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

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Signs it is time to file for bankruptcy in Oregon

On Behalf of | Jul 5, 2024 | Bankruptcy

Filing for bankruptcy is a significant decision. It can offer relief and a fresh start, but knowing when to take this step is crucial. It may be helpful to consider some signs that it might be time to consider bankruptcy in Oregon.

Constantly using credit cards for essentials

When you rely on credit cards for basic necessities like groceries and utilities, it might indicate a deeper financial issue. 

Receiving collection calls and letters

Persistent calls and letters from creditors are a clear sign of financial distress. If you’re unable to keep up with payments and debt collectors are constantly contacting you, bankruptcy might be a viable option to consider.

Dipping into retirement funds

Using your retirement savings to cover daily expenses or pay off debts can jeopardize your future. If you find yourself withdrawing from your 401(k) or IRA to manage your finances, it may be time to look into bankruptcy options.

Facing home foreclosure or vehicle repossession

If you’re at risk of losing your home or car due to missed payments, bankruptcy can sometimes help. Filing for bankruptcy can put an automatic stay on foreclosure and repossession processes, giving you time to catch up on payments or renegotiate terms.

Struggling with overwhelming medical bills

Unexpected medical expenses can quickly become unmanageable. If medical bills are consuming your income and leading to insurmountable debt, bankruptcy might offer a way to manage these obligations.

A unique perspective on moving forward

Recognizing these signs early can help you make informed decisions about your financial future. Bankruptcy isn’t a failure; it’s a legal tool designed to help people in financial distress. Assess your situation carefully, and consider consulting a professional to explore your options. 

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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.