New Port Richey

5422 Trouble Creek Rd 

You Can Restore Credit After Filing Bankruptcy

Suppose you are considering bankruptcy or have filed for personal bankruptcy to get a fresh financial start. In that case, you may believe your credit record is permanently ruined. Contrary to the popular myth, there is life after Bankruptcy. You can re-establish your credit within 24 months of a bankruptcy filing. 

 

At the Debt Relief Law Offices Of Tampa Bay, LLC, we have helped hundreds of individuals gain control of their finances by filing Bankruptcy. Attorney Ziona Kopelovich is certified in consumer bankruptcy law by the American Board of Certification. She understands all aspects of Bankruptcy, including how it may affect your credit rating. Contact our office for a free consultation with an experienced bankruptcy attorney. 

Debt Attorney — Tampa, FL — Debt Relief Law Offices of Tampa Bay
Couple Reviewing Their Debts — Tampa, FL — Debt Relief Law Offices of Tampa Bay

Tips for Improving Your Credit

Under the Fair Credit Reporting Act, bankruptcy can remain on your record for 10 years. However, even before it is cleared from your record, you may find that your credit rating improves. Creditors look at your debt-to-income ratio when they make decisions about offering credit. After you successfully complete Bankruptcy, your debt-to-income balance will be better than it was previously. 

There are several steps you can take to improve your credit after Bankruptcy, including: 

 

  • Watch your spending. Refrain from letting your debt-to-income ratio get out of control. 
  • Pay your monthly bills and make loan payments on time. 
  • Check your credit report three months after your Bankruptcy is complete to ensure all discharged debt has been removed. If there are errors, work with the credit reporting agencies to have them corrected. 
  • It is a good idea to obtain a copy of your discharge to have proof that all dischargeable debts have been cleared. You can get a copy of your discharge from the clerk's office of the Bankruptcy Court of the Middle District of Florida. 
  • Do not use your available credit over 10% 

Contact Our Office

We provide a FREE initial consultation. Contact our office by e-mail at Ziona@debtrelieftampabay.com or contact one of our 2 offices throughout Tampa Bay in New Port Richey, 727-849-DEBT (3328), Tampa, 813-765-DEBT (3328) for a confidential meeting. 

 

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. 

Looking for advice on life after bankruptcy? Simply call throughout Tampa Bay in New Port Richey, 727-849-DEBT (3328), and in Tampa, 813-765-DEBT (3328) for a confidential meeting.

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