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Consumer bankruptcy and its impact on assets and debts

On Behalf of | Sep 6, 2017 | Chapter 7 Bankruptcy

Many individuals in Oregon and across the country consider their financial future to be of the utmost importance. When facing substantial monetary hardships, one who wishes to protect this area of life may subsequently wonder about the available options for relief. For those who consider Chapter 7 bankruptcy, there are several factors that may influence their decision, and seeking guidance could prove beneficial to navigating the process.

Perhaps one of the most intimidating aspects of a Chapter 7 bankruptcy involves the liquidation of assets. While this type of bankruptcy does call for liquidation, this doesn’t necessarily include all of one’s belongings. Certain assets may be exempt from the process, and gaining an understanding of federal and Oregon state bankruptcy laws could help an individual make informed decisions regarding his or her financial future.

By liquidating assets through a Chapter 7 bankruptcy, many of a person’s debts may be discharged in the process. However, not all debts are eligible for forgiveness, such as those pertaining to student loans and child or spousal support. Obtaining guidance on how filing for bankruptcy will impact one’s assets and debts could prove crucial to determining the correct path with which to seek relief.

With numerous crucial factors to consider regarding one’s financial future, an individual may find it beneficial to seek counsel in the initial stages of the process. By speaking with a bankruptcy attorney, a client in Oregon could obtain some much-needed advice on every available option for relief, as well as their potential outcomes. An attorney can thoroughly evaluate a client’s financial situation and provide advice on how to pursue the most favorable outcome through the necessary channels.

Source:, “John Ninfo: The basics of a consumer bankruptcy“, John Ninfo, Aug. 29, 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.