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Life After Bankruptcy

California and Nevada Bankruptcy Lawyers

Imagine a life free from debt. What dreams have you had to put on hold because your debt was holding you back? Many people struggling with debt work simply to keep up with late fees and interest charges — making no headway in eliminating the actual debt. Bankruptcy offers the possibility of true debt relief and a fresh financial start. There is life after bankruptcy!

At Bankruptcy Law Group, PC, we help people who are struggling with debt file for Chapter 7 and Chapter 13 bankruptcy. If you have had enough of the creditor harassment and tactics, our attorneys are here to help you explore your debt relief options.

Contact us today online or call us now to take your first step to realizing life after bankruptcy. For your convenience, we have law offices in Sacramento, Fairfield, and Redding, California, as well as Reno, Nevada.

Rebuilding Your Credit Through Bankruptcy

Is there life after bankruptcy? Of course there is! One of the most common bankruptcy myths is that filing for bankruptcy will prevent you from ever having good credit again. In fact, many people who file for bankruptcy are able to build a good credit score within two years and a great credit score within five years, provided they make sound financial decisions.

One thing you can do to start rebuilding your credit after bankruptcy is get a secured credit card and make regular payments. We suggest using this card to pay for necessities like food and gas, and paying the credit card bill every month. This way, you are not spending any more than if you paid cash, and you are rebuilding your credit in the process.

Our attorneys are not only well-versed in bankruptcy law, but we understand the real life problems our clients are facing. Our attorney Chad M. Johnson filed for bankruptcy shortly after graduating from law school and quickly began rebuilding his credit and getting on with life after bankruptcy. Our goal is to help you put your debt problems behind you for good, so you can get on with your own hopes and dreams.

You Can Get Credit After Bankruptcy

It is a common bankruptcy myth that you cannot get credit after bankruptcy. In fact, this is far from the truth. While it might take a year or two, and require diligence on your part, bankruptcy can help you restore your credit.

At Bankruptcy Law Group, PC, we help clients throughout California and Nevada with a wide range of bankruptcy and debt relief matters. We are dedicated to helping you achieve debt relief and enjoying a more stable financial future.

Contact us today to discuss your debt relief options. Our California bankruptcy lawyers are here to help.

Bankruptcy and Your Financial Future

While bankruptcy will have a negative impact on your credit, most people who file for bankruptcy had serious credit problems to begin with. In fact, bankruptcy can be the turning point in moving from years of bad credit to a restored credit rating.

After bankruptcy, your credit is going to remain low unless you make some positive developments. It is important to be proactive in rebuilding your credit, while never taking on debt that is beyond your means or even close to it.

If you wish to rebuild your credit, you may want to consider taking on a secured credit card. Only buy necessities like gas and food — things you would normally pay cash for — with your new credit card. You may also wish to finance an affordable car. Saving up money for a sizable down payment can help keep interest rates manageable. Depending on your circumstances, you may even be able to buy a home after bankruptcy in a relatively short period of time.

It is also important to keep a close watch on your credit report. Your creditors are legally responsible for updating your credit accounts to the three major credit reporting bureaus. If they fail to do so, remind them, or talk with an attorney about possible legal actions.

Our attorneys can guide you through all stages of the bankruptcy process and advise you on successful strategies for rebuilding your credit after bankruptcy.

Buying a Home After Discharge

While bankruptcy can have a negative impact on your ability to secure a home loan, it does not mean you cannot buy a home in a relatively short period of time after discharge. In fact, with careful planning and taking the right steps to improve your credit, you could secure a home loan in as little as 18 - 24 months.

If you have questions about buying a home after bankruptcy, the lawyers at Bankruptcy Law Group, PC, are here to help. We will work with you personally to help you achieve your debt relief goals.

Contact us today to discuss your debt relief options. Our California bankruptcy lawyers are here to help.

Buying a Home After Bankruptcy

While your financial situation may be confused prior to bankruptcy, you typically know exactly where you stand after filing. This is beneficial in that it can help you decide if buying a home is within your means.

Under FHA guidelines, you can qualify for a home loan 18 months after filing for bankruptcy. Interest rates will typically be higher with a bankruptcy on your credit report, but you can mitigate them to some extent by saving up money for a sizable down payment.

Our attorneys can advise you on successful strategies to improve your credit after bankruptcy and about topics such as buying a car and applying for new lines of credit. We know the bankruptcy process and are prepared to help you enjoy the freedoms of a life without debt.

Schedule Your Free Consultation & Bully Back

If you are facing an overwhelming debt burden and are interested in living life after bankruptcy, our bankruptcy lawyers are here to help. Contact us today online to schedule a free debt relief consultation with an experienced Nevada or California bankruptcy attorney. We hold regular office hours and are available evenings and weekends by appointment. We also speak Spanish.