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Help! My wages are being garnished

We’ve all been there. You have had a rough patch where your income wasn’t as high as you’d like—and of course, your bills were higher than you’d like. But, now you have a better paying job and you’re getting back on your feet. That is, until you open up your paycheck and find that a quarter of it is missing.

Your financial stress could be affecting your health

If you think nobody cares if you’re alive, try missing a couple of car payments. That is one true statement. Maybe it’s medical expenses, a divorce, you’ve lost your job or your business has failed, or your mortgage payments are too high—any of these could mean mounting bills and collection phone calls. You’re afraid to answer the phone and the stress is slowly killing you. Financial stress is real.

How To Build Credit After Chapter 7 Bankruptcy

Some people needlessly delay declaring bankruptcy because of their worry about what it will do to their credit. In fact, one of the major concerns after declaring bankruptcy is how to rebuild credit. You may feel overwhelmed and powerless when you contemplate your future, but there are ways to establish good credit after resolving your bankruptcy. Here are some of the ways to rehabilitate your credit after declaring Chapter 7 bankruptcy.

How bankruptcy affects credit scores: a timeline

Most Americans experience some type of financial trouble in their lifetime. Struggling through the loss of a job, an unexpected illness or mounting credit card debt causes instability throughout your life. While most people are aware of bankruptcy as a potential solution to debt problems, they worry about personal credit scores and long-term consequences of filing for bankruptcy.

Tips for rebuilding your credit

The transition into adulthood is both exciting and scary. There are a lot of new responsibilities. You completed school and went out to start your career. You moved into your own residence. You have a car to maintain and groceries to purchase. You are ready to take your life to the next step. In order to do this, you want a secure future for you and your family.

Office Locations

The Law Office of Kim Covington

Eugene Office
1445 Willamette Street, Suite 9
Eugene, OR 97401

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Albany Office
1135 Dale Street SE, Suite #B
Albany, OR 97321

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Roseburg Office
1701 West Harvard, Suite 201
Roseburg, OR 97470

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Phone: 541-393-2790
Toll Free: 800-673-1891
Fax: 541-344-6466