Chapter 7 * cases starting at $1000 in attorney fees plus court filing fees of $338
Chapter 13 * cases starting at $750 down which includes the filing fees and then hourly work will be billed
* Please note that all cases require a full consultation before an individual attorney fee quote can be made

Payment Plans Available. Call For A Free 1-Hour Consultation. 

A+ Premier Attorney Rating | The National RegistryA+ Premier Attorney Rating | The National Registry
Awarded | Top 100 Bankruptcy | Blog
A+ Premier Attorney Rating | The National Registry
Photo of Kim Covington

A Personalized, Sensitive
Approach To Bankruptcy

  1. Home
  2.  » 
  3. Bankruptcy Overview
  4.  » Second Mortgages

Dealing With Second Mortgages In Bankruptcy

Many homeowners in Oregon have used second mortgages to make improvements to their homes or obtained a home equity line of credit as a source of additional financing. As the economy ebbs and flows and the housing market follows it course, second or third mortgages can place a real financial strain on the household budget. When combined with outstanding medical bills, student loans, credit card debt, personal loans, tax debts and other obligations, financial burdens can become overwhelming. Moreover, if the value of the home falls below the overall balance of debt due on the home, options for improving the financial picture can be limited.

Personalized Legal Solutions To Conquer Debt

At The Law Office of Kim Covington in Eugene, I work with families and homeowners who are struggling with debt. I founded my law practice to provide personalized and discreet legal representation to help members of the community obtain a new financial beginning. As an experienced bankruptcy attorney, I have earned a reputation for my skill in creating innovative solutions to complex debt problems. If you have an unmanageable mortgage structure, are facing foreclosure or need help getting back in control of your finances, I can provide it.

Several options may help you manage your mortgage, while obtaining debt relief under the Bankruptcy Code, including:

  • First and second mortgage modifications
  • Stripping second mortgage liens on underwater homes through Chapter 13 bankruptcy
  • Judicial lien removals to render the second mortgage an unsecured debt

Many individuals and families face financial strife related to different types of debt. Medical bills, credit card debts and personal loans are often the focus of debt relief. However, an unmanageable mortgage may complicate the debt relief process. Eliminating secured debt is important, but looking at the whole picture is often critical in obtaining a true fresh start. I evaluate every detail to obtain optimal results on an individualized basis.

Contact A Skilled Bankruptcy Lawyer In Eugene

To learn more about how my experience and knowledge of bankruptcy law and debt relief options can serve you, please call 541-393-2790 or send me an email to request a free and confidential consultation. I have office in Eugene to serve you, with flexible scheduling available.

Martindale-Hubbell | Client Champion Silver / 2018
Lawyer Monthly | Women In Law Awards 2019
Avvo | Clients' Choice Award 2022 | Kim Sue Covington | 5 Star
Avvo Rating | 9.8 | Kim Sue Covington | Top Attorney
Avvo | Kim Sue Covington | Reviews | 5 Star | Out of 72 Reviews
Best Business of 2024 | Three Best Rated | Excellence | 5 Star

Learn More About Your Fresh Financial Start

The Law Office of Kim Covington, is a woman owned debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 24 years.