Salem Bankruptcy Attorneys

Collaborative Guidance Through Financial Challenges

Financial difficulties can be overwhelming, but you don’t have to face them alone. 

At Pacific Cascade Legal, our Salem bankruptcy team works collaboratively to guide individuals and families through complex financial legal proceedings. We combine strategic legal insight with compassionate support to help clients understand their options, protect their rights, and build a path toward financial stability.

Our attorneys take a team-based approach to bankruptcy representation. By drawing on the firm’s collective experience in bankruptcy, estate planning, family law, and related legal areas, we provide comprehensive counsel that considers both immediate relief and long-term goals. Whether you’re struggling with mounting debt, facing foreclosure, or considering a fresh start through Chapter 7 or Chapter 13 bankruptcy, we are here to help.

Why Choose Pacific Cascade Legal

• Collaborative Team: Attorneys across practice areas work together to create holistic legal strategies.
• Bankruptcy Experience: Led by Darin Wisehart, our team has extensive experience in Chapter 7, Chapter 13, and foreclosure defense.
• Client-Focused Counsel: We offer honest advice, clear communication, and tailored solutions.
• Full-Service Support: We address financial issues alongside related legal matters like family law and estate planning.

Our Salem bankruptcy attorneys are ready to start building your financial fresh start. Call (503) 427-9033 or contact us online to schedule a consultation.

Our Team Approach

At Pacific Cascade Legal, we believe effective bankruptcy representation demands a coordinated, strategic effort. Our attorneys work collaboratively across practice areas to give clients a clear path forward, addressing both immediate financial concerns and long-term stability. Every case benefits from the collective insight of our team, ensuring that you receive well-rounded, thoughtful legal guidance.

• Darin Wisehart – Bankruptcy Attorney. Darin brings years of experience representing clients in bankruptcy, foreclosure defense, and debt relief matters. Known for his empathetic approach and in-depth understanding of financial law, he takes time to fully understand each client’s situation and provides honest, strategic guidance from start to finish.

Meet our team.

What Our Clients Say

Across the Pacific Northwest, clients turn to Pacific Cascade Legal for knowledgeable guidance, clear communication, and compassionate support during some of life’s most challenging moments. The testimonials below reflect the strong relationships we’ve built and the client-focused service that sets our team apart.

“Amazing legal staff! Couldn't have asked for a better team.”
— Former Client

“Honest and Professional. Amazing firm, professional team. Very honest and helpful.”
— Former Client

“Thank you for helping through what was really the hardest time in my life.” 
— Former Client

“They are incredibly hard-working, knowledgeable, professional, and ethical.”
— Former Client

See more client reviews.

Bankruptcy Services We Offer

Every financial situation is unique. Whether you’re struggling with overwhelming credit card debt, facing foreclosure, or trying to keep your business afloat, our team takes the time to understand your goals and develop a strategy that provides both immediate relief and long-term stability.

We offer a comprehensive range of bankruptcy and debt relief services, including:

Debt Relief & Bankruptcy Options

• Chapter 7 Bankruptcy. Chapter 7 is often referred to as a “fresh start” bankruptcy. It allows qualifying individuals and families to discharge most unsecured debts—such as credit cards, personal loans, and medical bills—while keeping exempt property under Oregon law. Our team will assess your eligibility, protect your assets, and manage the entire filing process from start to finish, ensuring that nothing is overlooked.
• Chapter 13 Bankruptcy. Chapter 13 is designed for those with steady income who need to reorganize their debt rather than eliminate it entirely. We help clients propose structured repayment plans—typically over three to five years—that allow them to catch up on mortgage arrears, car payments, and other secured debts while stopping foreclosure and creditor actions. This option can be a powerful tool for preserving assets while regaining control of your finances.
• Foreclosure Defense. If your home is at risk, acting quickly is critical. Bankruptcy can temporarily or permanently halt foreclosure proceedings, depending on your situation. Our attorneys analyze every angle—including automatic stay protections, Chapter 13 repayment options, and loan modification possibilities—to protect your home and provide breathing room to explore solutions.

