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Bankruptcy: Knowing when to seek relief from debts in Oregon

On Behalf of | Nov 2, 2017 | Chapter 7 Bankruptcy

Many individuals in Oregon and elsewhere may find that dealing with overwhelming amounts of debt can be stressful and challenging. Those who experience similar hardships may wish to know the signs that may indicate their debts have become a problem, and when it may be advisable to seek assistance. Should one suffer through prolonged periods of monetary struggle, he or she may benefit from seeking guidance on every available option for relief, such as bankruptcy.

There are a multitude of scenarios in which one might experience financial troubles, one of the more prevalent being substantial amounts of credit card debt. With the high interest rates associated with similar lines of credit, a constant increase in balance, despite efforts to pay, might indicate a need for concern. Should an individual reach the limit on one or more cards, managing even the minimum monthly obligations could become difficult at best.

Falling behind on similar payments could have a devastating impact on one’s credit score. This can lead to rejection when seeking additional lines of credit, which may also be an indicator of financial concerns. While in some cases, one may be able to overcome similar issues in time, in others, the situation may only grow worse with each passing month, and a more long-term solution might be necessary.

Individuals who suffer through prolonged periods of financial hardships may wish to pursue relief, but the process can be complex. Those who experience similar circumstances could find it beneficial to consult a bankruptcy attorney for advice on the available options for relief. An attorney in Oregon can evaluate a client’s situation and provide advice on the best course of action with which to pursue a healthier financial future.

Source:, “7 Signs You’re in Debt Over Your Head“, Bev O’Shea, Accessed on Nov. 1, 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.