Debt can take many forms. Some people may be up to their ears in credit card debt, while others have student loans and medical bills. Some Eugene residents are struggling with paying their monthly utility bills, especially if their mortgage and car payments are more...
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Credit Card Debt
Debt consolidation alternatives and options
Many people in Eugene and elsewhere will try anything to get out of debt before resorting to bankruptcy. While it is a good idea to reduce debt or eliminate it whenever possible, some debt-reduction methods can be more harmful than helpful over the long run. Debt...
The differences between credit counseling and debt settlement
When people in Oregon are struggling with credit card debt, they may consider options such as credit counseling or debt settlement. Both of these may offer them assistance in regaining control of their finances. However, there are a number of key differences between...
The dangers of payday loans
Payday loans are a seemingly simple way for people to get short-term loans in small amounts from private companies. They usually require that a person provide a personal check, authorization for a withdrawal from his or her bank account, or permission for the payday...
Pros and cons of debt consolidation loans
Many families in Oregon are looking to debt consolidation loans to manage their consumer debt and make their monthly payments more manageable. According to Debt.org, debt consolidation is the practice of taking out one new loan to pay off existing loans with the goal...
What is credit counseling?
Like many people who are dealing with credit card debt and other financial challenges in Oregon, you may have considered a number of debt relief options. With all of the choices available, however, you may not know which one is best suited for your circumstances....
How debt is taken care of after the death of a relative
The period of time after the death of a loved one is heartbreaking and challenging enough without having to deal with harassment by debt collectors. Many Oregon residents may wonder what happens to debt after the death of a parent, child, spouse or other relative....
Take caution when considering retirement loans to repay debt
Oregon consumers facing high debt may often feel they have nowhere to turn and can be unsure of their options. Concerns about filing for bankruptcy can often make them seek out other solutions that may actually cause more harm than good down the road. A Chapter 7...
Caution urged against credit card scams
High debt of any sort can be extremely troubling for residents in Oregon. The cause of financially challenging times can range from unemployment to unmanageable credit card debt and more. Medical conditions can also exacerbate situations and force people to rely on...
Oregonians lower average credit card balances
Many factors can affect a person’s financial health or challenges. Loss of employment, unexpected medical expenses, divorce and more are among some of the most common situations that negatively impact Oregon consumers’ ability to remain financially...
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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.



