Federal Exemption Use in Oregon Bankruptcy Cases
Starting July 1, 2013, Oregonians can now use the federal exemptions to protect their assets when filing for bankruptcy relief. The federal exemptions are more generous in protecting the personal property that a debtor is entitled to keep, while receiving a bankruptcy order of discharge. A person filing for bankruptcy can now have assets with higher values, and be entitled to keep these assets while receiving a bankruptcy order of discharge. This provides more economic security for the individual or family filing for bankruptcy relief, as you begin your new financial life with your fresh start. Federal exemptions
Financial troubles do not discriminate, especially during hard economic times like these. People from all social, educational, ethnic and professional backgrounds can find themselves with debts they simply cannot afford to pay off.
If you are struggling with debt because of medical expenses, a divorce, a job loss, a business failure, a problematic mortgage or another difficulty, bankruptcy may prove to be helpful to you. As a Eugene attorney for bankruptcy and foreclosure prevention, I am passionate about helping my clients overcome financial obstacles. I devote my practice to advising and representing families and individuals in Oregon.
Bankruptcy Can Stop Harassment, Garnishment, Foreclosure And Repossession
One of the most stressful parts of being in debt is having to answer (or avoid) harassing phone calls from collectors. Other serious problems include the threat of foreclosure, repossession of a vehicle, and garnishment of wages and bank accounts. If bankruptcy is right for you, all of these problems can be stopped through a Chapter 7 or Chapter 13 filing.
A Sensitive, Personalized Approach To Your Financial Situation
As an attorney, I understand the law, and I know how to help my clients utilize the powerful protections offered by the federal Bankruptcy Code. As a human being, I understand the stress that my clients are under.
If you retain me as your lawyer, I will give you the personal attention you deserve and give you honest, practical advice about your financial situation. At all times, I will handle your case in a way that serves your best interests.
Contact A Chapter 7 And 13 Bankruptcy Attorney Serving Corvallis And Eugene | Free Consultation And Flexible Hours
I understand the stresses and time constraints faced by many families and individuals. I offer flexible evening and weekend hours, by appointment, in the Eugene area. Contact me, Kim Covington, to schedule a free consultation.
I charge flat rates, not hourly fees, for individual and small-business bankruptcy filings, and my rates are lower than those charged by many firms. Since it is important for you to understand what bankruptcy will cost you, I can clearly explain these rates during your initial consultation. To make things as easy as possible, payment plans are available.