Call Now
(916) 780-7005
Click Here
Free Case Analysis
MENU
  • 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

Repairing Credit After Bankruptcy

repairing credit after bankruptcyWhile a bankruptcy helps you manage your financial crisis better and start afresh with a clean slate, it also damages your credit score greatly. However, this does not imply that your finances have been ruined forever. Nor does it mean that you will never be able to procure any credit in the future. Modifying your financial habits a little and handling your credit responsibly are ways of repairing credit after bankruptcy.

Repairing credit after bankruptcy

The first and foremost step towards repairing your credit after bankruptcy is reviewing your credit report. Analyze your current situation with an open mind. You must know exactly where you stand and where you wish to go. You can obtain copies of your credit report from any of the three major bureaus. If you spot any errors, dispute them and get them fixed.

Once you have discharged all your debts under bankruptcy, you might want to apply for fresh credit to rebuild your credit rating. There are tons of lending agencies that offer low limit credit cards to people who have just suffered a bankruptcy. However, these credit cards often come with a hefty annual fee and rate of interest. You can also go for credit cards that are backed by the funds deposited in their account.

Create a budget to handle your finances in a better way. Keep a log of your monthly income and expenses. Then, ensure that you steer clear of the habit of spending more than you can afford. This will stabilize your finances and help minimize your debts. Also, borrow only as much as you can afford to borrow. For instance, if you are well aware that you cannot afford a trip to Paris on your current budget, it is only smart to not get caught in the temptation of using your credit card for the purpose.

If you are considering bankruptcy or just exiting bankruptcy, your Sacramento bankruptcy attorney can help you rebuild your credit profile.

Categorized in: