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May 2016 Archives

Should you combine your credit card debts?

According to an ABC News report, the average credit card debt for U.S. households is $8,400. If you are like others in Oregon who are struggling with financial challenges, you may have considered consolidating your debts. At The Law Office of Kim Covington, we know it can be difficult to know whether this might be the right debt relief option for you. To help you make that decision, we will discuss the pros and cons of credit card debt consolidation in this post.

How does Chapter 7 liquidation work?

If you are dealing with financial issues in Oregon, you may have considered filing for Chapter 7 bankruptcy. According to the Internal Revenue Service, this is a debt relief option that is meant to aid those who cannot pay down their debts through regular monthly payments. In order to receive this type of protection, however, you may be required to liquidate certain assets.

Can my retirement be garnished, and what can I do about it?

If you are dealing with serious financial issues, such as unemployment or past due bills, you may be worried that your income could be garnished to pay off your creditors. This is a challenging situation for anyone, but for retired Eugene residents on a fixed income, garnishment can cause a particular hardship. Is it possible that your retirement benefits might be garnished if you are seriously behind on your bills?

What is the Chapter 7 bankruptcy means test?

If you are seeking Chapter 7 bankruptcy protection in Oregon, you must meet certain qualifications. One of these eligibility requirements is the means test. In order to ensure you choose the right debt relief option for your situation, it is important that you understand when the means test is applicable and what it entails.

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