If you are struggling with credit card debt in central Oregon, understanding how the interest rates and minimum payments affect the amount you owe can help you to determine the best way to pay it off. The Credit Card Accountability Responsibility and Disclosure Act of...
Photo of Kim Covington
A Personalized, Sensitive
Approach To Bankruptcy
Month: July 2015
When Chapter 13 bankruptcy is the best debt consolidation plan
Debt consolidation can help some people in Oregon to combine all their debts into one manageable monthly payment. One common method of consolidating debt is through a home equity loan. This method is helpful to those who have good credit and plenty of collateral....
How can I prevent medical debts from damaging my credit?
Recent federal legislation protects you from having hospital bills from Oregon or another state added to your credit report for six months. However, those debts can still be sent to collections if you do not pay them in full by the date specified, even if you are...
Oregon is second worst place in the U.S. to earn a living
When people fall on hard times, as many did during the recent recession, financial challenges often lead to debts that are not easily overcome. The sudden loss of an income or a workplace injury can leave a person with no recourse to pay creditors. Although the...
Student loan discharge in an Oregon bankruptcy is rare
Most people in Oregon may believe that student loan debt is not dischargeable in a bankruptcy. However, the U.S. Department of Education does provide an option for student loan debt relief in some extremely rare cases. These involve situations where the repayment of...
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.