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 even if a bankruptcy judge approves your request. If you do not complete the steps correctly or make unwise choices before filing, your case could be thrown out. At The Law Office of Kim Covington, we are prepared to assist Eugene clients through these steps, and we also have a full understanding of what they should do before filing.

According to, it is vital to provide accurate and honest information when filling out your bankruptcy forms. Concealing or omitting income and assets may not only result in your case being denied, but could in some cases result in criminal charges. You will also want to ensure you have filed your income tax returns.

It is considered an unwise move to accrue new debt within a few months of filing for bankruptcy. Understandably, you might not anticipate a bankruptcy five or six months in advance; however, if you are beginning to experience financial troubles, you may want to refrain from taking out any new loans during this time. Racking up debt and applying for bankruptcy soon after may be seen as a deliberate attempt to avoid taking responsibility.

Our bankruptcy page provides more information for those who are experiencing financial difficulties.