Rebuild Credit After Bankruptcy
You filed a bankruptcy and now your credit needs repaired.
But your attorney did not explain to you that he was not going to help you do it.
I know that most bankruptcy attorneys don’t know anything about credit repair.
How do I know?
I am a board certified bankruptcy attorney and I’ve run a bankruptcy law practice for 24 years.
They don’t think it’s part of their job, and technically, it isn’t.
But, what do you think? What do you need and want?
Financial recovery! A fresh start! That’s the promise of bankruptcy.
When you file bankruptcy you take an incredibly important, but difficult, step in turning your financial affairs around and moving towards a normal life again.
A normal life include restored credit.
Filing bankruptcy by itself does nothing to restore your credit.
Did your bankruptcy attorney tell you any of this? No?
If not, I am not surprised. Most don’t!
They file your bankruptcy and they are done.
They leave you to figure out what to do next.
Since I started filing bankruptcy cases in the mid-1980s, I’ve helped thousands of families back to normal lives. I’ve help them restore good credit. They been able to put the bankruptcy behind them, and start living a normal life again, including normal credit.
I’ve done this for nearly a quarter of a century and can tell you that today it’s different. It has never been more important than ever to clean up your credit report after filing bankruptcy.
And now, with the new credit laws going into effect, its EVEN MORE IMPORTANT!
Do you assume and accept that your bankruptcy would punish you with poor credit and force you to endure high interest rates for a long time, maybe even the rest of your life?
Do you assume that you would only be able to buy a car from a “buy here, pay here” car lot?
Do you believe that your bankruptcy forces you to put up with high interest rate credit cards?
Worse, do you think you must live the rest of your life on a “cash only” or “pay-as-you-go” lifestyle?
None of this is true!
Most credit repair “services” charge an outrageous price to do what you could do yourself – if you just had someone show you how. And it’s not hard to do.
And you don’t have to read dozens of self help credit repair books and spend months arguing with credit bureaus and creditors to get your credit report cleaned up, either.
You can read any number of credit repair books, but none are going to tell you how to do the job in a way that is easy, fast, and effective. Not that they’re all wrong, they’re just filled with 95% of irrelevant and not very interesting information, and they propose that you spend months of time doing things that are, in my experience, not even necessary, or worse yet, totally wrong.
Most of these books are mainly composed of “fluff and filler” materials – reprints of FCRA, FDCPA, etc. — all of which is available for free, online, and most of which is totally useless — a waste of time!
If you’re like most people I represented, you’re not interested in theory and don’t want to have to go through a self-study course in credit repair law. You just want results. As fast as you can get the job done in minimum time, and as little effort as it takes to get it to happen. More than that is a waste of time and effort.
Again, you only want to have to do what’s necessary,
with a minimum of effort,
in minimum time
to rebuild your credit.
A step-by-step guide with the basic forms you need to rebuild your credit.
I have your answer.
I have done this for many years for people that I’ve represented in bankruptcy cases.
I do it as part of my service because I know it needs to be done. In fact, it needs to be done now more than ever in the last 24 years I’ve been practicing law. There lots of reasons for this but you don’t really need to know the “why” and the “what for” behind all of it.
You just need to know what to do and be able to do it in the minimum amount of time with the minimum amount of effort.
I’ve always been amazed when I hear my fellow bankruptcy attorneys tell me that they don’t do anything to help their clients with credit repair after the bankruptcy is over.
“Why would we do this?” They asked me. “We don’t get paid for it. It’s not part of the bankruptcy process. That is credit repair. We don’t do credit repair. We are bankruptcy lawyers. We do bankruptcy.”
This is crazy.
Let me tell you something.
Nobody I’ve represented ever came to me and said, “I just want you to take care of getting a bankruptcy discharge for me, Mr. West. I don’t care about my credit report or fixing my credit after bankruptcy. Just get me the discharge, that’s all I want.”
Nobody.
I know this is going on all across the country. Maybe it happened to you.
I am a member of several national organizations and regularly travel across the country attending seminars on bankruptcy law. There is usually only one lecture on credit repair, which is mostly ignored by the rest of the bankruptcy lawyers.
I talk to attorneys all across the country and most of them seem to pay no attention to repairing credit for their clients. They are only interested in filing bankruptcies and getting a discharge and closing the file and moving on to the next case.
Bankruptcy practice is extremely limited, geographically. It is only practical for an attorney to represent people within driving distance of the court where they must file their cases. So, what we end up with, in the world of bankruptcy, is a bunch of small offices scattered across the country.
And, bankruptcy is the kind of law practice that is limited economically.
Clients simply don’t have any extra money. That’s why they’re filing bankruptcy!
Therefore, bankruptcy attorneys are inclined to cut down the services they offer to the bare minimum so that they can file cases at the lowest possible price. This is simple economic reality. Many bankruptcy attorney offices are understaffed, their profit margin is small, and many depend on volume.
Most of these attorneys don’t specialize in bankruptcy or spend the extra time to get the education that would be necessary to help clients rebuild their credit after bankruptcy.
It all comes down to this — most attorneys don’t bother with helping you restore your credit after bankruptcy because there’s no money in it for them.
But what happens?
Six months later - one year later – two years later – you’re denied credit or if credit is granted it’s at a high rate.
You might not be told why your credit is being denied and you might just chalk it up to the fact that you filed bankruptcy and it destroyed your credit.
“Oh well, you may think. That’s just the price I have to pay for filing bankruptcy.”
But is it? Where’s the fresh start? Isn’t this the promise of bankruptcy?
Perhaps you were told that the reason for the denial of your credit application is because debt is showing up on your credit report that was discharged in your bankruptcy.
At this point you might call your bankruptcy lawyer to try to get some assistance.
If you do get a call back from the attorney, the answer might be, “It’s not my problem, we file bankruptcy and that’s all we do.”
Or you might be told “ Well, we can’t do anything about it. It is a credit report issue.”
Or, you might be told “Oh, well, you can take care of that yourself. Just tell them you got a discharge in your bankruptcy and send them a copy of your discharge.”
What do all of these answers have in common?
Not helpful.
You’re stranded. Stuck.
Where’s the fresh start?
I can help.
For many years I’ve helped my bankruptcy clients long after their bankruptcy was over.
I help them to rebuild credit after bankruptcy, showing them the common tricks the creditors pull on them.
I show them what to do to rebuild their credit after bankruptcy.
I give them the forms they need to clean up their credit report. And these forms are simple to fill out. I provide step by step instructions for the whole process.
I contact creditors to protect my clients, and this is true even if my clients forgot to include a creditor in their bankruptcy.
In fact, there is one single letter that I send that has, in some cases, been worth many times the fee my clients pay me for the bankruptcy case!
Now, for limited time, you can get copy of the same kit that I’ve sold on my website for 24.95 for jsut 7.95.
