When people go through bankruptcy, whether they use Chapter 7 or Chapter 13, one of their top concerns is repairing their credit score afterwards. It is a valid concern, as bankruptcy can negatively impact your credit score, and a poor credit score can make your future finances and purchases harder to manage. In order to help people through bankruptcy from the beginning and even beyond the end, my law firm offers comprehensive credit repair services to our bankruptcy clients who have completed their bankruptcy case.
Making Credit Repair Possible for You
Creditors are not on your side when you need to repair your credit. Industry regulations are also prone to causing complications for the consumer, not for creditors and banking institutions. This places you in a difficult situation after completing your bankruptcy. Allow our credit repair specialist in North Andover to guide you through the process, providing unique legal insight whenever necessary.
Parts of a typical credit repair process include:
Credit score check: Before we can get to work on the repair of your credit score, we need to have a clear picture of it after your bankruptcy ended. We can help you get an accurate credit score from nationwide credit groups, like Experian, Equifax, and TransUnion.
Correspondence: In some cases, credit score repair will be hindered by miscommunications among yourself, your creditors, and your banks. We will make certain to send out proper notifications and correspondences as needed to eliminate any confusion.
Legal action: If a credit group oversteps legal boundaries after your bankruptcy concludes, you can depend on us to advise the best course of legal action in response.
General counsel: One of the most important parts of credit repair is learning to properly manage income and expenses. Our credit repair system can help you craft financial plans for now and the future that keep you afloat while restoring your credit score. This takes a careful balance of spending and repaying credit balances regularly.
by Doug Beaton