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...
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Approach To Bankruptcy
Bankruptcy
The number one cause of declaring bankruptcy
What is the number one force pushing people into declaring bankruptcy?It's not mortgage foreclosures, student loans or maxed-out credit cards. It's something that can happen to anyone, at any time -- getting sick. Sickness is like an ax falling in your life. Suddenly...
Can a lender sue me after repossessing my car?
According to Quartz.com, more than six million Americans are currently delinquent on their car loans, which is a new record-high since the 2008 recession. Banks are more willing to take on risk since the economy has recovered, but many more Americans are also at risk...
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...
Do I have to reaffirm my mortgage?
After you declare bankruptcy in Oregon, you still have to have a place to live, and the costs of moving may be considerable, particularly with the soaring rent prices and lack of rental homes available in many portions of the state. That does not necessarily mean you...
Buying a home after bankruptcy
If you have recently filed Chapter 7 bankruptcy, you may feel as if renting a home in Oregon is your only option for the foreseeable future, even though eliminating your debt has put you in good financial shape again. However, you do not necessarily need to wait until...
Stress: The link between debt and poor health
Regardless of the amount of income, debt can be a major problem for those who live in Oregon. The increasingly higher costs of housing and difficulties paying off medical bills and credit card debt are overwhelming for many people. According to the American...
The worst things to do when filing for bankruptcy
As you might imagine, there are many steps you must take when you make the decision to file for a Chapter 7 or Chapter 13 bankruptcy. The choices you make before you get to this point may also make a difference between which type of bankruptcy you are approved for or...
How hard is it to get approved for bankruptcy?
If you are experiencing financial troubles, bankruptcy might be one of the options you are considering to help you recover. You might have heard that personal bankruptcy is becoming more common. You might also have been told that it is difficult to be approved for a...
What should you know about bankruptcy fraud?
The chances are that if you are experiencing financial difficulties, you may be considering filing for bankruptcy. Like most types of complex financial matters, there is the possibility of criminal exploitation involving personal bankruptcy. There are people in Oregon...
Learn More About Your Fresh Financial Start
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.



