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Welcome to our mini-website for Oregon consumer law. The attorneys of Baxter & Baxter, LLP, are dedicated advocates for consumers. Baxter & Baxter, LLP, is a Pacific Northwest consumer protection law firm with offices in Oregon and Washington. To visit our firm’s main website, visit www.baxterlaw.com.

The Oregon consumer protection lawyers of the Consumer Litigation Group represent individuals in cases with false credit reports, identity theft cases, unlawful debt collection cases, and consumer fraud cases. The Portland Oregon bankruptcy attorneys, Hillsboro, Oregon bankruptcy attorneys, Oregon City bankruptcy attorneys, and Vancouver Washington bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcy. Our mission of committed and zealous consumer advocacy is unrivaled, and our track record of excellence and professionalism is recognized nationwide.

This site includes an aggregation of news stories about business, finance, and politics that bears upon our consumer protection and bankruptcy practice. We hope you will find the stories interesting and useful. For more information about our firm, please visit our main website at www.baxterlaw.com.

“We are a debt relief agency. We help people file for relief under the Bankruptcy Code.”

How to Dispute False Credit Reports

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How to Dispute False Credit Reports
Posted Tue, 01/17/2006 – 01:00 by jbaxter

Under the Fair Credit Reporting Act, consumers have the right to dispute false information in their credit reports. Under ordinary circumstances, credit reporting agencies and creditors are required to conduct an investigation in response to such a dispute.

It is not necessary to pay anyone to write a dispute letter — you can do it yourself for free. Below is a short description of the process for disputing false information on your credit report.

1. Get a copy of your credit report. Under the Fair and Accurate Credit Transactions Act (FACTA), you are entitled to a free copy of your credit report each year. If you have been denied credit, you are also entitled to a free copy of your credit report.

While it is possible to access your credit report online, some credit reporting companies require consumers to give up important rights in order to access their credit report through their website. Also, it can be confusing navigating the many links to purchase services that you do not necessarily need. A better way is to request it by mail.

Consumers can request their free annual credit report by writing to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The request form is available at the annualcreditreport.com website.

2. Send a written dispute letter to the credit reporting agencies. Write a polite, professional letter detailing exactly what is incorrect and why. Be specific. Enclose documentation, such as police reports, correspondence with your creditors, and any additional information documentation you have. Tell the credit reporting agency if you are being prevented from obtaining credit, such as a mortgage, credit card, or auto loan, or if you are being harmed in other ways.

Send your letter via certified mail, with a return receipt requested. Keep a copy of your signed, dated letter, along with copies of enclosures.

West Linn Girl Scouts help Oregon Food Bank by packing 9,477 pounds of onions

West Linn Girl Scout Troop 42682 packed 9,477 pounds of onions at the Oregon Food Bank before the holidays. Seven Girl Scouts along with friends, family and leaders brought the total of volunteers to 21. The group's organizer, Becky Burkeen, said they packed plastic potato sacks with five-pound batches of red onions donated by a local farmer. "They quickly...

west_linn_girls_scouts_food_bank.JPGView full sizeCelebrating a volunteer stint at Oregon Food Bank are (from left) Lilly Roms, Haleigh Burkeen, Kendall Macdonald, Susie Walters, Alex Burkeen, Kyla Wheeler, Audrey Cota-Davis and Caroline Brandeberry.
West Linn Girl Scout Troop 42682 packed 9,477 pounds of onions at the Oregon Food Bank before the holidays. Seven Girl Scouts along with friends, family and leaders brought the total of volunteers to 21.

The group's organizer, Becky Burkeen, said they packed plastic potato sacks with five-pound batches of red onions donated by a local farmer.

"They quickly discovered that about eight onions equaled the five pounds," she said, noting that they worked for an hour and 20 minutes. "Once the giant bins were filled, the girls got to ring a bell and everyone hooted and hollered with excitement."

In addition, they received a tour of the facility.

"The girls were surprised to hear that the entire warehouse of food could be easily emptied by all of the hungry people in Oregon in just two weeks," Burkeen said. "They were also surprised to hear that the majority of people who go to local food pantries for emergency food supplies are families with one working parent."

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West Linn Cub Scout Pack 149 Pancake Breakfast set for Saturday Jan. 28, 2012

West Linn Cub Scout Pack 149 is hosting its annual Pancake Breakfast from 7 a.m. to 11 a.m. on Saturday Jan. 28, 2012. The annual tasty fundraiser returns to Willamette Christian Church which is located at 3153 S Brandywine Drive in West Linn. Tickets are $ 3.50 at the door. The all you can eat meal includes pancakes, sausage, orange...

West Linn Cub Scout Pack 149 is hosting its annual Pancake Breakfast from 7 a.m. to 11 a.m. on Saturday Jan. 28, 2012.

The annual tasty fundraiser returns to Willamette Christian Church which is located at
3153 S Brandywine Drive in West Linn.


Tickets are $ 3.50 at the door. The all you can eat meal includes pancakes, sausage, orange juice, coffee.

