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

Consumers using credit cards with more confidence

On Behalf of | Dec 25, 2013 | Credit Card Debt

In a recent post we offered tips to reduce credit card debt during the holiday shopping season. Still, there will be many people in Lane County who using plastic to purchase all of the gifts, goodies and gadgets on their list, confident that they will have enough money in the coming months to pay the balance down. Statistics show that consumers in Oregon and the rest of the nation are spending more for the first time in a long while.

Consumers appear to be spending with confidence. Revolving credit—of which credit card debt is a large portion of—increased by more than $4 billion during October 2013 according to the Federal Reserve. The government shutdown that left thousands of federal employees without income for two weeks during that month could be partially responsible for the large increase, but non-revolving debt is also on the rise. This type of debt includes student loans and automobile loans, and grew by $13.85 billion during October. These numbers indicate consumers are recovering from the economic downturn in 2007 and 2008 and are more comfortable with their financial situations. They are no longer spending as cautiously as they have been in recent months.

But what happens if a person’s financial situation changes unexpectedly? The credit card debt, car payments and mortgages can quickly become overwhelming. Those who find themselves struggling to make minimum payments—now or in the future—may want to speak with a bankruptcy attorney about different ways to make the debt more manageable.

Source: Wall Street Journal, “Credit-Card Debt Hits Three-Year High,” Eric Morath, Dec. 6, 2013.

FindLaw Network

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.