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Bankruptcy: Using a tax refund as a means to pursue debt relief

On Behalf of | Mar 8, 2018 | Chapter 7 Bankruptcy

For many individuals in Oregon and elsewhere, the decision about what to do with a tax refund can be a challenging task. Some may believe it is best to place their refund in savings in case of an emergency, while others might wish to make payments on debts and free up income. However, for those who are experiencing significant financial issues, a refund could be a means with which to pursue relief from debts through bankruptcy.

According to reports, the average tax return in the previous year was just under $2,900. Financial advisers recommend that individuals either place their refunds in savings or use them to make payments on debts. However, results from a recent survey suggest that many individuals plan to use their refund to assist with everyday expenses or to pay to see a medical professional for treatment they would otherwise avoid.

This survey also suggests that a significant number of individuals also consider using their refund to file for bankruptcy. Individuals who continually struggle with monetary obligations may see this as an opportunity to seek the relief they might otherwise be unable to afford pursuing. However, filing for bankruptcy is a major financial decision, and before deciding on a path, a person might find it advisable to seek guidance from someone with experience in the area.

Upon receiving their tax returns, many individuals may wish to pursue relief from debts, but they might be uncertain where to turn for assistance in the process. Those who experience substantial financial concerns could consult with a bankruptcy attorney for guidance on the available outlets for relief. An attorney in Oregon can review a client’s financial situation and assist in getting his or her finances back on track by pursuing relief from debts.

Source:, “When a tax refund is a lifeline, not a windfall”, Liz Weston, Feb. 28, 2018

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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.