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

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

Strategies for addressing your personal debts 

On Behalf of | Dec 8, 2021 | Credit Card Debt

It is a common misconception that only those who are reckless with their funds find themselves in financial troubles, but this is clearly not the case. In fact, many households across America find have money problems, with total household debts exceeding $14 trillion dollars. 

Getting into debt is not the end of the world, and there are ways that you can tackle it. Outlined below are some key strategies for addressing your personal debts. 

Take steps to prevent yourself from being overwhelmed

It goes without saying that the smaller the debt you have, the easier it is to get back in front with your finances. Often, people feel pressured to spend beyond their means and showcase a lifestyle that is simply not sustainable. Living within your means can actually increase your levels of happiness. 

Organize a budget

At times, people work better when they have clear objectives and instructions. Tackling your finances in the same way can be extremely beneficial. Sitting down and taking the time to create a budget can certainly help to keep your finances in shape. Simply having the figures in front of you as well as allocations for funds means that you are held to account financially, and kept on the right path. Furthermore, studies indicate that those who implement a budget attain more success when attempting to clear their personal debts.  

Consider what is most important

If you do find yourself in considerable debt, it will not all be equal in standing. It is vital that you isolate the debts that are most important to your well-being. For example, if you have fallen behind on housing payments, these should be addressed first. Also, certain debts will accumulate higher rates of interest, so these should be tackled promptly. 

Getting into debt can be stressful but it does not need to be the end of the world. There are methods that can help you as well as people who are willing to protect your legal rights

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.