It’s easy to believe that you’re too young for bankruptcy. After all, you haven’t even hit your stride in regard to your career. However, as long as you’re 18 or older, you have the legal right to file for bankruptcy. As a member of the younger generation, there are...
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Bankruptcy filing may help struggling homeowners
Chapter 13 bankruptcy may serve as a resource for struggling homeowners who are unable to make their mortgage payments. Avoiding foreclosure is a serious concern for many families which is why they should be familiar with legal resources that may be able to help them...
How does the automatic stay work during the bankruptcy process?
The automatic stay can provide important relief for filers of bankruptcy that is ongoing during the bankruptcy process. It is essential for struggling consumers to understand how personal bankruptcy protections can help them enjoy debt relief overall and provide...
What are the benefits of filing for bankruptcy?
Opening the mail can be a scary event for Oregon residents who are struggling with debt—as the bills keep piling up, it becomes harder and harder to avoid the obvious. Unfortunately, neglecting to open one’s mail is not the best way to deal with debt—as late payment...
Should I file for bankruptcy under Chapter 7 or Chapter 13?
Deciding to file for bankruptcy is a difficult decision that requires a great deal of planning and consideration. Before making that decision, however, you should be aware of your options when it comes to filing for bankruptcy. Most bankruptcies are filed under...
Don’t fall for these common misconceptions about bankruptcy
Young married couples in Oregon may be in love, but even love cannot change the fact that they also may have accumulated a significant amount of debt that they either came into the marriage with or incurred after they were married. They may have a mortgage on a...
Understanding bankruptcy in Oregon
Consumer, medical, credit card and other debt can get away from you and become insurmountable. Bankruptcy is one way to provide a fresh financial start. But filing for bankruptcy may have consequences and should be carefully examined. Chapter 7 bankruptcy Chapter 7,...
How the automatic stay works during the bankruptcy process
If you made the choice to file for bankruptcy, it is probably because you feel you are in a place where you can no longer manage your financial obligations on your own. Another reason may be the constant contact from creditors and debt collectors, which can cause you...
Do your debt issues have you feeling embarrassed?
For some Oregon residents, having money issues can be a source of embarrassment. They may think that they have somehow fallen short of those who have more money or those who have not landed on hard financial times. However, it is important to remember that financial...
Bankruptcy options for the gig economy
If you work as a freelancer, you know the pride of being your own boss. You’re not alone. Freelancers Union reports over 38 percent of all workers, including over 50 percent of millennials, now work freelance jobs either on the side or as a main source of...
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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.