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Bankruptcy might be a reasonable choice for you

On Behalf of | Apr 2, 2022 | Bankruptcy

Choosing for file for bankruptcy is not a decision to be made lightly. Sometimes, it’s considered a “last resort” when your debts have gotten seriously out of hand and no other viable options exist. It’s something to think over carefully before you act. It’s wise to gather as much information as you can first.

Among the advantages of bankruptcy are putting an end to annoying phone calls from stubborn creditors. You will also have the opportunity to make your credit score sound again. In fact, according to one expert, “Within a year, you’re way better off.”

Do a few quick calculations. Would your total debt require over five years to significantly reduce? Does it constitute over fifty percent of your income? If the answers are yes, then bankruptcy is an avenue to at least explore.

Some facts about Chapter 7 bankruptcy

Chapter 7 bankruptcy does not eliminate all your financial obligations, such as student loans and child support. It does eliminate overdue rent, credit card debt, business debt, personal loans, medical bills, civil judgments (excluding those involving fraud), income tax debt incurred during the previous three years and overdue utility bills.

Chapter 7 allows for the sale of a person’s non-exempt assets to pay their debts. The money from this process, which is called liquidation, goes to pay your creditors. Oregon law details what items can be exempted.

Bankruptcy can help you start over

When your indebtedness gets overwhelming, bankruptcy can be an off-ramp from a situation that is getting progressively worse. It’s wise to seek legal guidance to review the specifics and how bankruptcy can help you eventually return to financial health.

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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.