How To Stop Debt Collectors From Harassing You: Oregon Bankruptcy Lawyer Answers

Eugene-based bankruptcy attorney Kim Covington (541-393-2790) helps families stop creditor harassment fast. From debt collector calls to agency lawsuits, her protection services give clients legal help and breathing room to rebuild their future. Learn more: https://www.kimcovington-bankruptcylawyer.com

Episode Transcript

Speaker 1 (00:00):
Let's be real, there's nothing more stressful than dealing with
relentless debt collectors. Imagine this. You're trying to have dinner
with your family when the phone rings again. It's the
same collector who already called you at work today demanding
money you don't have. The letters keep piling up, and
you start dreading even checking your voicemail sound familiar. You

(00:22):
don't have to keep living like this. At the law
office of Kim Covington and Eugene, Oregon, they help families
put an end to creditor harassment every single day. With
one call, you can schedule a free consultation and finally
get some peace of mind. Here's how it works. The
moment you file for bankruptcy, something powerful kicks in. It's
called the automatic stay, and what that means is simple.

(00:45):
Those calls, those threatening letters, even lawsuits, they have to stop.
By law attorney Kim Covington uses this protection to create
an immediate barrier between you and debt collectors. That breathing
room allows you to focus on your financial recovery instead
of living in fear of the next call. Studies from
the Consumer Financial Protection Bureau and Pew Research Center show

(01:06):
what many of you already know. Collectors often push way
too far, constant phone calls, pressure to make payments you
can't afford, and even privacy violations. These tactics cause real stress,
and regulators are cracking down harder than ever. As Kim explains,
filing for bankruptcy protection creates an immediate legal barrier between

(01:26):
you and debt collectors. The automatic stay provision gives families
the space they need to address their finances without constant harassment.
That protection can cover a lot of what you're facing,
like wage garnishment threats, foreclosure proceedings, vehicle repossession attempts, and
even lawsuit threats from collection agencies. And while you're under

(01:46):
that shield, you can pursue debt discharge through Chapter seven
or work out a repayment plan under Chapter thirteen. Kim
knows money is already tight, which is why consultations are
always free. Chapter seven cases start at twelve hundred dollars
plus court costs. Chapter thirteen cases require a seven hundred
and fifty down payment, and yes, payment plans are available.

(02:10):
You don't have to spend another day jumping every time
the phone rings. You do have options, and they can
take effect immediately call the practice today for free consultation,
or learn more about how bankruptcy protection can give you
your life back by clicking on the link in the
description