Debt, when used properly, can be a valuable tool for many people to build their financial health and grow their own worth. However, at the Law Office of , we see many clients who unknowingly place themselves in a compromised financial...
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A Personalized, Sensitive
Approach To Bankruptcy
Bankruptcy
What you should know about the meeting of creditors
The Oregon State Bar states that after filing for Chapter 13 bankruptcy, debtors must attend a meeting of creditors to give testimony regarding their debts. This meeting, which is also known as a 341 meeting, is compulsory, and if the debtor fails to attend, the Court...
What are limitations of an automatic stay?
In Oregon, falling behind on payments because of an illness or income loss is often the first step in a downward spiral that leads to overwhelming debt. If you decide you need a fresh financial start, Chapter 7 bankruptcy may be a viable solution for you because of...
Oregon is second worst place in the U.S. to earn a living
When people fall on hard times, as many did during the recent recession, financial challenges often lead to debts that are not easily overcome. The sudden loss of an income or a workplace injury can leave a person with no recourse to pay creditors. Although the...
Student loan discharge in an Oregon bankruptcy is rare
Most people in Oregon may believe that student loan debt is not dischargeable in a bankruptcy. However, the U.S. Department of Education does provide an option for student loan debt relief in some extremely rare cases. These involve situations where the repayment of...
Will filing for bankruptcy cost people their homes?
When people in Eugene, and throughout Oregon, are struggling with financial challenges, they often consider filing for bankruptcy. For many, however, the possibility of losing their home is a strong deterrent to seeking the assistance and protection they need....
Avoid repossession or foreclosure by filing for bankruptcy
If you are considering filing for bankruptcy, you may be concerned about things such as foreclosure or repossession. These negative things are most commonly associated with bankruptcy. However, this is one good reason for you to look into Chapter 13...
What do you need before your bankruptcy meeting?
Filing for bankruptcy can be a big step to make. It is important for a person who wants to file for bankruptcy to go into their first meeting having an idea of what they want to aim for. This will make the rest of the process flow much more smoothly, making it easier...
Addressing the social stigma attached to bankruptcy
For people who are considering filing for personal bankruptcy or who have already filed, it can be an embarrassing and painful topic to discuss. This is especially true if the person who filed for bankruptcy does not want his or her employer or other individuals to...
Common concerns for those considering bankruptcy
If you’re one of the many Oregon residents having trouble keeping up with bills, you may be considering filing for bankruptcy. While personal bankruptcy can be invaluable in helping you get back on your feet, it is also a serious decision that should not be...
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.