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September 2014 Archives

Abusive debt collection practices are illegal

Over the past few decades, the practices of many debt collectors have negatively affected residents in Oregon and throughout the country. While it’s understandable that companies want to receive the money that is owed to them, some of the collection agencies utilized by lenders have resorted to practices that are deemed unfair and abusive by consumer protection groups and the government.

Creditors can take up to 25 percent of Oregon residents’ wages

Many people who are suffering from overwhelming debt still want to make good on their payments. Unfortunately, some unforeseen circumstances such as unemployment or a medical emergency can make it impossible to stay current on bills. It can help when creditors are understanding and work with their customers, but a disturbing trend that’s happening to millions of consumers in Oregon and throughout the country shows that this is not always the case.

Debunking common bankruptcy myths

Filing for bankruptcy can be a stressful event for Oregon residents, but it doesn’t have to be the end of the world. Unfortunately, myths on the topic abound that can discourage many people who desperately need the help that a bankruptcy can provide, from ever considering this option.

How can I tell if I’m ready to file for bankruptcy?

Many Oregon residents are feeling the financial pinch from today’s difficult times. If you’re suffering from unemployment, insurmountable credit card or medical debt, or facing a foreclosure, you may be wondering what options are available to help you through this phase of life.

Wise credit card management required to repair credit

With the financial challenges that are so common today among Oregon residents, it might seem counterintuitive to consider having a credit card to improve or repair one’s credit after a bankruptcy or other financial recovery, especially if previous credit card debt contributed to financial woes. However, responsibly managing a credit card is one of the most effective ways to improve credit. The following points should be considered before opening a new credit card account:

Office Locations

The Law Office of Kim Covington

Eugene Office
1445 Willamette Street, Suite 9
Eugene, OR 97401

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Albany Office
1135 Dale Street SE, Suite #B
Albany, OR 97321

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Roseburg Office
1701 West Harvard, Suite 201
Roseburg, OR 97470

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Phone: 541-393-2790
Toll Free: 800-673-1891
Fax: 541-344-6466
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