The beginning of 2026 brought the end of government subsidies that made health insurance significantly more affordable for those who have been able to get health insurance thanks to the Affordable Care Act (ACA). Here in Oregon, that is through the Oregon Health...
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Approach To Bankruptcy
Month: June 2026
How your car fits into Chapter 7 bankruptcy
When your family is facing Chapter 7 bankruptcy, a car becomes more than just transportation. It could determine how you get to work and your children to school. That is why understanding how your car fits into the bankruptcy process helps you plan your next steps....
More Americans are using credit cards for everyday expenses
Earlier this year, while discussing the state of the U.S. economy, a top economic advisor to President Trump said that “credit card spending is through the roof.” The director of the National Economic Council added that Americans are “spending more on gasoline, but...
How Chapter 13 bankruptcy can stop foreclosure on your home
Missing mortgage payments often starts with circumstances beyond your control. When your lender threatens foreclosure, you need an immediate solution. Chapter 13 bankruptcy provides protection for homeowners who have fallen behind on their mortgages. It offers you an...
Do you still owe on a credit card if you cancel it?
Yes, even if you cancel a credit card or close the account, you are still responsible for any charges on that card. For example, perhaps you initially applied for a credit card for convenience. But over time, the high interest rates really began to impact your budget....
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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.