Related Financial Legal Support

• Creditor Negotiation. Not every situation requires a bankruptcy filing. In some cases, negotiating directly with creditors can lead to reduced balances, lower interest rates, or more manageable payment terms. We evaluate whether negotiation or settlement offers a better outcome for your specific circumstances before recommending bankruptcy.
• Asset Protection Strategies. Oregon law provides exemptions that allow individuals to keep essential property, but the rules can be complex. We help clients understand what property is protected, how to legally structure exemptions, and how to maximize what they can keep through careful planning and strategic filings.
• Integrated Legal Counsel. Financial issues rarely exist in a vacuum. Bankruptcy may intersect with divorce, child support obligations, estate planning, or business ownership. Because Pacific Cascade Legal is a full-service firm, our attorneys collaborate across practice areas to ensure your financial strategy aligns with your broader legal and personal goals.

Understanding Bankruptcy in Oregon

Bankruptcy is a legal process designed to give individuals and families a fresh financial start, but it’s not a one-size-fits-all solution. Understanding how it works and what it can and cannot accomplish can help you make informed decisions.

Bankruptcy can help you:

• Eliminate or restructure overwhelming unsecured debt.
• Stop lawsuits, wage garnishments, and harassing creditor calls through the automatic stay.
• Prevent or delay foreclosure, repossession, or utility shut-offs.
• Begin rebuilding credit after discharge.

However, bankruptcy will not:

• Automatically wipe out child support, spousal support, or certain tax debts.
• Discharge most student loans (with limited exceptions).
• Remove secured liens on property without specific legal steps.

Our attorneys explain these distinctions clearly and help you determine whether Chapter 7, Chapter 13, or an alternative strategy fits your situation best.

Our Bankruptcy Process

Navigating bankruptcy can feel intimidating, but our structured, hands-on approach ensures that you always know what to expect:

1. Initial Consultation: We review your financial situation in detail and discuss all available options, not just bankruptcy.
2. Case Preparation: Our team gathers financial records, completes necessary forms, and builds a strategy tailored to your goals.
3. Filing & Automatic Stay: Once your case is filed, collections stop immediately, providing breathing room while legal proceedings begin.
4. Trustee & Creditor Meetings: We guide you through mandatory hearings, representing your interests at every stage.
5. Plan Confirmation or Discharge: Depending on the chapter, we finalize a repayment plan or secure a discharge of eligible debts.
6. Post-Bankruptcy Guidance: We help you understand the next steps for rebuilding credit and maintaining financial stability.

Salem, OR Bankruptcy FAQ

Do I have to go to court if I file for bankruptcy?

In most cases, you will not need to appear in a traditional courtroom. However, you must attend a meeting with the bankruptcy trustee (called a 341 meeting). Your attorney will prepare you for this and represent you throughout the process.

Will filing for bankruptcy stop creditor calls and lawsuits?

Yes. The automatic stay takes effect immediately upon filing, stopping most collection actions, wage garnishments, lawsuits, and foreclosure proceedings.

Can I keep my house or car if I file for bankruptcy?

In many cases, yes. Oregon’s exemption laws allow many filers to keep their primary residence, vehicles, and essential property. Chapter 13 can also be used to catch up on missed payments and avoid foreclosure.

How long does bankruptcy stay on my credit report?

Chapter 7 typically remains on your credit report for up to 10 years, and Chapter 13 for up to 7 years. Many clients begin rebuilding credit much sooner through responsible financial management after discharge.

How much does it cost to file for bankruptcy?

Costs vary based on case complexity and the chapter filed. During your consultation, we’ll provide a clear breakdown of all fees and help you understand payment options.

Are there alternatives to bankruptcy?

Yes. For some clients, debt negotiation or other legal strategies may be more appropriate. Our team evaluates all options before recommending bankruptcy to ensure it aligns with your goals.

Speak with a Salem Bankruptcy Lawyer

Financial stress doesn’t have to define your future. At Pacific Cascade Legal, our Salem bankruptcy attorneys can help you take control of your finances, protect your assets, and build a foundation for a more secure tomorrow.

Call (503) 427-9033 or contact us online to schedule your consultation.