Get A Fresh Start Through Chapter 7 Bankruptcy

It can be difficult to know where to turn when overwhelming debt, collection calls and collection actions such as wage garnishment become a significant part of your life. At The Law Office of Kim Covington in Eugene, I have substantial experience helping people throughout Oregon obtain relief from debt through Chapter 7.

Get Relief From Credit Cards, Medical Bills, Personal Loans And Other Problem Debt

Chapter 7 bankruptcy, sometimes referred to as liquidation, is the chapter of the federal Bankruptcy Code used most commonly by consumers who cannot afford to pay off all their debts. Filing under Chapter 7 will result in an order of discharge of many kinds of debt, especially unsecured debts like credit cards, medical bills and personal loans. This means that those debts are essentially done away with, and the filer gets a fresh financial start for the future.

As a bankruptcy attorney, I have helped many Oregon families get out of debt and stop creditor harassment. If bankruptcy is right for you and you qualify for Chapter 7, I can help you get relief. If Chapter 13 is more appropriate because of your income or your desire to keep a home or vehicle, I can advise you regarding that chapter.

What About Secured Debts?

You can choose to keep or surrender secured debts in Chapter 7 bankruptcy. Secured debts include auto loans and home mortgages. When you keep a secured debt, you will keep the item you are purchasing, continue to make monthly payments and generally sign a reaffirmation agreement.

Every situation is different, and bankruptcy is not appropriate for everyone who is in debt. If you have questions about bankruptcy, I can help you understand whether it may be in your best interest.

Contact A Eugene Chapter 7 Bankruptcy Lawyer

I offer superior Chapter 7 bankruptcy relief representation at affordable rates. I understand the stress you are experiencing. Your free initial consultation will help you understand your legal options to conquer your debt problems. To arrange a consultation, send me a message online or call 541-393-2790 or 800-673-1891. I have offices in Eugene, Albany and Roseburg to serve you.