For questions, contact Pack Leader Dave Neumeier at
davidneumeier@gmail.com
CORNELIA SEIGNEUR Website

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West Linn Chamber of Commerce celebrates new office in Willamette neighborhood

The West Linn Chamber of Commerce hosted its grand opening last week to celebrate moving into the Willamette area of West Linn. About 50 people walked in to enjoy refreshments and network while admiring the new office space, at 1745 Willamette Falls Drive. The chamber staff have been slowly settling in from their December move from the Bolton area....

West_Linn_Chamber.JPGView full sizeChristina Romaniuk (left) and Darlene Olson are co-office managers at the West Linn Chamber of Commerce.
The West Linn Chamber of Commerce hosted its grand opening last week to celebrate moving into the Willamette area of West Linn.

About 50 people walked in to enjoy refreshments and network while admiring the new office space, at 1745 Willamette Falls Drive. The chamber staff have been slowly settling in from their December move from the Bolton area.

"It is wonderful to be here," said Christina Romaniuk, office co-manager, who has been with the chamber through three moves. She says the historic Willamette location is "bright and cheery and visible. It is great to see people walking in front of us. I am occasionally tempted to wave at people to come in." 


New office hours are 9 a.m. to 4 p.m. Monday through Friday. For more information, call 503-655-6744 or visit westlinnchamber.com
DSC_0364.JPG

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Jazz musician with West Linn roots returns to Rosemont Ridge Middle School as guest instructor

Hailey Niswanger, a 2004 graduate of Rosemont Ridge Middle School, recently returned to her alma mater to teach Jazz Band One, which she was a part of as a student. Teacher Ronnie LaGrone, who started the jazz band while Niswanger was at Rosemont, said of past students who have continued with their music, "I consider them to be professional...

Hailey_Niswanger_Rosemont_Ridge.JPGView full sizeRosemont Ridge Middle School students (from left) Will Glausi, Drew Daugherty and Zane Leonard take a special jazz band class with Rosemont alumna Hailey Niswanger. She, too, studied under Ronnie LaGrone (right) while at Rosemont.
Hailey Niswanger, a 2004 graduate of Rosemont Ridge Middle School, recently returned to her alma mater to teach Jazz Band One, which she was a part of as a student.

Teacher Ronnie LaGrone, who started the jazz band while Niswanger was at Rosemont, said of past students who have continued with their music, "I consider them to be professional and it's a great opportunity for them to give back."

"For students, they can see that, 'Wow, this is someone who walked through my shoes.' It lets them know that it is achievable, that they can have that if they want it," LaGrone said.

Niswanger, 21, graduated in December from Berklee College of Music in Boston with a bachelor's degree in jazz performance and moves to New York this month to perform and teach. She released her first album, "Confeddie," in 2009 and has another one due out in March.

Niswanger has fond memories of LaGrone, recalling, "He was excited to be there and got us excited as well."

On the day of her visit, she said to students, "You have to have some feelings behind the notes you play. There is so much beyond the page."

She also believes in the value of mentorships. Since 2005, Niswanger has been mentored by Portland jazz trumpeter Thara Memory, with whom she did a concert this month at Jimmy Mak's.
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Sports Spotlight on Branden Brooksby, a West Linn High Swimmer

Name: Branden Brooksby Age: 18 Hometown: West Linn Grade/school: Senior, West Linn High School Team: Varsity swimming Coaches: Katie Wilson, Maclain Marsh Highlights: "For the team, we had a strong showing at Three Rivers League Relays and a recent win over Canby. Individually, I normally swim the 50 freestyle, 100 freestyle, 200 freestyle relay or 200 medley relay (freestyle)...

branden-brooksby.jpgView full sizeBranden Brooksby, West Linn Lions
Name: Branden Brooksby

Age: 18

Hometown: West Linn

Grade/school: Senior, West Linn High School

Team: Varsity swimming

Coaches: Katie Wilson, Maclain Marsh

Highlights: "For the team, we had a strong showing at Three Rivers League Relays and a recent win over Canby. Individually, I normally swim the 50 freestyle, 100 freestyle, 200 freestyle relay or 200 medley relay (freestyle) and 400 freestyle relay. I am consistently getting better, currently swimming a high 22 seconds and hope to break 21 seconds by the end of the season in the 50 freestyle."

How he got started: "I joined my freshman year."

Coaches' advice: "Practice hard."

Favorite part of sport: "Competing at meets every Thursday."

Favorite meal the night before the big event: "Pizza."

Off-season? "Just finished up with football, looking forward to playing rugby in the spring."

Rules to live by: "Everybody Wang Chung tonight."

On his iPod: "A little bit of everything."

On his nightstand: "A Thousand Splendid Suns" by Khaled Hosseini, Calvin and Hobbes.

The one thing someone may not know about him: "My two front teeth are fake."

