Roseburg Bankruptcy Law Firm Helps You Prevent Foreclosure, Save Assets

Jan 30, 2025

Are you struggling to repay your debts and getting harassed by creditors? Not many people know their rights when it comes to debt. That’s why you should call the experts at the Law Office of Kim Covington! (541-393-2790)

With American household debt sitting around the $18 trillion mark as the cost of living crisis continues, you may have found yourself making repayments that are crippling your monthly finances. Don't let bad debt or unscrupulous creditors ruin your entire life and livelihood, get an experienced law firm on the case!

For creditor harassment protection services to bankruptcy petition expertise, reach out to the Law Office of Kim Covington in Roseburg, OR! More details at https://www.kimcovington-bankruptcylawyer.com/

They bring expertise in negotiating with creditors, upholding debtor rights, and providing legal support for those dealing with the financial consequences of divorce, failed business ventures, and mortgage defaults.

Stop Creditor Harassment

Creditor harassment adds another layer of stress especially if you're already buckling under the pressure of unsustainable debt. The firm advises any individuals who are subject to an excessive campaign of pressure from creditors to seek legal counsel from its team of bankruptcy lawyers. If this is you, reach out today!

Filing For Bankruptcy

While there are some exceptions, filing a bankruptcy petition places you under the protection of the court and compels debt collection agencies, direct lenders, and bailiffs to cease and desist their activities with immediate effect.

Kim explains how an emergency bankruptcy filing can benefit those with unmanageable debt. For example, a petition can halt foreclosure proceedings if you've fallen behind on your mortgage payments.

She says, “You may be able to save your home from foreclosure if you act quickly. If foreclosure is imminent, I will work with you to expedite the paperwork to gain the protection of the bankruptcy court as soon as possible.”

Wage Garnishments

In Oregon, creditors can claim up to 25% of a debtor's disposable income to service the defaulted debt. With their bankruptcy services, Kim and her team can prevent unaffordable debt repayments from being taken directly out of your wages.

Fair Debt Collection

In addition to court protection through bankruptcy, the firm can assist you by holding creditors to account through the Fair Debt Collection Practices Act. This legislation forbids misrepresentation of a collector's legal rights in pursuing owed monies, misleading information regarding the urgency of debt repayment, or failing to inform you of your right to spread repayments.