Bankruptcy Attorney in Tampa FL | (813) 672-1900

Bankruptcy Attorney in Tampa FL | (813) 672-1900
Call now for free consultation | www.FamilyMaritalLaw.com
Bankruptcy can be a challenging time, but it can also be an opportunity for a fresh start.
Studies show that within 3 years of declaring bankruptcy most people have raised their credit score above 640 into fair or even good credit territory.
Along the way you will need to:
1. Stay on top of your credit report. Make sure that the debt erased during bankruptcy no longer appears on your credit report.
a. Check your report regularly for questionable charges, and immediately contact the credit reporting agencies about them.
2. Steer clear of credit repair scams. People who file for bankruptcy are often bombarded with offers for credit repair.
a. Classic signs of scams are asking for payment up-front, not telling you your legal rights, or instructing you to not contact the credit reporting agencies.
3. Take stock of the mistakes that got you into financial trouble.
a. Avoid high interest credit products – credit cards, pay day loans, etc.
b. Create a realistic budget that’s within your means and stick to it.
c. Find ways to increase your income, and yes, cut expenses.
4. Now’s the time to start rebuilding your credit:
a. A secured credit card can be one of the most powerful tools for a fresh start.
b. Rebuild your credit by increasing your credit mix –
c. Companies such as Rent Track or Rent Reporters allow you to report your on-time rent payments to the credit bureaus.
d. This can increase your credit by about 50 to 70 points in just a few months.
5. Don’t take on any new credit if you’re in any way unsure that you can’t handle it. Otherwise, you could end up right back where you started.
A bankruptcy can be a new beginning.
A chance to wipe the slate clean and make a stronger, more prosperous future for yourself.
For More information and a Free Bankruptcy Consultation please call (813) 672-1900
or visit us online today at www.FamilyMaritalLaw.com

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