Valencia Credit Restoration Lawyer

Restoring Credit After Bankruptcy

It is a common myth that bankruptcy will "ruin" your credit. The truth is that after your bankruptcy is compete, you will have no unpaid debt on your credit report and you will now be able to rebuild your credit through careful financial management and paying your bills in a timely manner. While you may face increased interest rates on any new credit cards or car loans, if you pay them off regularly and show your creditors you are being responsible financially, your credit score can improve dramatically within just a few years.

We have successfully helped thousands of our clients eliminate their debt and start building a new financial future for themselves and their families through bankruptcy since 2001. Our attorneys are dedicated to helping individuals and business owners protect their valuable assets and get relief from the harassment of collection agencies while using bankruptcy to either discharge all their unsecured debt through chapter 7 or reorganize and pay off their debt over time with chapter 13. When you come into our offices for your free consultation, we will review your finances and advise you on what your best options are.

Credit Restoration Attorney in Valencia

Another step in restoring your good credit after bankruptcy involves reviewing your various credit reports to make sure that any remaining derogatory comments are removed. While there are companies that advertise to do this for you, it is something you can do yourself. Your bankruptcy lawyer can explain how to do this or can assist you in the process if necessary. There are other methods of improving your credit rating including secured credit cards and getting a co-signed loan with another person who has good credit. Making the payments and paying off such loans reflects well on both party's credit reports. To discuss what you can expect after your bankruptcy, speak to an attorney at our offices.