SAVING YOU HUNDREDS, EVEN THOUSANDS IN BANKRUPTCY LEGAL FEES

Low lawyer fees based on your situation

Pay $0 down in most cases

Make payments based on your ability to pay

Why Choose Atlanta Bankruptcy Attorney Jack Sisson When Considering Chapter 7 or 13 Bankruptcy?

At the Atlanta Low Cost Bankruptcy Center, Law Offices of Jack Sisson, you receive personal, direct service from Atlanta bankruptcy attorney Jack Sisson. You are not handed off to junior staff under the supervision of an attorney like large firms. We will personally help you through the complicated bankruptcy process.

Call Us Today to Schedule a FREE Bankruptcy Lawyer Phone Consultation  (434) 337-3371

First class

"Your firm has given me faith that there actually are some good people in the field of law. My experience with Rubin and Associates was first class. Thank you for treating me with such dignity, patience, and care.” - David

Find the low cost bankruptcy attorney near you and request a free initial consultation

During your free initial consultation, your low cost bankruptcy attorney will spend whatever time is necessary with you to analyze your unique case. He or she will provide immediate feedback and a preliminary estimate of how much you can expect to pay, including all required court costs.

1

2

Collect your paperwork

A second meeting is scheduled to obtain your information and documents, though often this can be done via a secure online portal. From that information, your low cost bankruptcy attorney will prepare your petition for your review and signature. It usually takes just a few days to complete, but in emergencies your low cost bankruptcy attorney can often react in hours.

3

Review and sign your petition

Once you have reviewed and signed your bankruptcy petition, your low cost bankruptcy attorney will file your case with the court and keep you informed throughout the process.

LowCostBankruptcyCenters.com is a public service site to help people in financial need save money when hiring a bankruptcy attorney in the United States. It is not an attorney referral service or law firm. Bankruptcy law firms associated with Low Cost Bankruptcy Centers of America are independently owned and operated and may pay to receive inquiries through the organization. LeadQ Group takes no responsibility for the actions of the attorneys on this site. The decision to hire an attorney is an important one and should be made with a complete understanding of the consequences of filing bankruptcy and choosing and retaining a lawyer.

The information contained in this web site is intended to convey general information. It should not be construed as legal advice or opinion. It is not an offer to represent you, nor is it intended to create an attorney-client relationship. Testimonials are from clients of law firms listed on this site; photos are not the actual clients and are for representation purposes only. Every case and client experience is unique and should not be construed to be an indication of your experience or a specific case outcome with any specific attorney.

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Low Cost Bankruptcy Centers of America and logo are registered trademarks of LeadQ Group. Site and content ©2020 LeadQ Group. All rights reserved. Contact Low Cost Bankruptcy Centers of America / LeadQ Group at 871 Coronado Center Dr., Suite 200, Henderson NV 89052, info@lowcostbankruptcycenters.com

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Low Cost Bankruptcy Blog

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Why Choose Kansas City Bankruptcy Attorney Bill Sisson When Considering Chapter 7 or 13 Bankruptcy?

At the Kansas City Low Cost Bankruptcy Center, Law Offices of Bill Sisson, you receive personal, direct service from Kansas City bankruptcy attorney Bill Sisson. You are not handed off to junior staff under the supervision of an attorney like large firms. We will personally help you through the complicated bankruptcy process.

Tips to Rebuild Your Credit Score After Bankruptcy

Published by Low Cost Bankruptcy Centers of America

Yes, it is possible to rebuild your credit score after bankruptcy. While filing bankruptcy may impact your credit for up to 10 years, it doesn’t mean that you won’t be able to receive new credit, rebuild your credit score or recover your financial health during that time.

In fact, you may be able to return your credit score – and creditworthiness – to nearly the same level as a typical consumer in just a few short years.

You must be pro-active though. Rebuilding your credit score will not happen automatically over time.

Tips to Help Rebuild Your Credit Score After Bankruptcy

1  Review Your Credit Report Following Discharge, Dispute Incorrect Items
Incorrect items may include pre-bankruptcy debt that was discharged, and the amount of debt you may still owe that was not dismissed. Getting these items corrected can quickly improve your credit score within just a couple months.

Check with all three major credit reporting bureaus, as they operate independently and errors may not show up consistently across them all.

2  Get a Secured Credit Card
This is one of the easiest ways to start to rebuild your credit score after bankruptcy. A secured credit card is simply a line of credit at a bank accessed by an associated credit card and secured by a deposit held at the bank. Secured card credit limits usually start at $300, which means you will be required to deposit $300 in the bank to open the account. You may spend up to the amount you have on deposit, and make monthly, or even bi-weekly if you prefer, payments against your spending. Some fees may be associated with having a secured credit card, but are worth the expense in the benefits the card provides at rebuilding your credit.

Make sure the bank will report your credit and payment history to the credit bureaus or opening the account will not benefit you at rebuilding your credit score

Keep your balance to under 30% of your credit limit ($90 total in charges for a $300 credit limit) to receive the most benefit toward your credit score, and always make your payments before the schedule due date. One late or missed payment can torpedo your efforts at rebuilding your score. This rule-of-thumb applies to unsecured cards as well.

