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Chapter 7 BankruptcyChapter 13 Bankruptcy

When Will I Be Able to Get Credit After I File Bankruptcy?

At the Maryland Bankruptcy Center we help people file Chapter 7 bankruptcy every day.  And everyone has the same concerns and questions.  That is, will I be able to get credit after I file bankruptcy?  Will it really take me 10 years to be able to buy a car or a house? The answer.  NO! The fact that you file bankruptcy stays on your credit report for 7 to 10 years, that is true.  But, creditors, such as car dealerships and mortgage companies, are usually willing to offer credit to people within about 2 years, sometimes even sooner.  Just yesterday a client came to the office and told me that she went to buy a car and because her credit score was low and she had a lot of debt, the loan officer at the car dealership told her to file Chapter 7 bankruptcy and come back as soon as the bankruptcy was discharged and she will be able to buy a car.  It doesn’t seem like it makes sense, but it really does.  After all, after you file Chapter 7 bankruptcy, eliminate your bills and get a fresh start, your credit score actually improves.  You are much more likely to pay your bills after a bankruptcy has been filed because your debt level is low and your are not permitted to file bankruptcy again for 8 years. Call us today for a free consultation.  We will answer all of your questions and set you on the right path. Chapter 7 bankruptcy is not right for everyone, but it is for the large majority of people who call us.  If you are reading this article, you have taken all of the right steps.  Now just give us a call and you’ll finally be able to sleep again at night.
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