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<p>November 20, 2016</p>
<p>By Stuart R. Simone, Esq.</p>
<p><strong>Most people considering filing for bankruptcy are of course concerned about how bankruptcy would affect their credit score, and how quickly they can rebuild their credit after filing.</strong></p>
<p>Bankruptcy has got a bad rap over the years, but for those who have filed, it’s <em>all good.</em> Just ask Donald Trump, who has been in bankruptcy court four times and went to become a Billionaire and President of the
most powerful country in the world. Our founding fathers who drafted the Constitution of the United States made sure that American Citizens had the right to a “financial do-over.” That financial safety net gave
many entrepreneurs the confidence to take more risks with their businesses, and it’s safe to say that America would not be the #1 economic and financial power on the planet without our right to file bankruptcy. So
despite what you’ve heard from “the naysayers,” it’s nothing to be ashamed or afraid of. Just learn more about Bankruptcy, and decide for yourself if it is a financial tool that you want to use. Here are some
surprising facts:</p>
<ul>
<li><span style="text-decoration: underline;">Filing for bankruptcy may <em>help</em> your credit score</span>! Researchers at the Federal Reserve Bank of Philadelphia found scores typically fell in the 18 months before
people filed for bankruptcy and <em>rose </em>steadily after filing. The average credit score before filing was 538.2 and by the time the bankruptcy was discharged – it takes only a few months in a Chapter 7 – the
average rose to 620.3.</li>
<li>You can continue rebuilding your credit core with a <u>“Credit-Builder Loan” from your local credit union</u>. These loans put the money you borrow – usually in the $500 to $1,000 range – into a certificate of
deposit or savings account that you can claim once you’ve made 12 monthly payments. Your payments are reported to the credit bureaus, so you can build a decent credit history and save money at the same time.</li>
<li>Another alternative is using <a href="http://www.cdfifund.gov" target="_blank">cdfifund.gov</a> to find a local community development institution that offers Credit-Builder Loans.</li>
<li><u><a href="http://www.selflender.com" target="_blank">SelfLender</a></u> is a private service that also offers these types of loans. This is a private company and we offer no endorsements, but we really like their
website, which offers a lot of useful financial information, such as <a href="https://www.selflender.com/how-credit-works/what-is-credit" target="_blank">Resources > How Credit Works</a>.</li>
<li>You can accelerate you credit score’s rehabilitation with a <u>secured credit card</u>. You make a deposit, typically $200 to $2,000, with the issuing bank and get a credit line equal to that deposit. You
should use the card regularly, but make sure you pay the balance in full every month, and don’t charge more than about 30% of its credit limit.</li>
<li>If and when your score reacahes the mid-600s, you can apply for a <u>regular credit card</u>. Get as high a limit as possible – after a few months you can call in and have your limit raised – as the higher limit
means your balance % will be lower – again, 30% or lower is preferred – and this will help your credit score.</li>
</ul>
<p>In short, don’t believe all the “naysayers” when it comes to bankruptcy. The more you learn about bankruptcy, the better. Bankruptcy is not for everybody… but it might be for YOU. For more information, check
<a href="http://www.GomezSimoneBK.com">www.GomezSimoneBK.com</a> or better yet, <strong>call 888-219-3333</strong> for a 30-minute free consultation with a Bankruptcy Attorney.</p>
<p>We’re here to help. Learn what you need to know following an arrest.</p>
<p>Work with an attorney who understands your situation inside and out.</p>
<p>Let us review your case,Contact us today to discuss your situation.</p>
