Rebuilding Your Credit

If the main focus before filing a St. Louis bankruptcy (whether it is a St. Louis Chapter 7 or a St. Louis Chapter 13) is getting rid of unsecured debt like credit cards and medical bills (or stopping things like harassing calls from creditors and lawsuits filed against you), then the number one goal after the case is filed would be rebuilding your credit.

The most common misperception about filing for bankruptcy is that doing so will ruin your credit forever. But the government describes the bankruptcy process as a “fresh start / clean slate”. It is a chance to wipe the slate clean, and make a fresh start towards a much less stressful life. Once all the creditors are discharged, the opportunity to repair your credit score will be immediate. You will have a chance to take out new credit cards (so as to reestablish a line of credit) within days of receiving your discharge. Obtaining a car loan at a decent rate can be done within a year of your case. And most people are able to purchase real estate within two years after having filed a bankruptcy petition.

These opportunities exist for a simple reason: So that you can get back on solid financial ground sooner rather than later. The St. Louis bankruptcy lawyers at The Bankruptcy Company have assisted thousands of people in reaching this goal.

Client Reviews
I contacted The Bankruptcy Company for a speeding ticket. The service they provided was excellent and affordable. After emailing them a copy of the ticket, they they took care of everything else. I have referred several friends there, and they all have had the same experience. I highly recommend them. Ann Schrodt
All I'm gonna say is, if your using this office, Jennifer P. Alter gets things done, answers questions, e-mails quickly & professionally .... totally recommend her .... SHE ROCKS!! Andre Valentini
I've used this firm twice, both for speeding tickets. Both times it was zero hassle: just a matter of giving them the ticket. I've also recommended them to my friends, who have had the same experience. (My friends and I speed a lot.) Highly recommended. I'm sure I'll be back. David Rieken