Oregon Employers Can't Use Your Credit Report Anymore When Deciding Whether to Hire You Adam M. Weiner Bankruptcy Layer, Attorney, Credit ReportOn July 1, 2010, Oregon's Job Applicant Fairness Act went into effect making it unlawful for most employers to require a job applicant to provide a credit report when applying for a job. There are some exceptions to this law, which include job applicants for bank jobs, police, security, and/or if credit information "is substantially job related." Nonetheless, this is a powerful law that not many other states have.
IF all of the equity in the home is completely covered by the “senior” mortgage(s), leaving not a penny of equity to cover the next-in-line mortgage or line of credit, then in a Chapter 13 Bankruptcy the junior mortgage and/or line of credit can be stripped away.
If a creditor files a lawsuit against you and gets a judgment, that judgment usually attaches to your home as an involuntary lien against your home’s title, a judgment lien.
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