Healthcare expenses can escalate rapidly. A single medical emergency or unexpected diagnosis may lead to overwhelming debt. However, with strategic planning and informed decision-making, you can significantly reduce the likelihood of incurring unmanageable medical...
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Approach To Bankruptcy
Month: March 2025
How does Chapter 13 bankruptcy affect credit card debt repayment?
Filing for Chapter 13 bankruptcy in Oregon can help you manage overwhelming credit card debt while keeping your assets. Unlike Chapter 7, which eliminates debt, Chapter 13 restructures it into a repayment plan. This allows you to pay off a portion of your debt over...
What is the ‘cramdown’ provision in Chapter 13?
Chapter 13 bankruptcy allows you to restructure debts into a manageable repayment plan. One powerful tool within this process is the cramdown provision. This provision can help you reduce the amount you owe on certain secured debts, such as car loans and investment...
What happens to retirement funds during bankruptcy?
Individuals dealing with financial hardship due to job loss, medical issues or other challenges may require relief. A personal bankruptcy filing can help people limit collection efforts and diminish their financial obligations. Bankruptcy halts collection activity and...
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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.