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Exploring bankruptcy when credit cards fuel one’s everyday life

On Behalf of | Aug 17, 2017 | Chapter 7 Bankruptcy

There are numerous circumstances in which individuals in Oregon and across the nation might find themselves facing insurmountable debt. Financial hardships can be exceedingly burdensome, and in some cases, may be challenging to overcome. Those who are constantly struggling with monetary issues could benefit from exploring the available options for relief, such as bankruptcy.

Recent studies suggest that personal debt across the country has reached record highs. According to the study, there are a great deal of contributing factors to similar financial issues, ranging anywhere from credit card debt to car loans. While these avenues of credit may seem appealing at the time, should one fall behind on payments, the results can be catastrophic.

The study also suggests that many individuals are using the various forms of credit to purchase items that are necessary to everyday life. Those living a paycheck to paycheck lifestyle might depend on loans and credit cards to get by, and worry they would struggle to make it without such assistance. Unfortunately, while they might provide relief in that given moment, relying on similar methods may only be a short-term fix that can create a long-term problem.

Significant amounts of debt can cause an individual to suffer a lesser quality of life for extended periods. Instead of relying on alternative sources, those who are facing prolonged financial difficulties might find it beneficial to speak with an attorney in Oregon about the available options for debt relief. A bankruptcy attorney can address a client’s financial concerns and assist him or her in pursuing a brighter financial future through the necessary channels.

Source:, “In Debt We Trust for U.S. Consumers With $12.7 Trillion Burden“, Vince Golle, Aug. 10, 2017

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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.