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Bankruptcy: Even necessary debts can leave one in need of relief

On Behalf of | Nov 9, 2017 | Chapter 7 Bankruptcy

One might be hard pressed to find an individual who has never taken on a debt of any form. With an economy of individuals who are saving less and spending more, lines of credit may be a part of everyday life for many. However, while certain debts may be necessary, or even unavoidable, they could also lead an individual in Oregon to experience substantial financial hardships that may in turn prompt a need to search for options for relief, such as bankruptcy.

There are a multitude of circumstances that can leave a person with a significant amount of debt. Potential purchases that could require one to take on debt range anywhere from new mortgages to car loans, or even a loan to start a new business. While at the time, one’s monthly income might be sufficient to cover monthly expenses, a change of circumstances can leave an individual in dire financial straits.

In some cases, individuals may even rely on lines of credit for everyday expenses. With little to no money stashed away, one may be completely unprepared for unexpected occurrences, such as car trouble or a medical emergency. These instances could only further a person’s financial troubles, and additional lines of credit may only act as a short-term fix to a long-term problem, and they could also make matters worse in the meantime.

Substantial amounts of debt can have a significant impact on a person’s quality of life for extended periods. Those who struggle to keep up with financial obligations may wish to pursue relief from debts, but they might be uncertain how best to proceed. By speaking with an experienced attorney, an individual in Oregon could obtain advice on every available option, as well as assistance in pursuing relief from debts through bankruptcy.

Source:, “Is Debt the Devil? Financial Advisors Say “Not Always”“, Jeff Rose, Nov. 2, 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.