Oregon Revised Statutes

Or. Rev. Stat. § 115.065 (2026)

Claims on secured debts due

✓ current as of May 2026
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      115.065 Claims on secured debts due. (1) A claim on a debt due for which the creditor holds security may be presented as a claim on an unsecured debt due. A creditor who presents a claim under this subsection does not waive the creditor’s security interest and may recover a deficiency as provided in subsection (5) of this section.

      (2) If the claim is presented, the claim shall describe the security generally. If the security is an encumbrance that is recorded, it is sufficient to describe the encumbrance by reference to the book and page or document number, date and place of recording or filing.

      (3) If the claim is presented and allowed, allowance shall be in the amount of the debt remaining unpaid on the date of allowance.

      (4) If the creditor surrenders the security, payment shall be on the basis of the amount allowed.

      (5) If the creditor does not surrender the security, payment shall be on the basis of:

      (a) If the creditor exhausts the security before receiving payment, unless precluded by other law, the amount allowed, less the amount realized on exhausting the security; or

      (b) If the creditor does not exhaust the security before receiving payment or does not have the right to exhaust the security, the amount allowed, less the value of the security determined by agreement or as the court may order.

      (6) The personal representative may convey the secured property to the creditor in consideration of the satisfaction or partial satisfaction of the claim. [1969 c.591 §146; 1989 c.229 §5; 2017 c.169 §28]

Notes of Decisions
Cited in 2 cases, 1982–1994 · leading case: Meissner v. Murphy, 647 P.2d 972 (Or. Ct. App. 1982).
Meissner v. Murphy, 647 P.2d 972 (Or. Ct. App. 1982). · cites it 2× “ORS 115.065(1). In the present |ase, plaintiff first attempted to collect the amount due on e land sale contract by filing an action for specific |erformance but retaining the security of her lien and oviding for foreclosure if the contract balance were not id within 60 days…”
Heiller v. Nelson, 872 P.2d 26 (Or. Ct. App. 1994). · cites it 10× “ORS 115.065. The plain language of ORS 115.”
— Or. Rev. Stat. § 115.065(1) — 2 cases
Meissner v. Murphy, 647 P.2d 972 (Or. Ct. App. 1982). “ORS 115.065(1). In the present |ase, plaintiff first attempted to collect the amount due on e land sale contract by filing an action for specific |erformance but retaining the security of her lien and oviding for foreclosure if the contract balance were not id within 60 days…”
Heiller v. Nelson, 872 P.2d 26 (Or. Ct. App. 1994). “ORS 115.065. The plain language of ORS 115.”
— Or. Rev. Stat. § 115.065(5) — 1 case
Heiller v. Nelson, 872 P.2d 26 (Or. Ct. App. 1994). “ORS 115.065. The plain language of ORS 115.”
— Or. Rev. Stat. § 115.065(6) — 1 case
Meissner v. Murphy, 647 P.2d 972 (Or. Ct. App. 1982). “ORS 115.065(1). In the present |ase, plaintiff first attempted to collect the amount due on e land sale contract by filing an action for specific |erformance but retaining the security of her lien and oviding for foreclosure if the contract balance were not id within 60 days…”
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