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

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

Tips for dealing with credit card debt in Oregon

On Behalf of | Apr 19, 2016 | Credit Card Debt

Like other Oregonians, you may have several credit cards that you use to make purchases. On average, American households that carry credit card debt owe $5,700, according to NASDAQ.com. Our team at The Law Office of Kim Covington knows that having such debt may affect your financial freedom and future. Therefore, we will discuss how to deal with credit card debt so that you can regain control of your finances.

When you make the decision to tackle your credit card debt, it is advisable for you to categorize your debts. Select a credit card to pay off first. You may choose the one with the highest balance or interest rate. Then, make the biggest payments on that card. It is important, however, to continue making the minimum payments on you other cards. This may help you avoid late fees or collection efforts.

Once you have started addressing your credit card debt, it is important that you do not add new debts. Therefore, you should avoid using your credit cards as much as possible while you are paying them off. Instead, try to use cash for your daily purchases whenever possible. This may help ensure that you are able to make progress, rather than continue the cycle.

Under some circumstances, paying down your credit cards one at a time may not be a viable option for you. As such, you may consider other debt relief options. Through consolidation, for example, you may be able to pay your cards off faster without significantly increasing your payment amount. Alternatively, you may be eligible to have some or all of your debt discharged by filing for chapter 7 bankruptcy. Chapter 13 bankruptcy, on the other hand, allows you to reduce your debt by making manageable payments.

For more information about dealing with unsecured debt, please visit our Credit Card Debt page.

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.