Learn How Bankruptcy Can Affect Your Credit Score
Contrary to popular belief, filing for bankruptcy does not automatically ruin your credit score. Despite the fact that a Chapter 7 bankruptcy can remain on your credit reports for10 years and a Chapter 13 bankruptcy for 6 years, by doing the right things after bankruptcy most of my clients have actually improved their credit score after filing bankruptcy.
If your credit score is already low, bankruptcy may do little if anything to your score. If your score is high, filing bankruptcy will cause an initial drop in your score. Whether your score was low or high before bankruptcy, by following my credit repair program you can get your score to a decent level (B+ or A-) within one to two years after bankruptcy.
In fact, most clients who follow my credit repair program end up with the best credit they've ever had just months after filing bankruptcy.
How can credit repair program improve my credit score?
The sad fact is that millions of people who have filed bankruptcy never took the important steps necessary to help rebuild their credit rating, causing their credit to suffer for years after bankruptcy. These people will tell you that bankruptcy destroyed their credit. The truth is their credit never improved because their attorney never gave them proper guidance and advice before and after bankruptcy. Sapinski Law Office, S.C. is different. My team and I are committed to making sure you get a true fresh start. I can show you how to rebuild your credit score.
My revolutionary credit repair program will show you:
- The meaning behind the "risk score" or "credit score" and how it can be increased after you eliminate bad debts or file bankruptcy
- How to use and manage post-bankruptcy debt to rebuild your credit score
- How to obtain your credit report before bankruptcy and how to properly disclose all your creditors in the bankruptcy papers you file with the court to ensure the debts with those creditors come off your credit report
- How to obtain your credit report and analyze it for inaccurate and negative entries after bankruptcy
- How to use the Fair Credit Reporting Act (FCRA) to compel your credit bureaus to report a $0 balance after bankruptcy and rebuild your credit score
- How to obtain new debt and credit after bankruptcy
- How to refinance or obtain a new mortgage within 12 - 24 months after bankruptcy
There are certain specific things you can do to dramatically improve and restore your credit score. This may seem hard to believe, but it is true. I am so committed to making sure you receive a true fresh start, that I will not charge you extra fees for my credit repair program.
Get to know Attorney Sapinski and how he will work with you to achieve a better financial future.
20+ Years of Legal Experience
2,000+ Bankruptcy Cases Successfully Resolved
Simple & Hassle-Free Payment Plans
Free Credit Restoration After Bankruptcy Filing
“You definitely took away a lot of the pain.”- T.B.
“If you are in need of legal assistance in the area of debt relief or bankruptcy, I would highly recommend Andrew Sapinsky.”- V.S.
“I would recommend Sapinski Law Office, S.C. to anyone facing bankruptcy.”- Will