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6 Tips to Increase Your Credit Score After Filing Bankruptcy

January 23rd, 2017 Posted by Bankruptcy 0 comments on “6 Tips to Increase Your Credit Score After Filing Bankruptcy”

Filing for bankruptcy is an important decision, and the Washington Law Center wants to make sure that the type of bankruptcy protection that you choose is the right one for you. Here are 6 tips to increasing your credit score after you obtain your bankruptcy discharge:

1.  Apply for 1 to 3 secured credit cards. I recommend getting a card that will allow you to put as high a deposit as possible. Why?  The disposable balance the credit card will report to the credit bureaus will be the same as your deposit. So, if you put down a $3,000 deposit, your credit report will show that you have access to $3,000 and that will significantly pump up your score, as a low balance-to-maximum ratio is favorable.

2.  Once you get the secured credit cards, only use them for small items such as gas. Also, pay off the small balance each month. The initial credit increase I mentioned previously will go away if you start to carry a balance. (more…)

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What Should I Expect From Hiring a Bankruptcy Attorney

January 23rd, 2017 Posted by Bankruptcy 0 comments on “What Should I Expect From Hiring a Bankruptcy Attorney”

America leads the world in bankruptcy law innovation, which means ensuring that consumers can defend themselves against creditors, and impossible debts can be restructured or discharged. Below is a list of questions and some answers you should know to make sure your filing of a bankruptcy claim goes smoothly.

1.  Is bankruptcy my best solution?

This question should provide you with a lot of answers.  The bankruptcy attorney should explain both Chapter 7 and Chapter 13 bankruptcies and offer recommendations or options based on your individual situation.  The recommendations should also be supported with the pros and cons needed to make the right decision for your financial future.

2.  What are the benefits of filing for bankruptcy?

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