When struggling with debt in Oregon, many people shy away from seeking bankruptcy protection in fear that it will cost them their property, including their homes. However, filing for Chapter 13 itself does not put your home in jeopardy. In fact, it might help you to...
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Chapter 13 Bankruptcy
How does chapter 13 bankruptcy work?
If you are like others in Oregon who are struggling with overwhelming debt, then you might have considered filing for bankruptcy. Through a chapter 13 filing, you may be able to regain control of your finances without liquidating your assets. However, at [nap_names...
Advantages of Chapter 13 bankruptcy
Depending on a person or couple’s situation, Chapter 13 bankruptcy may be a good financial decision for them to make. Instead of choosing the more common liquidation offered with Chapter 7 bankruptcy, Chapter 13 provides debtors with an opportunity to repay some...
Can you file for Chapter 13 bankruptcy?
If you need to file bankruptcy in Oregon, a Chapter 13 filing may be the right choice for you. According to the Oregon State Bar, Chapter 13 is a type of bankruptcy that you can use to repay some or all of your debts while finding protection from creditors. This is in...
Statistics show Chapter 13 bankruptcies on the rise
In Oregon, people who are struggling with debt, wage garnishment and creditor harassment may find relief by filing for Chapter 13 bankruptcy. This helps reduce debt without requiring a person to give up assets such as a car or a home. Rather than discharging the whole...
A trustee’s role in your chapter 13 bankruptcy
If you are filing for Chapter 13 bankruptcy, you may have learned that the court will be appointing a trustee to your case. The name of your trustee will be included in the notice you receive from the court on the meeting of creditors. At the Law Office of [nap_names...
What can I do if I cannot make my Chapter 13 bankruptcy payments?
When you file for Chapter 13 bankruptcy in Eugene, Oregon, you pay monthly payments to a trustee, and these are applied to your debt. Although the Chapter 13 plan should give you manageable payments, the percentage of your income that goes to the trustee each month...
Should you and your spouse file for Ch. 13 bankruptcy jointly?
In Oregon, it may not be in a married couple’s best interests to file for bankruptcy jointly. If you and your spouse are struggling with debt that is primarily in your spouse’s name, it may benefit both of you for your spouse to file for Chapter 13...
When Chapter 13 bankruptcy is the best debt consolidation plan
Debt consolidation can help some people in Oregon to combine all their debts into one manageable monthly payment. One common method of consolidating debt is through a home equity loan. This method is helpful to those who have good credit and plenty of collateral....
Is Chapter 13 bankruptcy the right debt relief option for you?
If you are like many people in Oregon who are struggling with debt, then you may have considered filing for bankruptcy. For some, however, the number of bankruptcy options available to individuals can complicate the decision. At , we often...
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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.



