Oregon Judgment Enforcement Guide | Debt Collection & Skip Tracing

Oregon Judgment Enforcement — Quick Facts

10 yrs

Judgment Lifespan

6 yrs

Debt SOL (Written)

Post-Judgment Interest

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COMMUNITY PROPERTY STATE

Oregon provides a 10-year judgment lien with a 9% post-judgment interest rate. Wage garnishment is available with standard federal limits, and the homestead exemption of $40,000 leaves meaningful equity exposed in most cases. Bank levies and property liens are both effective enforcement tools.

Oregon Statute of Limitations on Debt

Debt Type	Limitation Period	Statute
Written Contract	6 years	`ORS §12.080`
Open Account / Credit Card	6 years	`ORS §12.080`
Oral Contract	6 years	`ORS §12.080`
Promissory Note	6 years	`ORS §12.080`
Judgment Lien	10 years	`ORS §18.180`

Oregon’s 6-year SOL for written contracts is standard in the Pacific Northwest. Partial payments restart the statute under ORS §12.270.

Post-Judgment Interest Rate

Oregon post-judgment interest accrues at 9% per annum under ORS §82.010. Interest is simple and begins on the judgment date.

Judgment Recovery Methods in Oregon

Wage Garnishment yes

Oregon allows wage garnishment of 25% of disposable earnings under ORS §18.385. Employer receives a writ of garnishment and must withhold. The debtor receives notice and may claim exemptions.

Bank Account Levy yes

Bank account garnishments are available after judgment under ORS §18.615. Financial institutions must hold garnished funds pending exemption review.

Abstract of Judgment / Lien yes

Recording a certified judgment in the county lien docket creates a lien on all non-exempt real property in that county (ORS §18.170). Lien lasts 10 years.

Turnover Order yes

Oregon courts may issue supplemental proceedings (ORS §18.265) compelling debtors to disclose and turn over non-exempt assets.

Writ of Execution yes

Writs of execution allow the sheriff to levy on non-exempt personal property (ORS §18.252).

Vehicle Levy yes

Oregon exempts one motor vehicle up to $3,000 in equity under ORS §18.345(1)(d). Additional vehicles or equity above the cap may be levied.

Debtor Exemptions

Asset Type	Exemption Amount	Statute
Homestead	$40,000 ($50,000 married)	`ORS §18.395`
Motor Vehicle	$3,000 equity	`ORS §18.345(1)(d)`
Wages	75% of disposable earnings	`ORS §18.385`
Personal Property	$400 per item / $800 per pair	`ORS §18.345`
Retirement	All ERISA-qualified plans	`ORS §18.358`

Judgment Value Calculator

Estimate Your Oregon Judgment Value

Original Judgment ($)

Annual Interest Rate (%)

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Official Oregon Resources

Oregon Courts – OJD Case SearchCivil case records statewide Oregon SOS – Business Registry SearchEntity & registered agent lookup Oregon County Clerk – Judgment LiensReal property & lien filings Oregon Revised Statutes – LegislatureOfficial state code

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Disclaimer: This page is for informational purposes only and does not constitute legal advice. Statutes change — verify current law with a licensed Oregon attorney before taking collection action.