As you might imagine, there are many steps you must take when you make the decision to file for a Chapter 7 or Chapter 13 bankruptcy. The choices you make before you get to this point may also make a difference between which type of bankruptcy you are approved for or even if a bankruptcy judge approves your request. If you do not complete the steps correctly or make unwise choices before filing, your case could be thrown out. At The Law Office of Kim Covington, we are prepared to assist Eugene clients through these steps, and we also have a full understanding of what they should do before filing.
December 2016 Archives
The Fair Debt Collection Practices Act was put into place to protect residents of Eugene and elsewhere from being abused, harassed and mistreated by companies that are trying to collect debts. If you have debt that was sent to collections, you may be familiar with harassing phone calls and letters by creditors, which may cause you a great deal of stress and, in some cases, could be illegal.
For Eugene residents who are having financial problems, a job interview can be hopeful and exciting. However, some might have been warned that prospective employers conduct credit checks before hiring. It is important to understand what may be conducted during the interview process, as well as whether a credit check by an employer is legally permissible.
Many of our recent posts have addressed the topic of poor credit. If your financial situation is keeping you from paying your bills on time, your credit is going to suffer. Should you be concerned about fixing your credit? The answer depends on how your credit rating may affect you personally and professionally. It is important for you and other Eugene residents to understand how your credit rating factors into your daily life.
In last week’s post, we discussed the requirements you must meet in qualifying for a Chapter 7 bankruptcy. One of them involved undergoing credit counseling. It may help you and other Eugene residents to understand how credit counseling works.