Springfield, OR Bankruptcy Attorney Can Stop Debt Collectors From Harassing You

If you’re struggling with debt and facing wage garnishment or the threat of repossession, The Law Office of Kim Covington can help you take back control of your financial future. 

>>> Book your 1-hour consultation with Kim Covington at https://www.kimcovington-bankruptcylawyer.com/bankruptcy-overview/creditor-harassment/

Why Creditors Won’t Leave You Alone 

Debt collectors have one goal: to get paid. And they’ll use every tactic possible—calling at all hours, sending letters, and even threatening lawsuits—to pressure you into paying. 

In Oregon, creditors can take up to 25% of your disposable income through wage garnishment if they get a court judgment. That’s a significant chunk of your paycheck—one that could make it even harder to cover your rent, groceries, or utilities. 

The good news? Filing for bankruptcy triggers an automatic stay, which forces creditors to stop their collection efforts immediately. That means no more harassing phone calls, no more wage garnishment, and no more threats of repossession. 

When Bankruptcy Can (And Can’t) Protect You 

For most debts—like credit cards, medical bills, and personal loans—filing for bankruptcy stops collection efforts immediately. However, there are exceptions. Some debts, like child support, alimony, and certain tax obligations, aren’t covered by bankruptcy protection. That’s why it’s crucial to get expert legal advice before making a decision. 

Attorney Kim Covington works closely with clients to assess their financial situation and determine the best course of action. Whether it’s a Chapter 7 or Chapter 13 bankruptcy, she helps individuals regain control of their financial future while protecting their rights. 

Fighting Back Against Unfair Debt Collection Practices 

Some debt collectors cross the line—making false threats, misrepresenting their legal authority, or even calling your employer. That’s why The Fair Debt Collection Practices Act (FDCPA) exists—to protect consumers from abusive collection tactics. 

Kim Covington holds creditors accountable when they violate these laws, helping clients push back against unfair debt collection practices. 

Take the First Step Toward Financial Relief 

If you’re drowning in debt and dealing with harassment from creditors, bankruptcy may be the reset you need. The Law Office of Kim Covington offers a free 1-hour consultation, giving you the chance to discuss your situation with an experienced attorney and explore your options. 

"This year, I had the pleasure of working with Kim, and I can't recommend them highly enough. From the very first consultation, they made me feel at ease during a challenging time. Their expertise in bankruptcy law was evident, and they took the time to explain every step of the process in a clear and compassionate manner," a satisfied client said. "Thanks to Kim, I was able to navigate my financial troubles with confidence and ultimately find a fresh start." 

Ready to stop the calls and reclaim your peace of mind? Call 541-393-2790 or visit https://www.kimcovington-bankruptcylawyer.com/ to schedule your consultation today.