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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

  • “They helped us budget and find the best way to complete the plan.”

    Alice I.

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

    Rich W.

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

    Robert L.

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

    Nicole

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

    Lisa S.

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

    Mike L.

  • “We felt safe and sure that they would fight on our behalf and they did. ”

    Butch K.

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

    Patti D.

  • “We are now able to move forward in our medical practice and are becoming financially successful.”

    Dr. R.

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

    Sandy B.

  • “He is very knowledgeable and kept me informed. His relationship skills, responsiveness, quality of service and value for money is a cut above. ”

    Chris D.

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

    Craig M.

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

    Raad T.

  • “He thoroughly explained all the best options I have available during this difficult process and I feel confident about the decisions I have made.”

    Michael H.

  • “Everyone has always been very courteous and extremely helpful.”

    Deborah M.

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