In 2021, Oregon passed HB 2009, a statute that created several important rights for most mortgage borrowers affected by the COVID-19 pandemic. Similarly to its predecessor law (HB 4204), HB 2009 allows borrowers to defer payments during the emergency period, initially defined as January 2021 through June 30, 2021. HB 2009 also creates a moratorium…
Judicial & Non-Judicial Foreclosure Defense
Disputes with Mortgage Servicers and Banks
Problems with Credit Cards and Bank Accounts
Settling and Defending Against Collection of Old Debt
Other Disputes Between People and Businesses
Property Rights of Homeowners’ Survivors
Elemental Law LLC is Committed to Providing Top-Notch and Accessible Legal Services at Affordable Prices.
We accept credit and debit cards, and can sometimes work out payment over time.
Let us know if you need to make special arrangements to hire us.
Some housing and consumer protection problems can be resolved during one hour-long meeting with me. My goal is to help you enough within the first hour that you won’t need to pay for more services. First Meeting: $95
If you want to hire me to do more after the First Meeting, you have two options:
Lawyers usually bill by the hour for their work. I aim to charge affordable hourly rates to make my services accessible to more people.
As an alternative to traditional hourly pricing, I can sometimes bid legal work on a flat fee basis. If you accept the bid, your fees for that work are capped at that amount. Additional work is priced as negotiated after that.
Legal Aid: If you have a civil legal problem and have little income, I encourage you to call your local legal aid office. You may be eligible for high-quality legal help at no charge. Find your local office at Oregon Law Help.
Call ME 503.789.7372schedule a meeting
Hope Del Carlo, Attorney
In 1997, I moved to Portland for law school, I had my kids here, and I stayed. I care about the state of justice in Oregon and my clients’ lives, and I believe in what I do. Homeownership builds family wealth, it stabilizes neighborhoods, and gives people power.
I helped hundreds of people during the Great Recession as the project coordinator for a statewide foreclosure defense project. I’m ready to listen and help you fix your mortgage problems—give me a call.