This page provides general legal information and calculation tools, not legal advice. DocketMath is not a law firm and does not provide legal representation, and using this site does not create an attorney-client relationship. Laws change and exceptions apply, so deadlines and amounts specific to your situation should be confirmed with a licensed attorney in your jurisdiction.

Bankruptcy Exemption in Oregon

Oregon’s bankruptcy exemption for wages is governed by ORS § 18.395, which protects 75% of an individual’s disposable earnings from garnishment. This means that in a bankruptcy context, the same statutory protection applies to limit what creditors can reach from a debtor’s wages. The law sets out the calculation based on disposable earnings, and the official source provides the exact formula and any applicable exceptions. A worked example below demonstrates how the 75% figure applies in a typical scenario. For a precise estimate of how this exemption applies to your specific earnings and circumstances, use the DocketMath calculator.

Governing authority

In Oregon, the bankruptcy exemption rule is set by ORS § 18.395. The verified packet cites ORS § 18.395 (https://www.oregonlegislature.gov/bills_laws/ors/ors018.html).

Oregon bankruptcy exemption: the verified value is 75% under ORS § 18.395. The verified packet cites ORS § 18.395 (https://www.oregonlegislature.gov/bills_laws/ors/ors018.html).

Estimate your own result: every situation has exceptions that can change the outcome. Use the bankruptcy exemption calculator to estimate your specific figure.

This page provides general legal information and calculation tools, not legal advice. DocketMath is not a law firm and does not provide legal representation, and using this site does not create an attorney-client relationship. Laws change and exceptions apply, so deadlines and amounts specific to your situation should be confirmed with a licensed attorney in your jurisdiction.