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Bankruptcy in Oregon: Exemptions and Filing Guide

State-specific bankruptcy exemptions and filing information for Oregon. These exemptions determine what property you can keep when filing Chapter 7 bankruptcy.

Data last updated: Jan 15, 2025

Key Takeaways

  • Homestead exemption: $40,000 ($50,000 for joint filers).
  • Vehicle exemption: $3,000.
  • Must use state exemptions (no federal option).
  • Attorney fees: $1,200–$2,000 (Ch. 7) / $3,000–$4,500 (Ch. 13) typical.
$40,000 ($50,000 for joint filers) Homestead exemption
$3,000 Vehicle exemption
No Federal option
$338 (Chapter 7) / $313 (Chapter 13) Filing fee

Oregon Bankruptcy Exemptions

  • Homestead$40,000 ($50,000 for joint filers)
  • Vehicle$3,000
  • Personal property$3,000 household goods; $1,800 jewelry
  • Wildcard$400 in any property
  • Federal exemptionsNot available

Means Test: Oregon Median Income

To qualify for Chapter 7 in Oregon, your income must be below the state median or you must pass the means test showing no disposable income for creditors.

  • 1 person$61,200
  • 2 people$77,400
  • 3 people$87,600
  • 4 people$101,800

Filing Costs

  • Court filing fee$338 (Chapter 7) / $313 (Chapter 13)
  • Typical attorney fee$1,200–$2,000 (Ch. 7) / $3,000–$4,500 (Ch. 13)
  • Court districtsDistrict of Oregon

Oregon bankruptcy court

Related Resources

Frequently Asked Questions

  • What is the homestead exemption in Oregon?

    Oregon provides a $40,000 homestead exemption ($50,000 for joint filers), which is relatively low for a West Coast state with high property values.

  • Can I use federal exemptions in Oregon?

    No. Oregon requires the use of state exemptions.

  • What is the vehicle exemption in Oregon?

    Oregon allows a $3,000 motor vehicle exemption.

  • Does Oregon have any unique exemptions?

    Oregon provides a unique exemption for tools of trade up to $5,000 and allows debtors to protect up to $600 in a bank account used for Social Security or public assistance.

Legal Disclaimer: FreeNetLaw provides general legal information, not legal advice. The information on this site is not a substitute for consultation with a licensed attorney. Laws vary by jurisdiction and change frequently. Always verify information with official sources and consult a qualified attorney for advice about your specific situation.

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