Many Oregon residents are facing increasingly overwhelming debt. Sometimes, the debt compiles as a result of major medical bills. Other times, it is the result of unemployment or an unforeseen emergency. Regardless of how you accumulate debt, you may be able to find...
Photo of Kim Covington
A Personalized, Sensitive
Approach To Bankruptcy
Bankruptcy
What is debt collector misrepresentation?
Debt collectors must follow certain guidelines as written under the Fair Debt Collection Practices Act (FDCPA), which banishes the use of harassing or misrepresentative tactics. While harassment often gets media coverage, it is a different story for misrepresentation....
Can a creditor sue after repossession?
A car deficiency is an issue that may arise following a vehicle’s repossession. With a deficiency, what has happened is that the creditor repossessed the vehicle, sold it and didn’t get enough to pay off what you owed. If this happens, a creditor may sue you for the...
What you should know about a reaffirmation agreement
The flexibility of bankruptcy, even Chapter 7 bankruptcy, can help you keep certain assets while discharging burdensome debt. A reaffirmation agreement is one example. You may fear you will lose a car that has an outstanding loan balance. However, if you sign a...
Will bankruptcy ruin your financial future?
As you become more familiar with the benefits of bankruptcy, such as the ability to save your home from foreclosure and stop wage garnishment, you may realize that it’s just what you’ve been looking for. But before you move forward, you also realize that bankruptcy...
Will you have to file bankruptcy to eliminate your child’s medical bills?
When your child got sick, you made sure they got the medical care that they needed. You knew that the costs would be high, but you never expected how high. Many of the providers who worked on their care and treatment plans weren’t included in your in-network insurance...
Medical debt can lead to a lien against your home without action
Most medical debt is unsecured debt. That means that you accrue a balance at the hospital without putting a deposit down or using any personal property as collateral against those debts. Some people might ignore initial collection efforts by hospitals because they...
Should you file bankruptcy for your tax debts?
One of the most difficult things about being a self-employed entrepreneur is the debt that often comes with it. It can be hard to pay back tax debts, especially if the job market isn’t good and you can’t make your typical sales. Some business owners struggle and end...
Have you addressed these general consumer bankruptcy questions?
If you’re facing financial difficulties and concerned about the future, you may decide to learn more about consumer bankruptcy. Both Chapter 7 and Chapter 13 can bring a variety of benefits to your life, all of which can help you get back on track. Before you file for...
Are you too young to file for bankruptcy?
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...
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.