What's next? "Preparing for districts and state meet."
Cornelia Seigneur

-- Cornelia Seigneur

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Sports Spotlight: Curtis Klein, West Linn High swim team and Tigard Tualatin Swim Club

Name: Curtis Klein Age: 16 Grade/school: Junior at West Linn High School Teams: West Linn High varsity swim team and Tigard Tualatin Swim Club Coaches: Katie Wilson, West Linn High, and Jeanine Serrano, Tigard Tualatin Swim Club Highlights: "I competed at the Winter Junior National Championships in Austin, Texas, the second weekend in December representing Tigard Tualatin Swim Club. I...

Name: Curtis Klein
1-7-12-CurtisKlein-20110811_0154.JPG

Age: 16

Grade/school: Junior at West Linn High School

Teams: West Linn High varsity swim team and Tigard Tualatin Swim Club

Coaches: Katie Wilson, West Linn High, and Jeanine Serrano, Tigard Tualatin Swim Club

Highlights: "I competed at the Winter Junior National Championships in Austin, Texas, the second weekend in December representing Tigard Tualatin Swim Club. I achieved personal best times in all my events and finished 18th in the 100-yard backstroke and the 200-yard freestyle. And, competing for the West Linn High swim team, I won the 100-yard backstroke and the 200-yard freestyle in a meet against Canby High, and I was also on the 200-yard medley relay and the 400-freestyle relay and we won both of those against Canby."

How he got started:
"My parents threw me in the water and I've been swimming ever since."

Coaches' advice: "Swim fast."

Favorite part of sport: "Hanging with friends at swim meets."

Favorite meal the night before the big event: "Fish, cheeseburgers or burritos."

Off-season? "Swimming has no 'off-season.' "

Rules to live by: "Make a big splash!"

On his iPod: "AC/DC and Def Leppard."

On his nightstand: "The Complete Sherlock Holmes."

One thing someone may not know about him: "I like to take things apart, even though I can't always put them back together."

Cornelia Seigneur
Email: Cornelia Seigneur




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Robinwood receives grant to plant and organize garden beds and community garden

The Friends of Robinwood Station celebrates the New Year with the announcement that they have received $ 7,660 from Clackamas County's "Healthy Eating Active Living" grants program for its "Robinwood Station Community Center Edible Landscaping" project. A Kickoff informational meeting is set for 7 p.m., Thursday, Jan. 19 at the Station, located at 3706 Cedaroak Drive in West Linn....

The Friends of Robinwood Station celebrates the New Year with the announcement that they have received $ 7,660 from Clackamas County's "Healthy Eating Active Living" grants program for its "Robinwood Station Community Center Edible Landscaping" project.

DSC_0113.JPG

A Kickoff informational meeting is set for 7 p.m., Thursday, Jan. 19 at the Station, located at 3706 Cedaroak Drive in West Linn.

Lisa Clifton and Randall Fastabend were the grant writers while Lorie Griffith and Anthony Bracco acted as consultants for the project; and Liz Hayes has been an active volunteer.

"The vision for the garden is to be a place where community members can gather to be outside and socialize with their neighbors, and grow and harvest organic food," said Clifton, program coordinator.

Fastabend added that they also hope "to provide a showcase for healthy eating and active living for all of West Linn."

Clifton is involved with Oregon City Local Harvest 2020, an organization working towards encouraging both individual and groups to grow and eat locally produced foods. When she heard the discussion regarding how to landscape the Robinwood Station property, she thought, "what if we could put in food?'

"I believe we need to produce more food locally that's available right here," said Clifton, who lives minutes away from the Station.

The Robinwood Station project will plant and harvest seven raised beds with a variety of vegetables as well as two handicapped accessible plots. They will also have fruit trees and berries.

And, part of the grant is to create garden beds at local apartment complexes.

"Having activities for high density apartment complexes is what sets our project apart," said Fastabend.

The West Linn non-profit was one of 15 county groups to receive part of $ 102,482 in the HEAL grants program, which is offered through the Clackamas County Health, Housing and Human Services (H3S) department, said Kirsten Ingersoll, Community Engagement Coordinator, Clackamas County Community Health Division.


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Saxonphonist Hailey Niswanger returns to West Linn and Jimmy Maks for performance

West Linn's Hailey Niswanger, a 2008 West Linn High graduate and standout saxophone player who recently graduated from Berklee College of Music in Boston, will  be performing at Jimmy Mak’s on January 6th with Thara Memory. The evening of Soul Jazz, highlighting the music of Cannonball Adderley, Eddie Harris, and Lou Donaldson, begins at 8 pm Friday. Jimmy Mak's is...

West Linn's Hailey Niswanger, a 2008 West Linn High graduate and standout saxophone player who recently graduated from Berklee College of Music in Boston, will  be performing at Jimmy Mak’s on January 6th with Thara Memory.

The evening of Soul Jazz, highlighting the music of Cannonball Adderley, Eddie Harris, and Lou Donaldson, begins at 8 pm Friday. Jimmy Mak's is located at 221 NW 10th in Portland, and can be reached at 503-295-6542.
Hailey Niswanger

Cornelia Seigneur
HN_album_bcover_2.jpg





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