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Restore Your Credit Score After Bankruptcy You Have Options Available

Rebuilding Credit

Mesa Bankruptcy Attorneys: (480) 568-2333

Many people already have bad credit by the time they visit our Mesa law office. Still, they worry that filing for bankruptcy will make a bad situation worse. At Campbell & Coombs, P.C., we often counsel our clients about rebuilding their credit after bankruptcy. Contrary to what most people think, it is possible and can be achieved with careful planning and guidance.

We often explain to clients that:

  • You will be solicited for car loans and credit cards within days of filing for bankruptcy.
  • If you have a job, you will usually be able to reestablish your credit in a year or two.
  • You will probably be eligible to buy a house within two years.

Often, the only thing standing between you and good credit after bankruptcy is knowing what steps to take next. Talking with an experienced bankruptcy lawyer can help you understand how to get a credit card (or how to avoid one), how to get a car loan without paying too much interest, rent an apartment, buy a home or even refinance.

How to Rebuild Your Credit After Bankruptcy

There are several ways that you can rebuild your credit after bankruptcy:

  • Many people find that the easiest way to start re-establishing credit is with a secured credit card with a local credit union or bank. To get started, you provide the bank with a certain amount of money and receive credit in that amount. By making regular payments on your card, you can begin to rebuild your credit.
  • After making regular payments for a set period of time, often 12 to 24 months, you may be eligible for an unsecured credit card. A card is "unsecured" when you do not need to give the lending institution money before credit is extended to you.
  • You may also apply for secured or unsecured loans, or use retail or gas credit cards after bankruptcy. It is often possible to receive credit from banks and credit unions. However, it is important that you avoid high fees and interest rates and make smart decisions about debt — otherwise you could face financial problems again.

It is possible to restore your credit after bankruptcy. Don't let fear of a bad credit score keep you from seeking freedom from debt.

Call our team at (480) 568-2333 if you are interested in rebuilding your credit.

Testimonials From Our Clients

  • “Mr. Campbell always has the client's best interest in mind.”

    Danny B.

  • “Hal has the clients best interest in mind and does everything he can to ease their stress level.”

    Patti D.

  • “I wouldn't use any one else to represent me.”

    Robert L.

  • “Very responsive to our needs and questions and got great results!”

    Mike L.

  • “Your team has changed my life in a positive way forever! ”

    Rich W.

  • “He was always ahead of the game and answered our questions before we could ask them.”

    Yvonne W.

  • “Thank you for guiding us to make the best decisions.”

    Chad H.

  • “They were always very professional and very patient with our many questions. ”


  • “Ms. Sandoval has been really helpful and truly caring about our situation.”

    Craig M.

  • “Helping me understand the questions and procedures was very helpful.”

    Sandy B.

  • “Thanks again for getting us through a difficult time.”

    Lisa S.

  • “We are extremely satisfied, very happy and appreciative of everyone's help in your office. ”

    Raad T.

  • “He was able to remove debt I wasn't expecting to go away. That was a bonus.”

    Liz S.

  • “Mr. Campbell is incredibly knowledgeable on all aspects of the law and makes you feel comfortable throughout the entire process. ”

    John L.

  • “You are a very knowledgeable, concerned and efficient attorney.”

    Joy B.

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