Florham Park Attorneys Helping You Find Proper Credit Counseling
People who have never filed bankruptcy before often mistakenly believe that filing bankruptcy means that you will never get credit again. They believe that going bankrupt is the worst thing they can do for themselves. Luckily, these people are wrong.
At Levine & Levine, we have spent decades representing clients just like you in the bankruptcy process. We understand that bankruptcy has many benefits to offer the average consumer. For more information on the benefits of bankruptcy and how you can regain your life after bankruptcy, contact one of our Morris County credit repair attorneys.
We Can Help You Understand How to Rebuild Your Credit
The whole point of bankruptcy is to get a fresh financial start. Contrary to popular belief, you will not be left poor, and you will have credit opportunities come your way. To make the best of your fresh start, however, there are two key points that you must remember:
- Be patient: It is quite easy to repair your credit, but doing so does take time. You will not have perfect credit again overnight, but you can make steady improvements on your credit score each month when you make the right, smart decisions.
- Be smart: To rebuild your credit, you have to first have credit. When credit card companies send you applications for new cards, which will happen, review them. Make the choice about which offer you will accept. Then use your card sparingly each month. Pay off your credit card every month. In situations where you know it will take you a couple months to pay off your card, make sure you are making more than the minimum payment. Submit your payments on time, if not early.
If you would like further guidance as to how to repair your credit after a Chapter 7 or Chapter 13 bankruptcy, speak with one of our bankruptcy attorneys. We will answer your questions or refer you to a credit counseling agency that may be of more service.
Contact Us for More Information
When you are seeking ways to improve or repair your credit after bankruptcy, speak with a knowledgeable, dedicated bankruptcy lawyer. Contact us online or call us at (973) 210-7050 to schedule your free initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.