Links

Links

The links below include helpful information about filing bankruptcy in Oregon. These links are not associated with Armstrong Bankruptcy Law Offices, and clicking a link will take you to a site outside of armstrongbankruptcy.com

Credit Reports Many for-profit companies advertise "free credit reports" only to lure consumers into expensive financial services memberships that claim to monitor their credit or protect them from identity theft. What's more, those memberships are often automatically renewed at the same high rate unless the consumer calls to cancel, a process that can be difficult and time consuming.

However, all consumers are entitled by law to a free credit report once per year from each of the three major reporting agencies. The link below is the only official site designated by the Federal Trade Commission through which all US consumers may order their credit reports free of charge. If you prefer to order your reports by phone, you may call 1-877-322-8228.

www.annualcreditreport.com

Credit Counseling The following agencies are approved by the department of justice to offer online credit counseling and debtor education classes as required by the bankruptcy code. This is only a partial list, and Armstrong Bankruptcy Law Offices does not guarantee the accuracy of this list. For a complete and current list of all certified agencies, check with the US Department of Justice or your attorney.

Money Management International Inc.
149 W. 12th, Eugene,OR 97401
(541) 342-4450 or 877-918-2227
www.moneymanagement.org
Cricket Debt Counseling & Solid Start Financial
866-719-0400
www.cricketdebt.com (online counseling available in English, Spanish and Chinese)
Debt Reduction Services
1200 Executive Parkway, Ste. 260, Eugene, OR 97401
(541) 344-0200 or 877-688-3328
www.debtreductionservices.org

General Consumer and Bankruptcy Information The sites below may provide useful information about debt, bankruptcy and other consumer issues. They are not maintained or endorsed by Armstrong Bankruptcy Law Offices.

Frontline: The Secret History of Credit Cards An interview with Elizabeth Warren, Harvard Law Professor and author of the book The Two-Income Trap: Why Middle Class Mothers and Fathers Are Going Broke. The interview originally appeared on a PBS Frontline program that traced the history of credit and the role of credit card companies in America.
Federal Trade Commission (FTC) The US Federal Trade Commission's site for consumers, including information on credit cards, loans, and identity theft. The FTC offers many free or low-cost publications and a video library to educate consumers about their rights and responsibilities.
Bankruptcy Basics The Federal Judiciary "Bankruptcy Basics" site includes a great bankruptcy terminology glossary and a helpful video summary of the bankruptcy process.
Consumer Jungle This non-profit site is designed to educate teen and young adult consumers on issues like credit cards, auto loans, and cell phone contracts. Information is delivered through a series of interactive quizzes, games, worksheets and videos.
How to Dispute Credit Report Errors This FTC site explains why it's important to monitor your credit report, and includes instructions to correct errors when you find them. There's even a sample letter to send to a credit reporting agency if you need to dispute a reported item.

The information on this site is provided for informational purposes only. This site is not intended to provide legal advice, and is not guaranteed to be correct, complete, or up-to-date. Use of this site does not establish an attorney-client relationship. Armstrong Bankruptcy Law Offices is a debt relief agency.