Medical debt can follow you for years and shape major health decisions. In Oregon, unpaid medical bills can also affect how and when you access long-term care services. Understanding how these systems connect helps you make informed choices before debt limits your...
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Approach To Bankruptcy
Month: December 2025
How quickly can you rebuild credit after financial setbacks
Credit damage often feels permanent at the moment. Late payments, collections or high balances can make your score drop fast. What surprises many people is how quickly positive changes can begin once new patterns replace old ones. In Eugene and across Oregon, credit...
What happens to car loans in a Chapter 13 bankruptcy?
Oregon considers car-related debts as secure debts. This means that the vehicle itself serves as collateral and lenders have the right to repossess it if you fail to pay the loan. Filing for a Chapter 13 bankruptcy temporarily stops lenders from doing this. Chapter 13...
Does Chapter 7 bankruptcy protect joint accounts with a spouse?
You may feel uneasy when you think about how a joint bank account fits into a Chapter 7 case. Shared funds can create confusion, especially when only one account holder files. A clearer look at ownership rules and Oregon exemptions helps you understand what stays...
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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.