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  • Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

New Credit After Bankruptcy

New credit after bankruptcyYou may think a bankruptcy damages your credit score tremendously. Or that it establishes your image as financially unreliable to the creditors. The truth is, it doesn’t imply that you can never procure credit again. There is a myriad of lending companies out there that will be willing to offer you credit after Sacramento bankruptcy. Also, obtaining new credit after bankruptcy will help reestablish your credit score.

New credit after bankruptcy

First off,  there is one exceptionally attractive aspect of your financial situation that will appeal to any prospective lender. You have no debt! Getting rid of all your previous debt implies that you will be more responsible. In the long run, in control of a new credit that you might obtain. Also, you cannot file another bankruptcy for a very long time. This means prospective lenders would view you as a profitable client who is not going away soon.

However, there is some risk involved in doing business with a person who has just dealt with a bankruptcy. After all, bankruptcy can result from self inflicted circumstances.  To cover for this risk, the lender will most likely quote a higher rate of interest and annual fees on your credit cards and so on. However, taking out a new credit will provide you the opportunity to negotiate an affordable repayment plan with your lender and build your credit thereon.

So, basically, when you apply for a new credit card after bankruptcy, you must treat it as a credit building instrument and not something to make mindless use of. Restrict the use of your credit cards for emergencies and employ your account balances and incomes to pay off your monthly bills and debt. This will help you manage you finances more efficiently and stay on top of your credit commitments in the long run.

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