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Giving a fair amount of thought to the process of bankruptcy

There are a variety of circumstances that can lead individuals in Oregon and across the country to experience financial hardships. Regardless of how a person reaches this point, a significant amount of debt can have a substantial impact on his or her quality of life, which could spark a need for financial relief. However, when exploring the available outlets, some may wonder if bankruptcy is the correct path in which to pursue relief from the burdens of debt.

While many have chosen to pursue a healthier financial future via bankruptcy, it may not be the correct decision for everyone. Before one can even file for bankruptcy, he or she must take part in credit counseling, which could help one identify areas for improvement. Although this process may be mandatory, a person might find it beneficial to give the available options a fair amount of thought, as any decisions made during this period could have a significant impact on the future.

Whether debts gather over time, or at once due to a sudden and unexpected life event, sometimes other options simply aren't enough to help one overcome his or her financial burdens. In these cases, bankruptcy could be the most viable option for relief, but it is still a major life decision. Those who wish to file for bankruptcy might find it advisable to seek advice on how a similar process may impact his or her life moving forward.

Exploring the options for debt relief can be a stressful and intimidating process, and seeking guidance before deciding on a path could be advisable. By speaking with a bankruptcy attorney, a client in Oregon could obtain advice in making informed decisions regarding his or her financial future. An attorney can address a client's financial concerns and wishes and assist in pursuing the most favorable outcome possible through the applicable outlets.

Source:, "John Ninfo: Is filing for bankruptcy ever a good idea?", John Ninfo, Aug. 22, 2017

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The Law Office of Kim Covington is a debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 19 years.

The Law Office of Kim Covington

The Law Office of Kim Covington
1445 Willamette Street, Suite 9
Eugene, OR 97401

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P: 541-393-2790

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