If a debtor files a chapter 13 in Oregon the case is open for a much longer period of time because there is a reorganization plan involved. As long as the debtor is making their chapter 13 payments they will receive protection from all of their pre-bankruptcy creditors while in Chapter 13. Chapter 13's generally last between 3 and 5 years. An experienced Oregon Chapter 13 attorney should be able to tell you before filing how long your plan is likely to last.
For more Oregon and Washington bankruptcy information please visit www.pacificbankruptcy.com.