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Credit After Bankruptcy

Call Attorney Janet Mertes - (805) 291-4858

Filing for bankruptcy can have a detrimental effect on your credit for several years. The negative repercussions, however, will slowly dissipate with time, and in the interim, you can work on building your credit back up. When you declare bankruptcy, make sure you also speak with a trusted Ventura bankruptcy lawyer who can inform you of the damage done to your credit and how to get back on the right track.

At the Law Offices of Janet L. Mertes, we believe every client deserves to be fully informed of their options when struggling to manage their debt. Our firm can protect those being harassed by collectors and can work to put a stop to wage garnishments and bank levies. Let us work alongside you to counsel you through difficult financial times.

Rebuilding Your Credit

While your credit score will take a hit from filing bankruptcy, there are concrete steps you can take to improve your score during the seven to ten years before the bankruptcy stays on your credit report.

Proactive steps you can take to restore credit include:

  • Get credit by obtaining and (responsibly) using a credit card
  • Make any and all bill payments on time
  • Avoid using a large amount of your available credit
  • Check your credit score each year for potential errors

Taking these steps will keep your credit rating from falling any further so that you can purchase a home or vehicle with your improved credit once your bankruptcy is no longer on your report.

We take Your Financial Future Seriously

Practicing good money management which can include living according to a strict budget can make you much better able to handle your money efficiently. Our Ventura attorney can help you come up with a workable financial strategy to rebuild your credit after filing for bankruptcy.

Discuss your financial situation today during a free consultation—(805) 291-4858.

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