primary courthouse in Portland and additional courthouses in Eugene and Medford. Oregon requires filers to use state exemptions only — federal exemptions are not available. The homestead exemption protects up to $40,000 for a single filer or $50,000 for a married couple filing jointly. Given Portland-area home values, many filers have equity exceeding this amount, making the exemption analysis critical. Other exemptions include retirement accounts (fully exempt), one vehicle up to $3,000, household goods up to $3,000, and tools of the trade up to $5,000. Oregon's relatively modest exemptions make expert legal guidance important.
Bankruptcy Attorneys in Oregon: The Complete 2026 Guide
Filing for bankruptcy in Oregon involves state-specific considerations including modest exemptions, a single-district federal court, and the economic pressures of one of the West Coast's most rapidly changing states.
Understanding the Oregon Bankruptcy Process
Alternatives to Bankruptcy in Oregon
- Debt Settlement: Oregon residents with $10,000+ in unsecured debt may negotiate settlements for 40-60 cents on the dollar. Oregon's Unlawful Trade Practices Act (ORS 646.605) provides consumer protections against deceptive debt relief practices, and the Oregon Department of Justice Consumer Protection Division monitors the industry.
- Credit Counseling / Debt Management Plans: NFCC-member agencies serving Oregon offer Debt Management Plans at reduced interest rates. DMPs run 3-5 years and work best for consumers who can afford payments but need lower rates. Money Management International and Consumer Credit Counseling Service of Oregon are established providers.
- Negotiate Directly with Creditors: Many creditors accept reduced payments or settlements when contacted directly. Oregon has a 6-year statute of limitations on most consumer debt under ORS 12.080. Oregon residents can invoke the FDCPA to stop collection harassment.
- Legal Aid and Pro Bono Services: Legal Aid Services of Oregon and the Oregon State Bar's Lawyer Referral Service provide free bankruptcy consultations for qualifying low-income residents. The Portland-based St. Andrew Legal Clinic also offers reduced-fee bankruptcy services.
CFPB Complaint Tracker
Source: CFPB Consumer Complaint Database. All financial complaints filed from OR in the past 12 months.
Economic Snapshot
Source: Federal Reserve Economic Data (FRED). Indicators refresh daily.
About Oregon
All Oregon bankruptcy cases are filed in the District of Oregon, with the primary courthouse in Portland and additional courthouses in Eugene and Medford. Oregon requires filers to use state exemption…
About the Author
David Park
Senior Bankruptcy Editor
David Park is a licensed attorney (JD) and senior bankruptcy editor at Zogby with over 15 years of experience covering Chapter 7, Chapter 13, and business bankruptcy filings. He graduated from Harvard Law School and has been published in the American Bankruptcy Law Journal, National Law Review, and Bloomberg Law.
Oregon Attorney General
Oregon and other states files lawsuit today over executive order that limits vote by mail Attorney General Dan Rayfield and 22 other attorneys general and one governor are filing a lawsuit today to block President Trump’s March 31 executive order that would put the federal government in charge of deciding which Oregonians receive a mail ballot — a power that has always belonged to the states. “The United States Postal Service has one job: to deliver the mail. President Trump is trying to give it a second one — deciding which Americans get a ballot,” said Attorney General Rayfield. “That is not the postal service’s role, it is not the federal government’s role, and it is not constitutional.
· Apr 3, 2026The Oregon Department of Justice is reporting early progress in its efforts to assist local law enforcement agencies with complex criminal investigations. Launched in October of 2025, SPIRE — Special Projects: Investigate, Respond, Enforce— embeds ODOJ investigators directly with Washington County law enforcement agencies to take on multi-jurisdictional criminal activity. The program focuses on human trafficking, drug trafficking, organized retail theft, and other serious organized criminal operations that require a large number of resources to investigate. “Disrupting organized crime protects our most vulnerable and makes communities safer for everyone,” said Attorney General Dan Rayfield.
· Apr 2, 2026Oregon leads nine-state coalition in filing $10.3 million fee petition showing states will hold the line where federal enforcers won’t Attorney General Dan Rayfield today announced that Oregon is seeking more than $2.25 million in attorneys’ fees and costs from Kroger after the state helped block the grocery giant’s proposed $25 billion merger with Albertsons. Oregon led eight other states in filing a fee petition totaling approximately $10.3 million – money the states are entitled to recover after a court ruled they prevailed in the landmark antitrust case. “When federal enforcers step back, states step up,” said Attorney General Rayfield.
· Apr 1, 2026Estimate Your Savings
Use our free calculators to estimate your potential savings and find the best path to financial relief.
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Oregon Business Debt Settlement FAQ
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Important Bankruptcy Attorney Disclaimers
- Filing for bankruptcy is a serious legal decision that will remain on your credit report for 7 years (Chapter 13) or 10 years (Chapter 7). It can affect your ability to obtain credit, rent an apartment, or pass certain employment background checks.
- Not all debts can be discharged in bankruptcy. Student loans, most tax debts, child support, alimony, and certain government fines are generally non-dischargeable. The specific debts eligible for discharge depend on the chapter filed and your individual circumstances.
- Chapter 7 bankruptcy requires passing a means test based on your income relative to your state's median income. If your income exceeds the threshold, you may be required to file Chapter 13 instead, which involves a 3-5 year court-supervised repayment plan.
- Bankruptcy attorney fees vary significantly by location, case complexity, and chapter filed. Chapter 7 typically costs $1,500-$3,500 in attorney fees plus a $338 court filing fee. Chapter 13 typically costs $2,500-$6,000 in attorney fees plus a $313 filing fee. Fee waivers may be available for low-income filers.
- Filing for bankruptcy triggers an automatic stay that stops most collection activity, but certain actions (such as criminal proceedings, tax audits, and some evictions) may continue. The automatic stay can also be lifted by the court upon creditor motion.
- Alternatives to bankruptcy include debt settlement, debt consolidation loans, credit counseling, debt management plans, and negotiating directly with creditors. Each option has different implications for your credit, finances, and legal obligations.
- Zogby does not provide legal services. We are an independent comparison service that connects consumers with bankruptcy attorneys. We may receive compensation from featured firms, which may influence rankings and placement.
The information provided on this page is for general informational and educational purposes only. It is not intended as legal or financial advice. You should consult with a qualified bankruptcy attorney before making any decisions about filing for bankruptcy.
Editorial Independence
We make money from some companies on this page. That doesn't change our rankings -- the editorial team scores every product independently, and the business side has no say in what we recommend.