Understanding How Bankruptcy Can Benefit You

Overwhelming debt is often the result of a sudden, unexpected issue such as a medical emergency, divorce or another life-altering event. In other situations, a string of factors work together to create financial strife. Unmanageable debt is never a goal for any individual in Oregon. For many who are overcome with debt, bankruptcy is a viable, effective and time-honored solution.

The Law Office of Kim Covington is a respected, focused bankruptcy law firm in Eugene. I am attorney Kim Covington. I believe that you need to work with an attorney who not only understands what you are going through today, but knows how to get you to a brighter tomorrow.

Being in debt can cause a multitude of problems. Among them are creditor harassment, home foreclosure, vehicle repossession, family problems and difficulties at work.

Certain factors can make bankruptcy more likely. Most are beyond people's control. These include:

  • Divorce or separation
  • A job loss or a work injury
  • Business problems related to the economy
  • Medical bills or expensive medications
  • Being disabled
  • Being a single parent
  • Being owed back child support or spousal support
  • Mortgage problems

Bankruptcy Can Provide Life-Changing Benefits

Consumers and businesses that file for protection under Chapter 7 or Chapter 13 of the federal Bankruptcy Code can enjoy life-changing benefits, including discharge of debts, a fresh financial start and an end to creditor harassment.

If you are overwhelmed with debt, you may find lasting relief through bankruptcy protection. A bankruptcy filing can be leveraged to deal with many kinds of debt such as credit cards, medical bills and other forms of unsecured and secured debt.

Financial Stress And Your Health

I believe bankruptcy can provide tangible health benefits, not just financial improvement, in a person's life. I have seen financial stress lead to physical and mental health problems, including panic attacks, anxiety, depression, muscle soreness, neck tension, increased blood pressure and increased risk of heart attack or stroke — as well as insomnia and arguments with spouses and family members.

What Will Bankruptcy Cost Me?

I charge affordable fees in Chapter 7 and Chapter 13 cases. I like to be open with my clients regarding fees and all other aspects of my practice. I can confirm and clearly explain my rates during a free initial consultation. To make things as easy as possible, payment plans are available.

Contact A Eugene Debt Relief Lawyer | Free Consultation And Flexible Hours

I invite you to contact me to arrange a confidential consultation to discuss whether bankruptcy is the right choice for you. Call 541-393-2790 or 800-673-1891. I have office in Eugene. I understand the stresses and time constraints many families and individuals face. For that reason, I offer flexible evening and weekend hours, by appointment.