What is Bankruptcy?
There are different types of Bankruptcy, but we help people with Chapter 7 which allows people to discharge their debt without repaying creditors.
How much does it cost?
It depends. We charge flat rates and offer affordable plans.
How long does it take?
It depends on how quickly you need to file. But from the time of filing to the time of discharge takes about 6 months.
Do I Qualify?
Let's find out. We will evaluate all your options to figure out what is your best path forward. Use code: Chapter7 at checkout to get your free consultation.
How long does bankruptcy hurt my credit?
If you need to file bankruptcy, your credit may already not be so great- so after your Bankruptcy is discharged your credit will likely improve. Most people are back above a 680 FICO within 60 days of their discharge.
The Bankruptcy is a public record and will report for 10 years, and the accounts you discharged will report for 7 years.
But typically, you can qualify for most types of financing immediately after a bankruptcy (e.g. credit cards and car loans). Also, most mortgage lending guidelines allow you to qualify for mortgage financing 2 years after a bankruptcy.
Are there alternatives to Bankruptcy?
Yes! Debt Settlement or Debt Consolidation are just a few. We can help you decide whether bankruptcy is right for you.