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Seeking out the facts when considering bankruptcy in Oregon

On Behalf of | Aug 16, 2017 | Chapter 7 Bankruptcy

Many individuals in Oregon and elsewhere have dealt with the overwhelming stress of debt at some in point in life. While in some cases, these troublesome circumstances may only be temporary, in others, a more long-term solution might be necessary. However, those who are in need of debt relief may sometimes attempt to steer clear of bankruptcy due to certain misconceptions about the process.

Perhaps one of the most significant concerns of those who consider bankruptcy involves the liquidation of assets. While Chapter 7 does call for the liquidation of certain assets, this doesn’t necessarily mean all of them, and a person may be able to retain many or most of his or her possessions throughout this period. Alternatively, this may also be true for debts, as not all debts are eligible for discharge.

Another area that may seem worrisome is the potential impact bankruptcy may have on one’s credit. However, if a person is continually struggling to make payments on debts, the outcome could be much worse, and with bankruptcy, one could even begin to rebuild credit shortly after the process is finalized. Some may also worry that filing for bankruptcy is a sign of failure, but some forms of debt, such as those pertaining to medical expenses, may be unavoidable, and bankruptcy could be just the tool one needs to recover.

While bankruptcy is a major decision, it could also be the correct solution for one’s financial issues. Instead of discounting bankruptcy as a viable option, a person could choose to obtain guidance on the available options and their potential outcomes from an experienced attorney. An attorney in Oregon can address a client’s financial concerns and provide advice on choosing the correct path with which to pursue a brighter financial future.

Source: Time, “5 Bankruptcy Myths You Shouldn’t Believe“, Sean Pyles, Accessed on July 28, 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.