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Posts tagged "creditors"

Dealing with credit card debt

If you are currently struggling with credit card debt, you are not alone. A large number of Americans have found themselves saddled with credit card bills that they simply cannot pay off. Huge debts are being racked up across the country. However, there are many options for you to look into that can alleviate some of these debts that have been building up.

Debt collectors pursue one-third of population

While what is termed as the Great Recession of a few years ago is reportedly gone, that does not mean that financial challenges have completely vanished. Many an Oregon resident continues to struggle to wipe out credit card debt or consider bankruptcy as a means to get a fresh financial start. Consumers will always need to balance income with expenses and factors like unemployment, divorce and unexpected medical costs can make that difficult.

Law firm accused of fraudulent debt collection practices

Consumers in Oregon and around the country can become involved in serious situations when debt collection activities go too far. Many credit card companies have been known to or suspected of using inappropriate means to recoup monies owed to them by debtors. Unfair practices for collecting consumer debt can make financial challenges for already-strapped debtors even worse. Many people can feel unsure of where to turn in the face of severe creditor harassment.

Caution urged against credit card scams

High debt of any sort can be extremely troubling for residents in Oregon. The cause of financially challenging times can range from unemployment to unmanageable credit card debt and more. Medical conditions can also exacerbate situations and force people to rely on credit cards or other forms of unsecured debt for even basic living needs. Consideration of Chapter 7 or Chapter 13 bankruptcy often becomes one way that debtors look for help in these situations.

Creditor judgments deemed invalid by State Attorney General

Debt collection activities can cause great stress and challenges for Oregon consumers. Credit card companies or other businesses can aggressively pursue debtors who cannot afford minimum payments or who are behind on some bills. Many people who face severe creditor harassment may not always know how to get help with either the collection actions or the debts involved.

Understanding wage garnishment

Oregon residents who have struggled to make ends meet in recent years due to unemployment, high medical bills or other situations understand the challenges that can result. High debt can lead to consideration of bankruptcy or repossession of a vehicle. Some creditors may also choose to garnish your wages in order to reclaim some of the debt owed to them.

Credit card debt rate increases as economy strengthens

As the national economy works to continue rebounding, Oregon residents also look to the state and local pictures for signs of ongoing improvement. During the recessionary years, many people throughout Oregon were hit hard by credit card debt, unemployment, medical expenses and more. Some people chose to file for bankruptcy, others worked with creditors to identify acceptable payback options. Still more struggled with delinquent payments and high interest charges. Ironically, credit card debit is associated with both financial challenges and a healthy economy.

2014 targeted as year to pay off credit cards for many Americans

Oregonians, like their counterparts in other states, have felt the financial challenges of the recent years. While our nation continues to struggle to recover from the latest recession, individual citizens remain committed to repairing their financial health as well. For some people, concerns about credit card debt are at the top of their list for what areas they wish to focus on in this New Year.

Common questions about wage garnishment, answered

When consumers take on more debt than they can handle, creditors sometimes turn to wage garnishment to collect the outstanding balance. Since there are a lot of questions surrounding this form of collection, we thought our readers in Lane County who are being harassed by creditors threatening to garnish your wages would be interested to learn more about the process as well as your legal rights.

Pay off high APR credit cards first to eliminate debt in Oregon

Many residents of Oregon want to eliminate their debt and find a fresh financial start. Those who have large amounts of debt from student loans, auto loans, credit cards, and other debts, however, feel overwhelmed and have a lot of questions. Is it best to make a small payment to all of different creditors each month, start by paying off the lowest debt first or focus on paying off their credit card debt?

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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