You Can Rebuild Your Credit After Bankruptcy
For many people, the thought of filing bankruptcy is 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, think that bankruptcy will ruin their credit rating forever, and think that they will be driving junker cars and living in run-down apartments because of bankruptcy.
I am bankruptcy attorney Peter Scribner, Esq. 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 the new beginning you need. Call 585-643-7109.
Getting Back On Your Feet After Bankruptcy Means Following A Simple Plan
Let’s get serious: Bankruptcy is the appropriate option only if you can’t otherwise pay off your debts. While filing bankruptcy has serious effects on your credit rating, not paying your debts also damages your credit. In most cases, you can start rebuilding your credit rating immediately after your bankruptcy becomes final.
After more than 30 years of bankruptcy work, I am a lawyer who can help you navigate your recovery, including:
- Creating a full account of your remaining, nondischarged debts
- Getting an accurate picture of your income and other expenses
- Developing a long-term recovery plan
You are not alone in financial recovery. And, once garnishment and foreclosures have stopped, you have the chance to get back on your feet.
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 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.