Some people have reported seeing a faster improvement in their credit score but not paying off the entire balance each month. Instead, consider paying all but $40-$50. While you may pay a small interest charge, you may also see a greater rise in your score than if you simply paid off the full balance each month.

3  Then, Get an Unsecured Credit Card

After a year of solid on-time payments with your secured credit card, apply for an unsecured credit card. Quite a few banks and credit card companies offer cards for people with less than stellar credit. Again, you may only get approved for around $300 in credit, but it’s an improvement over the circumstances required for a secured card, and will further improve your credit score. If you keep your balance down, and continue to make regular on-time payments, you may even be offered an increase in your credit limit within a number of months.

You may also consider applying for a gas card or retail card, as these creditors often cater to people who have blemished credit.

Set up reminders on your calendar as to when to make your payments to avoid being late.

Schedule auto-payments in your online banking interface to make sure your payments will always be sent.

Don’t apply for new credit from a creditor who had a balance discharged in your bankruptcy.

Beware

1  Credit Repair Services
Following your bankruptcy discharge, you may be solicited by credit repair services offering to help you rebuild your credit – for a fee. Thoroughly investigate any service, though, before moving forward with them, as they can be very costly, and may not provide the same results that you could achieve on your own.

2  Closing Unused Accounts
If following your discharge, you still have any unused credit accounts with zero balances, do not close these accounts (out of fear of using credit again!). Closing unused accounts reduces the amount of credit that you have available, which leads to further lowering your credit score, not improving it.

3  Too Many Application Inquiries for Credit
Don’t go crazy applying for new credit, simply in an effort to rebuild your score and financial life. Every inquiry made to a credit bureau by a potential creditor will ding your credit score slightly. And, until your rebuild your credit sufficiently, many creditors may decline to offer you a new account. Best to secure just one card, and rebuild a solid payment history with that single account.

Check your credit report regularly to follow your score improvement. If you take the right steps – and make all minimum or more payments on time regularly — you can rebuild your credit score after bankruptcy steadily and significantly within a few short years.

Shannon was an entirely different experience

"After working 55 years, the concept of bankruptcy was repugnant. Shannon was an entirely different experience, she operated on a higher level than the others. Her questions were direct and to the point, as were her answers to mine. The bankruptcy was discharged exactly the way Shannon predicted. Shannon can get you through it while maintaining your dignity and self-respect." - Former client

Made the entire bankruptcy process incredibly smooth

"Shannon is highly experienced and made the entire bankruptcy process incredibly smooth, knowing exactly what documentation we needed to provide while anticipating (and helping us to avoid) any pitfalls. She has continued to support us with advice as we relocated due to my husband's job transfer. You will not regret working with Shannon!" - Current client

There for me every step of the way

"Shannon was such a blessing during such a dark time in my life. She explained the whole process and was there for me every step of the way. I am sure I wouldn't have had such a great experience had I worked with anyone else." - Former client

Call Us to Schedule a FREE Bankruptcy Lawyer Phone Consultation:

(434) 337-3371

Or, during non-business hours, request an appointment via email and we'll contact you:

Chapter 7 and Chapter 13 Charlottesville Bankruptcy Attorney Shannon T. Morgan

Shannon represents individuals in consumer bankruptcy and bankruptcy-related matters throughout the Commonwealth of Virginia and undertakes a limited number of cases on behalf of creditors in consumer bankruptcy cases. 

Prior to her relocation in 2012 to Virginia and subsequent admission to practice in Virginia in 2013, Shannon practiced law in both Alaska and Colorado. While enjoying a wide variety of legal experience over the years, from civil litigation to criminal defense, domestic relations, personal injury, and administrative law, bankruptcy is the common thread to her practice over the years and has become the passion of her legal career. She has successfully helped hundreds of clients navigate the bankruptcy process. 

Shannon, her husband, Scott, and their three children relocated to Virginia upon Scott’s retirement from the United States Air Force. They are happy to call Virginia home.

My goal is to provide quality legal services at reasonable prices.

Every case is important to me and each client is treated accordingly. As a sole practitioner, I am able to offer personalized service that is rarely available at the larger firms. I personally deal with each case. I strive to keep my clients well informed about their case so they have all the information necessary to make important decisions. I also take the time to educate my clients about the legal issues involved and the potential consequences of their decisions.

I am an Atlanta native with 30 years experience primarily in bankruptcy law. Having served the Atlanta County Justice Courts as a Judge Pro Tem from 2001 through 2008, I am a current member of the Atlanta Bar in good standing and admitted to practice law in all state and federal courts.

Charlottesville Low Cost Bankruptcy Center ~ Serving the Greater Central Virginia Area

Royer Caramanis PLC
200-C Garrett St.
Charlottesville, VA 22902

Free parking available

FREE Phone Consult: (434) 337-3371

Tips to Rebuild Your Credit Score After Bankruptcy.

Published by Low Cost Bankruptcy Centers of America

Yes, it is possible to rebuild your credit score after bankruptcy. While filing bankruptcy may impact your credit for up to 10 years, it doesn’t mean that you won’t be able to receive new credit, rebuild your credit score or recover your financial health during that time.

