Most viewers of this page will not have the best credit, if they have any credit all! That's why you're here and we have some great news for you.

You might be thinking that you don't need credit. Have you every called the phone company to order service? Every wonder what they are doing when they take your order and then put you on hold? You would be surprised!

One of the largest credit reporting companies in the USA sold all of it's credit history on most people to utility companies.

Now! Haven't you ever wonder why the utility company wants to know your Mothers maiden name? Are you thinking that they are just real friendly?

They are verifying that you are who you say you are, and they are making sure that you have paid all of your past utility bills with all similar companies.

Is that important information? No! Not really! It is meant to inform you that your credit history will be with you forever, even if you don't have a credit card. It's important to know how people are using this information, as this information can effect your life in many ways.

When you file Bankruptcy using Federal Laws, does that hurt your credit?

Well! Chances are your credit is hurt pretty bad to begin with. And, if you do nothing, your credit history will continue to get worse, not better. When you use Federal Laws, it stops the aging process. By that we mean that those bills that are 5 months old, or 3 months old, or more, will never age after the paperwork has been filed with the courts. How does this affect you? Stopping the aging process means that your credit report will not show a longer history of delinquency. So! In that sense, you can put a stop to the aging of bills. That's good!

Of course! It's better to repay everyone as originally agreed, but not everyone can do that and we are here to help those that just can't!

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Let's say that you are thinking about getting rid of all your bills using Bankruptcy. Does that mean that you will never have credit again? No! Not at all! Once we have filed your paperwork and have completed the process, which is approx. 90 days, you can get new credit quickly, if you want it.

Let's say that you need a car for getting back and forth to work. Your newspaper is full of car dealers who want your business.  The car dealer knows that you now, have NO Bills, except living expenses! You're out of debt and you most likely will not be in this situation again for some time. Second! He's in business to make money, as we all know. Sure! He's going to charge you a little extra to get you financing and a little more on your down payment...wouldn't you...if you were him. It's a small price to pay to get what you want. and to start establishing new credit immediately. Third! If you don't pay him, he knows he can just repo the car and sell it again and make even more money.

Why wouldn't this guy be anxious to put you right into a nice car? Just open your newspaper and look at the car dealer ads. What you will see is ads that say things like: "Bankruptcy - No Problem". When you use Federal Laws to consolidate your bills under Chapter 13, it's a different story. The car dealer knows that until your Chapter 13 case is complete, you are on a budget and that most of your spare money is going to repay at least some small part of your old bills. He also knows that if you don't make your monthly Chapter 13 payment, your case will get dismissed, and then every bill collector that you owe money to can jump on you all over again..... and that makes you a real risk in his book. 

People in Chapter 13 bankruptcy cases can start credit again but generally, they must wait until they complete their Chapter 13 cases the time when their remaining debts will be discharged.

It is also a requirement in Chapter 13 that any changes in your budget, like the purchase of a new car, be approved by the Court. The idea is this. Your Chapter 13 Trustee and the Court want to make sure you don't take on any big, extra debts that might make it impossible for you to successfully complete your Chapter 13 plan. Think about it. This is really for your protection.

We discuss all of this...and more... with you when you come in for your first FREE Confidential visit.

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Some people are worried about a security clearance, or military standing, or their job. And they should have some concerns! If they are behind in their payments, they should move quickly, and get a jump on the collection process. You can go a long way toward protecting your family, your job, your reputation, and your future credit....but only if you get good, sound legal advice....before things gets worse.

There are numerous ways to deal with debts and we can't go over the various options here, but rest assured that answers to your debt questions are only a FREE Debt Consultation away.

The quicker you get answers, the quicker you can start re-building your credit.

And remember this....The first step in re-building your credit is to get rid of some debt.

Call today to set up your totally FREE Debt Consultation!
We can help!