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Originaltext Diese Übersetzung bewerten Mit deinem Feedback können wir Google Übersetzer weiter verbessern En Espanol 855-219-3333 * Home * About Us * Blog * Chapter 7 * Chapter 13 * Chapter 11 * FAQs * BK Dictionary * Testimonials * Contact Us AREAS OF PRACTICE * Practice Areas * Chapter 7 Bankruptcy * Chapter 11 Bankruptcy * Chapter 13 Bankruptcy * Foreclosure Defense Litigation * Other Practice Areas CONTACT US NOW! Send us a quick email with any questions or concerns you may have about your potential case. Your Name (required) Your Email (required) Your Message Enter the following: November 20, 2016 By Stuart R. Simone, Esq. Most people considering filing for bankruptcy are of course concerned about how bankruptcy would affect their credit score, and how quickly they can rebuild their credit after filing. Bankruptcy has got a bad rap over the years, but for those who have filed, it’s all good. Just ask Donald Trump, who has been in bankruptcy court four times and went to become a Billionaire and President of the most powerful country in the world. Our founding fathers who drafted the Constitution of the United States made sure that American Citizens had the right to a “financial do-over.” That financial safety net gave many entrepreneurs the confidence to take more risks with their businesses, and it’s safe to say that America would not be the #1 economic and financial power on the planet without our right to file bankruptcy. So despite what you’ve heard from “the naysayers,” it’s nothing to be ashamed or afraid of. Just learn more about Bankruptcy, and decide for yourself if it is a financial tool that you want to use. Here are some surprising facts: * Filing for bankruptcy may help your credit score! Researchers at the Federal Reserve Bank of Philadelphia found scores typically fell in the 18 months before people filed for bankruptcy and rose steadily after filing. The average credit score before filing was 538.2 and by the time the bankruptcy was discharged – it takes only a few months in a Chapter 7 – the average rose to 620.3. * You can continue rebuilding your credit core with a “Credit-Builder Loan” from your local credit union. These loans put the money you borrow – usually in the $500 to $1,000 range – into a certificate of deposit or savings account that you can claim once you’ve made 12 monthly payments. Your payments are reported to the credit bureaus, so you can build a decent credit history and save money at the same time. * Another alternative is using cdfifund.gov to find a local community development institution that offers Credit-Builder Loans. * SelfLender is a private service that also offers these types of loans. This is a private company and we offer no endorsements, but we really like their website, which offers a lot of useful financial information, such as Resources > How Credit Works. * You can accelerate you credit score’s rehabilitation with a secured credit card. You make a deposit, typically $200 to $2,000, with the issuing bank and get a credit line equal to that deposit. You should use the card regularly, but make sure you pay the balance in full every month, and don’t charge more than about 30% of its credit limit. * If and when your score reacahes the mid-600s, you can apply for a regular credit card. Get as high a limit as possible – after a few months you can call in and have your limit raised – as the higher limit means your balance % will be lower – again, 30% or lower is preferred – and this will help your credit score. In short, don’t believe all the “naysayers” when it comes to bankruptcy. The more you learn about bankruptcy, the better. Bankruptcy is not for everybody… but it might be for YOU. For more information, check www.GomezSimoneBK.com or better yet, call 888-219-3333 for a 30-minute free consultation with a Bankruptcy Attorney. We’re here to help. Learn what you need to know following an arrest. Work with an attorney who understands your situation inside and out. Let us review your case,Contact us today to discuss your situation. VISIT OUR LAW BLOG Visit Our BANKRUPTCY Law Blog For Free Information Regarding Filings And How To Guides To Help You. Click Here EXPERIENCE MATTERS Work with an attorney who understands your situation inside and out. Click Here FREE CASE EVALUATION Let us review your case,Contact us today to discuss your situation. Click Here * Home * FAQs * Blog * Bankruptcy Dictionary * About Us * Testimonials * Case Evaluation * Practice Areas * Foreclosure Law * Civil Law * Personal Injury Law * Debt Settlement * Contact Us The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information, and the submission of any e-mails, do not create an attorney-client relationship. Gomez & Simone is a member of the Stay-Or-Go Network with offices in Downtown Los Angeles, San Fernando Valley and Orange County. Phone: (855) 219-3333 Email: info @ GomezSimoneBK.com © 2014 All Rights Reserved. SITEMAP * * Powered by Google Übersetzer