In fact, you may be able to return your credit score – and creditworthiness – to nearly the same level as a typical consumer in just a few short years.

You must be pro-active though. Rebuilding your credit score will not happen automatically over time.

Tips to Help Rebuild Your Credit Score After Bankruptcy

1  Review Your Credit Report Following Discharge, Dispute Incorrect Items
Incorrect items may include pre-bankruptcy debt that was discharged, and the amount of debt you may still owe that was not dismissed. Getting these items corrected can quickly improve your credit score within just a couple months.

Check with all three major credit reporting bureaus, as they operate independently and errors may not show up consistently across them all.

2  Get a Secured Credit Card
This is one of the easiest ways to start to rebuild your credit score after bankruptcy. A secured credit card is simply a line of credit at a bank accessed by an associated credit card and secured by a deposit held at the bank. Secured card credit limits usually start at $300, which means you will be required to deposit $300 in the bank to open the account. You may spend up to the amount you have on deposit, and make monthly, or even bi-weekly if you prefer, payments against your spending. Some fees may be associated with having a secured credit card, but are worth the expense in the benefits the card provides at rebuilding your credit.

Make sure the bank will report your credit and payment history to the credit bureaus or opening the account will not benefit you at rebuilding your credit score

Keep your balance to under 30% of your credit limit ($90 total in charges for a $300 credit limit) to receive the most benefit toward your credit score, and always make your payments before the schedule due date. One late or missed payment can torpedo your efforts at rebuilding your score. This rule-of-thumb applies to unsecured cards as well.

Some people have reported seeing a faster improvement in their credit score but not paying off the entire balance each month. Instead, consider paying all but $40-$50. While you may pay a small interest charge, you may also see a greater rise in your score than if you simply paid off the full balance each month.

3  Then, Get an Unsecured Credit Card

After a year of solid on-time payments with your secured credit card, apply for an unsecured credit card. Quite a few banks and credit card companies offer cards for people with less than stellar credit. Again, you may only get approved for around $300 in credit, but it’s an improvement over the circumstances required for a secured card, and will further improve your credit score. If you keep your balance down, and continue to make regular on-time payments, you may even be offered an increase in your credit limit within a number of months.

You may also consider applying for a gas card or retail card, as these creditors often cater to people who have blemished credit.

Set up reminders on your calendar as to when to make your payments to avoid being late.

Schedule auto-payments in your online banking interface to make sure your payments will always be sent.

Don’t apply for new credit from a creditor who had a balance discharged in your bankruptcy.

Beware

1  Credit Repair Services
Following your bankruptcy discharge, you may be solicited by credit repair services offering to help you rebuild your credit – for a fee. Thoroughly investigate any service, though, before moving forward with them, as they can be very costly, and may not provide the same results that you could achieve on your own.

2  Closing Unused Accounts
If following your discharge, you still have any unused credit accounts with zero balances, do not close these accounts (out of fear of using credit again!). Closing unused accounts reduces the amount of credit that you have available, which leads to further lowering your credit score, not improving it.

3  Too Many Application Inquiries for Credit
Don’t go crazy applying for new credit, simply in an effort to rebuild your score and financial life. Every inquiry made to a credit bureau by a potential creditor will ding your credit score slightly. And, until your rebuild your credit sufficiently, many creditors may decline to offer you a new account. Best to secure just one card, and rebuild a solid payment history with that single account.

Check your credit report regularly to follow your score improvement. If you take the right steps – and make all minimum or more payments on time regularly — you can rebuild your credit score after bankruptcy steadily and significantly within a few short years.

Find the Low Cost Bankruptcy Centers of America bankruptcy attorney near you:

What people are saying about Low Cost Bankruptcy Centers of America bankruptcy attorneys:

*Each Center is independently owned and operated and sets their own rates and payment terms. 

Could have charged more

"Mr. Ponath was very helpful. Our case was especially complicated and involved multiple issues from different states. He took the time to evaluate every detail and research the best possible paths for us to take depending on what may happen next. He thoroughly and accurately answered all of our questions, and he could certainly have charged more for the quality of his services.” - Michael 

Very responsive

"John Goetz was awesome! He was up front with his fees and he was always there to help. Not only did he know what he was doing, but he appeared to be quite respected by the trustee I had. He’s also very responsive to questions by email, which really really helps with the stresses of a bankruptcy. My case, in fact, could not have gone better. “ - Lauren, Ruckersville 

Immediately put at ease 

"From the minute I met Mr. Ponnock, I was immediately put to ease. He explained every step we would go through, and was always available if I had any questions. I highly recommend Andrew Ponnock. He is not only a great lawyer, but when you walk away you feel like you have a new friend.” - Ft. Lauderdale 

Low Cost Bankruptcy Centers of America bankruptcy attorneys make filing as easy as 1-2-3

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Tips to Rebuild Your Credit Score After Bankruptcy

Yes, it is possible to rebuild your credit score after bankruptcy. While filing bankruptcy may impact your credit for up to 10 years, it doesn’t mean that you won’t be able to receive new credit, rebuild your credit score or recover your financial health during that time.   READ

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