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Legal Helpers Tip: Unlike many other states which allow you to choose between Federal exemptions and state exemptions, your Oregon bankruptcy lawyers will advise you that you can only use state exemptions in Oregon bankruptcy courts. If you file a Chapter 13 petition, this restriction may not cause you any detriment since you can normally keep most or all of your assets. Most, if not all, experienced Oregon bankruptcy lawyers offer free consultation so you can discuss your options without cost or commitment.