Filing for Chapter 13 bankruptcy gives you a structured plan to repay debts over three to five years. But life can change during that time. You might face a job loss, medical bills, or an unexpected expense. If that happens, you may wonder if you can change or shorten...
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Month: October 2025
Beyond Chapter 7: When Chapter 13 bankruptcy is smarter
Many people assume Chapter 7 is the only solution for serious financial distress. However, for individuals with a regular income, Chapter 13 bankruptcy often provides a more powerful and strategic path to financial recovery. It is not a "lesser" option. It is a...
How long after bankruptcy can you get a home loan?
Filing for bankruptcy can feel like hitting a financial reset button. While it gives you a chance to rebuild, you might be wondering how long you need to wait before you can buy a home again. The answer is not one-size-fits-all, but understanding the general...
What happens if you stop paying your credit card bills?
Falling behind on credit card payments can happen faster than you think. Missing a payment or two might not seem like a big deal at first, but the consequences add up quickly. In Oregon, ignoring your credit card bills can lead to serious financial and legal trouble...
Can you keep your tax refund after filing Chapter 7?
Filing Chapter 7 bankruptcy can feel overwhelming, especially when it comes to understanding what happens to your money. One question that often comes up is whether you can hold on to your tax refund. The answer isn’t simple, and it can vary based on your...
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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.