Dealing with medical debt can be stressful, especially when the provider sends the bills to collections. Understanding the process helps you take control and avoid further complications. The initial notice from a collection agency When a medical provider fails to...
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Month: July 2025
How do credit card companies calculate interest on unpaid debt?
Understanding how credit card companies calculate interest on unpaid debt is key to managing your finances. When you carry a balance, interest charges can add up quickly. Here's a breakdown of how interest works and what factors affect how much you’ll pay. What is the...
Differences between Chapter 7 and Chapter 13 bankruptcy
If you're considering filing for bankruptcy, understanding the key differences between Chapter 7 and Chapter 13 bankruptcy is essential. Each type of bankruptcy offers unique options depending on your financial situation, so knowing which one fits best is crucial....
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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.