Chapter 7 * cases starting at $1200 in attorney fees plus court filing fees of $338
Chapter 13 * cases starting at $750 down which includes the filing fees and then hourly work will be billed
* Please note that all cases require a full consultation before an individual attorney fee quote can be made
Chapter 7 * cases starting at $1200 in attorney fees plus court filing fees of $338
Chapter 13 * cases starting at $750 down which includes the filing fees and then hourly work will be billed
* Please note that all cases require a full consultation before an individual attorney fee quote can be made
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A Personalized, Sensitive
Approach To Bankruptcy
Joint credit card debt can create confusion when bankruptcy becomes an option for one or both cardholders. You may wonder whether a bankruptcy filing wipes out the entire balance or leaves someone still responsible. The outcome depends on who files and which chapter...
Medical debt can follow you for years and shape major health decisions. In Oregon, unpaid medical bills can also affect how and when you access long-term care services. Understanding how these systems connect helps you make informed choices before debt limits your...
Credit damage often feels permanent at the moment. Late payments, collections or high balances can make your score drop fast. What surprises many people is how quickly positive changes can begin once new patterns replace old ones. In Eugene and across Oregon, credit...
Oregon considers car-related debts as secure debts. This means that the vehicle itself serves as collateral and lenders have the right to repossess it if you fail to pay the loan. Filing for a Chapter 13 bankruptcy temporarily stops lenders from doing this. Chapter 13...
You may feel uneasy when you think about how a joint bank account fits into a Chapter 7 case. Shared funds can create confusion, especially when only one account holder files. A clearer look at ownership rules and Oregon exemptions helps you understand what stays...
When you apply for an apartment, landlords often review your credit report to see how you manage money. If you have credit card debt, you might wonder if it will stop you from getting approved. While debt alone doesn’t automatically disqualify you, how you handle it...
When you owe money for past medical treatment, you might worry that hospitals will refuse to see you again. In Oregon, hospitals must balance patient care obligations with their financial policies. Understanding what hospitals can and cannot do helps you make informed...
Filing for Chapter 13 bankruptcy gives you a structured plan to repay debts over three to five years. But life can change during that time. You might face a job loss, medical bills, or an unexpected expense. If that happens, you may wonder if you can change or shorten...
Many people assume Chapter 7 is the only solution for serious financial distress. However, for individuals with a regular income, Chapter 13 bankruptcy often provides a more powerful and strategic path to financial recovery. It is not a "lesser" option. It is a...
Filing for bankruptcy can feel like hitting a financial reset button. While it gives you a chance to rebuild, you might be wondering how long you need to wait before you can buy a home again. The answer is not one-size-fits-all, but understanding the general...
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.
