Debt has become unavoidable for many in our state. However, when it becomes unmanageable, we don't always know where to turn or what our rights are to see us through an often difficult and stressful time. OCJ partnered with two consumer attorneys and a local illustrator to make two comics that help you face this situation with knowledge and confidence.
I have seen people fall into horrible lasting debt from emergency expenses. There needs to be more resources for the low income.
Debt collection and related consumer issues rank in the top five issues impacting Oregonians, according to our statewide findings.
Oregonians experiencing unfair/illegal treatment regarding debt collection in the past 12 months.
A noteworthy 30% of Oregonians say they would not be able to pay an emergency expense of $400.
I'd have to either cut out on essentials, or be forced to sell off investments, making the future more difficult, and everything that I've worked for so far to be ruined.
Check out easy-to-read articles and helpful resources on auto-related topics and consumer justice issues.
The 2025 Oregon legislative session featured an unprecedented number of consumer-centered bills that strengthen transparency and enforcement.
Our comic offers tips and insights for navigating different debt collection tactics with confidence.
Senate Bill 605, which prohibits credit reporting on medical debt, has been passed by the House and the Senate and now moves on to be signed by Governor Kotek. One of OCJ's four priority bills, SB 605 helps defend consumers' financial stability as federal protections weaken.
After two years of strong advocacy by OCJ and our partners, the Family Financial Protection Act (FFPA) passed in 2024 with bipartisan support. The FFPA offers hope to countless families, allowing them to meet basic needs while addressing unowed or incorrect debt through improved exemptions and collection practices. OCJ will continue to prioritize debt-related consumer issues, protecting families as they recover from debt and safeguarding against predatory financial practices.
Our consumer protections are only as strong as the ways we enforce them. These agencies and actions either support debt regulation, provide consumer information, or both.
The CFPB enforces federal consumer financial laws to hold financial service providers accountable for their actions.
Debt collectors must register with DFR, which is part of the Department of Consumer and Business Services, and comply with state and federal fair debt collection laws.
The FTC offers consumers information on navigating debt collection and the Fair Debt Collection Practices Act (FDCPA).
Engage with us and contribute to OCJ's efforts to address debt-related consumer issues.
Learn more about our policy and advocacy efforts. Reach out if you are interested in testifying to lawmakers on behalf of debt-related matters and solutions.
Sharing our stories drives change and supports our communities. Have you faced a debt-related consumer issue that could help others?
Debt-related consumer issues are wide-ranging and take an emotional toll. Do you need help navigating a legal issue related to debt collection?
