Significant changes in the federal bankruptcy laws were enacted in 2005. However, many people overreact due to the misleading information about what these changes mean to the average American. Bankruptcy is still available as a remedy for most people.  At Portland Bankruptcy .Net, we provide complete information of bankruptcy law to help you understand what your financial options are and to help you make the right decision in eliminating your debts.  Information on this site is put together to cater people in the state of Oregon.  However, the bankruptcy code is a federal law and thus applies to all states.  In bankruptcy proceedings, not only the federal bankruptcy law, but the state's non-bankruptcy law also governs your case such as the exemption law, Article 9 matters, community property law, and more.  Information on this site is NOT A LEGAL ADVICE.  We do not currently provide attorney services although in near future, bankruptcy services will be available throgh our bankruptcy attorneys.   Although an individual can learn enough about bankruptcy law to file his or her own case, it is often advised to hire an attorney because strategic planning is essential in filing your bankruptcy for the best result that can save you tens of thousands of dollars in some cases. Bankruptcy lawyers who deal with bankruptcy issues professionally can help you avoid mistakes and maximize your chances to successfully file your bankruptcy claim.  Consult a Portland bankruptcy attorney in your area if you end up having more questions than answers about your case.