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When you accrue so much debt in Oregon that you have no realistic way of paying back what you owe, you may start looking into bankruptcy and considering whether it might help improve your situation. Consumer bankruptcies come in two types: Chapter 7 and Chapter 13...
Many Oregon residents are facing increasingly overwhelming debt. Sometimes, the debt compiles as a result of major medical bills. Other times, it is the result of unemployment or an unforeseen emergency. Regardless of how you accumulate debt, you may be able to find...
One of the most common reasons that people cite for not wanting to file bankruptcy is simply that they believe it will ruin their credit. They are wary of doing anything that will make it harder to get a loan in the future. It is true that bankruptcy can lower your...
Making the decision to file bankruptcy is something you must do with care. It will have an impact on your future, so you want to be sure it is exactly what you need to do. With that in mind, it is a good idea to learn as much as possible about the process before...
After a recent medical diagnosis, you expect to spend more time in medical care facilities. You do not want to add to your current debt woes, but you may not know how to get help paying medical bills. U.S. News & World Report offers tips for navigating medical...
Even with regular income, you may struggle with debt. To regain control of your finances, you may consider options such as filing for Chapter 13 bankruptcy. Before declaring Chapter 13 bankruptcy, you may benefit from understanding some of the upsides and...
Your debt burden may feel dire enough that filing for Chapter 7 bankruptcy maybe your best option to clear your debt and make a fresh financial start. But to qualify for bankruptcy, you want to make sure you do not do anything to endanger the approval of your...
Debt collectors must follow certain guidelines as written under the Fair Debt Collection Practices Act (FDCPA), which banishes the use of harassing or misrepresentative tactics. While harassment often gets media coverage, it is a different story for misrepresentation....
If you are like many Americans, you probably feel a lot of pressure to pay off your debts. Unfortunately, you may have a medical debt to pay off too. Medical debt is common but devastating to a lot of adults and families. Understand the problem of medical debt in the...
A car deficiency is an issue that may arise following a vehicle’s repossession. With a deficiency, what has happened is that the creditor repossessed the vehicle, sold it and didn’t get enough to pay off what you owed. If this happens, a creditor may sue you for the...
The Law Office of Kim Covington is a debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 22 years.
