Jump to Navigation
888.326.7220 | 585.563.4535 e-mail usRegain Control of your life

What Will My Life Be Like After Bankruptcy?

Western New York Bankruptcy Lawyer

You Can Rebuild Your Credit and Your Life After Bankruptcy.

For many people, the thought of filing bankruptcy is very troubling. After all, we were all raised to believe that a debt should be repaid. Many people feel like they are deadbeats if they can't pay their debts, that bankruptcy will ruin their credit rating forever, and that they will be driving junker cars and living in run-down apartments because of bankruptcy.

Let's get serious: Bankruptcy is the appropriate option only if you can't otherwise pay off your debts. If your debts are not so high and you have the income to pay them off outside bankruptcy, you should do so. But if, for example, your credit cards and medical debts exceed your annual income, it is hard to imagine how these debts will ever be paid. Making "minimum payments" on your credit card debts is not the same as paying them off; often the minimum payment is so low that it would take 30 years to pay off a debt through minimum payments. While filing bankruptcy has serious effects on your credit rating, not paying your debts also damages your credit.

Life after bankruptcy isn't the horror you may think it is.

I am bankruptcy attorney Peter R. Scribner. I believe that you should do your best to try to repay the money you owe. But the fact is that high interest rates, penalties and hidden fees may be making it impossible for you to meet your obligations. Bankruptcy isn't an end to your credit history. It's a new beginning you need.

Getting back on your feet after bankruptcy means following a simple plan.

Contact my office in Rochester, New York, to discuss your personal debt situation. I provide a free consultation about filing Chapter 7 or Chapter 13 bankruptcy and will give you honest answers about your life after bankruptcy. In most cases, you can start rebuilding your credit rating immediately after your bankruptcy becomes final.

Life after bankruptcy starts by getting straight answers about the process.

When we talk on the phone, I'll give you straight answers about rebuilding your credit after bankruptcy. I have a brochure available from a reputable nonprofit credit counseling service that I invite you to read. It will tell you what to expect and how to get back on your credit feet. There is a simple plan to help you overcome the negative impact of filing for bankruptcy. Even if you decide not to hire me to represent you, please talk to me about your options and what to expect.

Contact me to learn more about how I can help you get the fresh start your family needs.