When Oregon residents can no longer keep up with their debts and the harassing phone calls trying to collect never seem to stop, bankruptcy may be a worthwhile alternative. Knowing which chapter suits the individual’s needs can be confusing. This, combined with the...
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Chapter 13 Bankruptcy
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...
Debts that may be discharged through Chapter 13 bankruptcy
There are many reasons that people in Oregon take out loans, use credit cards and take on other forms of debt. Some of these are necessary to continue to meet people’s needs, others take them out in order to buy homes, cars and other larger purchases. As long as...
Stopping wage garnishment through Chapter 13
It's hard enough to dig yourself out of debt when you are receiving a full paycheck. When your wages are being garnished, it can feel impossible to return to get out of the red. If you have a judgment against you, Oregon law allows a creditor to issue an order to...
Medical bills cause bankruptcy rise among older adults
People in Oregon who are 55 and older may be more likely to file for bankruptcy than they would have been 30 years ago. Between 1991 and 2016, the percentage of people in the 55 to 64 age group who declared bankruptcy went up 66%. For those 65 to 74, it has increased...
Chapter 13 bankruptcy may be right for those with steady income
No one plans to end up in a significantly difficult financial situation. However, a number of unexpected circumstances could contribute to anyone facing money problems. Even if you have a steady income, you may have substantially more debt than you can handle and...
The basics of bankruptcy
Oregon residents who find themselves overwhelmed with debt can seek relief by filing for Chapter 7 or a Chapter 13 bankruptcy. A Chapter 7 bankruptcy wipes out most debts and offers the chance of a fresh start. Those who file for Chapter 13 bankruptcy pay down some or...
Personal circumstances may dictate type of bankruptcy filing
It can be difficult to get finances back on track when debts are piling up. Oregon consumers have options to reduce or eliminate debts, including negotiating with creditors or filing for bankruptcy under Chapter 7 or Chapter 13 of the Bankruptcy Code. The type of...
Repairing a credit score after bankruptcy
Lots of Oregon residents are struggling with debts they are unable to repay. While personal bankruptcy may provide an option for debt relief, many are wary of taking the hit to their credit reports that come with the option. However, these debtors may still begin to...
Consumer rights give debtors power to stop creditor harassment
Collection agencies sometimes cross the line into harassment when they contact debtors in Oregon. Abusive language, threats or excessive telephone calls and texts can add significantly to the stress of people who have fallen behind on payments. The Fair Debt...
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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.