As you might imagine, there are many steps you must take when you make the decision to file for a Chapter 7 or Chapter 13 bankruptcy. The choices you make before you get to this point may also make a difference between which type of bankruptcy you are approved for or...
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A Personalized, Sensitive
Approach To Bankruptcy
Month: December 2016
What is a cease and desist letter for creditors?
The Fair Debt Collection Practices Act was put into place to protect residents of Eugene and elsewhere from being abused, harassed and mistreated by companies that are trying to collect debts. If you have debt that was sent to collections, you may be familiar with...
Potential employers might check credit report
For Eugene residents who are having financial problems, a job interview can be hopeful and exciting. However, some might have been warned that prospective employers conduct credit checks before hiring. It is important to understand what may be conducted during the...
Should you really worry about having bad credit?
Many of our recent posts have addressed the topic of poor credit. If your financial situation is keeping you from paying your bills on time, your credit is going to suffer. Should you be concerned about fixing your credit? The answer depends on how your credit rating...
What is credit counseling and how might it help you?
In last week’s post, we discussed the requirements you must meet in qualifying for a Chapter 7 bankruptcy. One of them involved undergoing credit counseling. It may help you and other Eugene residents to understand how credit counseling works.American Consumer...
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.