Chapter 7 * cases starting at $1000 in attorney fees plus court filing fees of $338
Chapter 13 * cases starting at $750 down which includes the filing fees and then hourly work will be billed
* Please note that all cases require a full consultation before an individual attorney fee quote can be made

Payment Plans Available. Call For A Free 1-Hour Consultation. 

A+ Premier Attorney Rating | The National RegistryA+ Premier Attorney Rating | The National Registry
Awarded | Top 100 Bankruptcy | Blog
A+ Premier Attorney Rating | The National Registry
Photo of Kim Covington

A Personalized, Sensitive
Approach To Bankruptcy

The number one cause of declaring bankruptcy

On Behalf of | Aug 28, 2017 | Bankruptcy

What is the number one force pushing people into declaring bankruptcy?

It’s not mortgage foreclosures, student loans or maxed-out credit cards. It’s something that can happen to anyone, at any time — getting sick.

Sickness is like an ax falling in your life. Suddenly you must worry about maintaining income, being able to continue working, paying doctor bills – and surviving.

The squeeze

The average family earns about $50,000 in income. Much of that money is already directed toward housing, food, and clothing family members.

If you suddenly must deal with high deductibles, your budget is shot. Hoping for a miracle rescue, you start using credit cards more than you should.

The next stage is desperation

Now, to this already scenario, add the creeping expense of Obamacare premiums, and the even more frightening elimination of Obamacare altogether.

It is easy to see how even a non-life-threatening health problem can turn your financial life upside down.

This is the reason Chapter 7 and Chapter 11 exist – to keep Americans from falling deeper into debt forever.

The Constitution is a pretty wise blueprint, and it provides for relief from unendurable debt, backed by the power and legitimacy of the U.S. government.

Bankruptcy is not an entitlement – it is a right guaranteed by law. Those who try to put the process in a negative light – your creditors – are looking out for their own interests, not yours.

Get well soon

We hope you recover 100 percent, as quickly as possible. In the meantime, consider this “last resort” to solving the problem of unpayable debt.

Declaring bankruptcy and starting over has given a second financial life to millions. It can be your gift, too.

FindLaw Network

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.