When people call our office for the first time, they often have credit on their minds.
Your credit score can affect how and when you get a house, car, or other major purchase. Potential employers can run credit checks when you apply for a job. And bad credit can make you look irresponsible in the eyes of banks when you want to start a business or take out a loan for other reasons.
I don't say all of that to scare you. I say it because we all know it's true, and it's important you understand that our office takes your credit really seriously.
But there's good news! If you're in over your head with debt and worry about how bankruptcy will affect your credit, keep this in mind:
1. Your credit is probably already bad.
That's not meant to put you down but to put you at ease. If your credit is already bad, bankruptcy won't hurt nearly as much as you think. And it will free up your life from debt so that down the road, you can improve your credit more easily.
2. You may want to wait on a loan anyway.
Right now, at the moment you're reading this, getting out of debt should be your first priority. The house, the car, the small business - those are well within reach! But they will only come after your finances are in order.
3. You CAN improve your credit after bankruptcy!
We offer each of our clients a program to help them improve their credit score to an A rating of 720 or higher in as little as 12 months. That's a 720 credit score, even after a bankruptcy! The program costs $1000, and is well worth it for the results, but right now we're offering it to our new bankruptcy clients for FREE.
So if you're considering filing bankruptcy but the credit issue is holding you back, don't fret! We take your concern seriously and are here to help.
Call us today at 816-842-6200 to speak with an attorney. Or you can email us and schedule your free consultation.